IdentityIQ Safe Max: Specs
Frequency of credit score scores: Month-to-month
Credit score-improvement simulator: Sure
Tackle-change monitoring: Sure
Knowledge breach alerts: Sure
Funding account monitoring: No
Medical information monitoring: No
Payday mortgage monitoring: No
Intercourse offender alert: No
Safety software program: None
Title-change alerts: No
Two-factor authentication: None
IdentityIQ Safe Max concentrates on credit score monitoring, with month-to-month stories and scores from the highest three credit-reporting businesses plus a precious credit score simulator.
Its identity-theft-protection contains the fundamentals after which some, however it lacks a number of options now widespread amongst related companies, resembling monitoring of funding accounts, medical information and property-title adjustments, or enhancements like two-factor authentication or safety software program. It additionally sends annoying advertisements to your telephone.
For pure identification safety, you would be higher off with IdentityForce UltraSecure + Credit score, which affords many extra options for much less price. But no different service affords month-to-month credit score stories at IdentityIQ’s worth.
Learn on for the remainder of our IdentityIQ evaluate.
IdentityIQ: Prices and what’s lined
IdentityIQ allows you to strive its service out for per week for $1. It has 4 plans to decide on amongst, beginning with rudimentary identification monitoring and safety and escalating to a full credit score monitor and identification defend.
The corporate does not tack on gross sales tax once you join a plan, however not like most different identity-theft-protection companies, IdentityIQ supply no low cost for those who pay yearly as a substitute of month-by-month.
The entry-level IdentityIQ Safe plan offers no credit score stories,scores or simulator, however is a relative cut price at $7 a month or $84 per 12 months. It displays your TransUnion credit score file in addition to your Social Security number and watches the “darkish net” for any look of your private info.
In case your identification is stolen whereas your IdentityIQ subscription is in impact, the plan offers as much as $1 million in insurance coverage to cowl stolen funds, the prices of hiring legal professionals and specialists to revive your identification and different bills.
Soar to the IdentityIQ Safe Plus plan, which prices $10 a month or $120 per 12 months, and you will get annual credit score stories from all three bureaus (Equifax, Experian and TransUnion).
You additionally get annual VantageScore 3.0 credit score scores based mostly on these credit score recordsdata, plus fixed monitoring of your TransUnion credit score file and notifications if somebody tries to vary your handle. (VantageScore 3.0 scores solely approximate the FICO credit score scores that almost all lenders use to find out creditworthiness.)
At $20 a month ($240 per 12 months), the IdentityIQ Safe Professional subscription offers fixed three-bureau credit score monitoring in addition to credit score stories and VantageScore 3.0 credit score scores from all three bureaus each six months. Safe Professional contains alerts about crimes dedicated in your identify in addition to notifications of adjustments in your credit score scores.
IdentityIQ Safe Max raises the frequency of three-bureau credit score stories and VantageScore 3.0 scores to month-to-month. It has a credit-score tracker in addition to a credit-score simulator for attempting out how completely different fee choices would possibly have an effect on your scores.
The SecureMax plan provides $25,000 of additional theft-insurance protection for relations and may also help pace your restoration by performing in your behalf with a restricted energy of lawyer. IdentityIQ Safe Max prices $30 a month, which provides as much as $360 per 12 months.
That is $10 greater than the annual price of LifeLock’s top-line Final Plus plan and $110 greater than IdentityForce UltraSecure + Credit score, each of which offer credit score stories and scores much less incessantly than IdentityIQ Safe Max. Nevertheless, they provide extra intensive identity-theft safety.
IdentityIQ does not have something like LifeLock’s Norton 360 antivirus software program or IdentityForce’s VPN and browser extensions. However it plans to supply prospects the choice of including a safety suite someday in 2021.
No matter which plan you select, IdentityIQ is family-friendly. Any of its plans can defend as much as three youngsters at no cost till they’re 24 years outdated in the event that they legally reside with their mother and father. Most different identity-theft-protection companies cost further per little one or require separate family-plan subscriptions.
IdentityIQ acquired an A+ grade from the nonprofit Better Business Bureau, though it had a customer-review rating of two stars out of 5. Most complaints involved billing points. The corporate has workers devoted to reply to issues that floor on the BBB discussion board.
The for-profit web site ConsumerAffairs.com gave IdentityIQ a 4.5 out of a attainable 5 factors. Like its rivals IdentityForce, Identification Guard and LifeLock, IdentityIQ is one in all ConsumerAffairs.com’s “licensed companions” that pay the web site for the possibility to resolve complaints.
|IdentityIQ Safe||IdentityIQ Safe Plus||IdentityIQ Safe Professional||IdentityIQ Safe Max|
|Household plan||As much as 3 youngsters lined at no cost||As much as 3 youngsters lined at no cost||As much as 3 youngsters lined at no cost||As much as 3 youngsters lined at no cost|
|Credit score stories supplied||None||Equifax, Experian, TransUnion||Equifax, Experian, TransUnion||Equifax, Experian, TransUnion|
|Credit score bureaus monitored||TransUnion||TransUnion||Equifax, Experian, TransUnion||Equifax, Experian, TransUnion|
|Frequency of credit score stories & scores||None||Yearly||Twice a 12 months||Month-to-month|
|Sort of credit score rating||None||VantageScore 3.0||VantageScore 3.0||VantageScore 3.0|
|Credit score-improvement simulator||No||No||No||Sure|
|Financial institution, card accounts monitored||Sure||Sure||Sure||Sure|
|Black-market (“darkish net”) monitoring||Sure||Sure||Sure||Sure|
|Misplaced pockets help||Sure||Sure||Sure||Sure|
|Max. ID-theft protection||$1 million||$1 million||$1 million||$1 million, plus $25K for relations|
IdentityIQ: How we examined
Within the late summer season of 2020, I signed up with the highest plans of 5 of the largest identity-theft-protection companies, together with IdentityIQ Safe Max. All subscriptions prices have been paid for by me and later reimbursed by Tom’s Information.
I used the companies’ browser interfaces with my Lenovo ThinkPad T470 Home windows laptop computer and Samsung Galaxy Note 20 Android telephone. Over the course of three months, I logged in most days to test my credit score scores, Safe Max’s alerts and notifications, and adjustments to my credit score and identification scores.
I used the credit score simulators and utilities and checked in with every firm’s assist workers at the very least as soon as and recorded how lengthy it took every to reply. On the finish, I canceled all of the service subscriptions.
IdentityIQ: Credit score scores and monitoring
With IdentityIQ SecureMax, I not solely had entry to credit score alerts and monitoring of my financial institution accounts, however month-to-month full credit score stories from all three main credit score bureaus. Few identity-theft-protection companies present this entry to credit-file information.
IdentityIQ not solely scans to your Social Security numbers, addresses and different private identifiers on the open elements of the web however on hidden “darkish net” legal marketplaces as effectively. It retains a watch on court docket information for indicators of a chapter continuing, can let you know if an inactive account is being revived, notifies you if the U.S. Postal Service has obtained an address-change request in your identify and may catch a brand new mortgage taken out in your identify.
However IdentityIQ lacks devoted instruments to find tax-return fraud, a payday mortgage in your identify or makes an attempt to vary the identify on the title of your own home, three more and more widespread modes of identification theft.
The flaqship service watches credit score and debit card exercise for suspicious actions, however it will probably’t monitor your investments or on-line fee companies, resembling PayPal, for probably legal habits. It does have a novel Checking Account Report that alerts you to overdrafts in addition to suspected debit-card abuse and fraud.
In contrast to LifeLock and IdentityForce, IdentityIQ’s interface options no credit-freeze or credit-lock button that can assist you get began with locking down your credit score recordsdata. IdentityIQ’s assist folks can nonetheless assist you to begin a credit score freeze.
IdentityIQ: Insurance coverage and companies
Within the occasion your identification is stolen whilst you’re an IdentityIQ subscriber, the corporate’s U.S.-based assist drive may also help restrict the injury and begin the method of recovering your good identify and credit score. IdentityIQ affords a $1 million insurance coverage coverage underwritten by American Worldwide Group that may assist cowl the prices of getting your identification again.
The coverage contains substitute of misplaced funds and reimbursement for bills entailed in recovering your private identification. It could additionally present as much as $7,500 for misplaced wages.
IdentityIQ: Notifications and alerts
By default, IdentityIQ’s alerts pop up on the browser interface. They aren’t out there by SMS textual content messaging, which could delay motion just a little.
So far as stability of alerts goes, IdentityIQ was blended. Over my three months subscribed to the service, I obtained six alerts. It caught my software for a brand new mortgage but in addition reported an employer change when none had occurred. There was additionally an alert for a dark-web hit that may have been attributable to me signing up for one more identity-theft-protection service.
Opening an IdentityIQ account was simple, however typically the positioning’s responsiveness was sluggish, making the method just a little irritating. All informed, it took about 12 minutes to enroll within the IdentityIQ SecureMax service.
On the web site, I selected to start out a 7-day trial and entered my identify and electronic mail handle, then picked a password and typed in my handle and telephone quantity. The positioning additionally wished to know my Social Safety quantity, date of start and whether or not I had resided on the identical handle for at the very least six months.
I paid for a subscription with a bank card. IdentityIQ doesn’t settle for PayPal, however it will probably hyperlink up with the Prism fee service. The positioning’s identity-verification part required me to reply three questions on my previous that included details about my present mortgage, the place my Social Safety card had been issued and if I had used some other names in my life.
All set, I acquired a Welcome to IdentityIQ display that, sadly, included solicitations from three completely different mortgage corporations. I later acquired push notifications from IdentityIQ on my telephone about walk-in showers, concealed-carry permits for weapons and refinancing affords. These advertisements have been off-putting, to say the least.
IdentityIQ says all the info you enter is protected by encryption each whereas in transit and when it is saved on IdentityIQ’s servers. However slightly than wiping all of your information clear once you cancel the service, IdentityIQ says it retains all of the metadata in place in case you later desire a report from once you have been a subscriber.
IdentityIQ’s buyer assist is blended. The corporate has technicians and identity-restoration specialists on name 24/7 however staffs its customer-support line Monday via Friday from 7 a.m. to 7 p.m. Central time and Saturdays from 8:30 a.m. to five p.m.
There is not any handle to which you’ll straight ship an electronic mail message, and no chat window to speak in real-time with assist personnel. The corporate will handle common considerations however not customer-support questions over electronic mail, so I needed to dial their quantity to ask primary questions concerning the service.
There isn’t any devoted customer-support part on the IdentityIQ web site, simply snippets right here and there of useful objects, resembling methods to test issues with a credit score report. The closest factor to a customer-support part is Data & FAQs, within the Contact Us part, however it lacks any hyperlink to get assist instantly.
IdentityIQ: Interface and utilities
IdentityIQ as soon as had cellular apps for telephones and tablets, however now makes use of the browser interface throughout all gadgets. IdentityIQ doesn’t supply two-factor authentication (2FA), however the web site typically asks for the final 4 digits of your Social Safety quantity for further verification.
On my pocket book pc, the IdentityIQ web site’s primary web page displayed one of the crucial complete statements of my identification and credit score well being I would ever seen. Then again, there was a lot there that I needed to zoom out to 25% to take all of it in.
The IdentityIQ net dashboard prominently reveals your three credit score scores together with their dates and a tracker that appears on the rating adjustments over time. At any time, you may view the main points of the latest month-to-month credit score report from every credit score bureau. You should buy extra credit score stories for $15 every or stories from all three bureaus for an inexpensive $25.
The IdentityIQ net interface places main classes like Credit score, Identification and Rating Monitoring up entrance. Click on or faucet every to get extra particulars. All the weather are in your face with hyperlinks to detailed descriptions.
IdentityIQ affords articles about methods to protect your credit score and keep away from phishing scams, plus recommendation on avoiding synthetic identity theft. Close to the underside of the dashboard is a hyperlink to IdentityIQ’s highly effective IQ Middle, which incorporates assistance on enhancing your credit score scores, a proof of credit score monitoring and classes for youngsters about credit score.
The web site interface on iPhones, iPads and Android telephones and tablets seems prefer it truly is an app, with an easy-to-read format. It shows your newest credit score scores plus Your most up-to-date credit score rating, and alerts about your identification.
The alerts are to the purpose, however you may must scroll via numerous explanatory materials to seek out them. I missed a few alerts due to this.
I needed to name IdentityIQ’s assist line to cancel the service. It took solely 4 minutes, however the assist staffer learn me a mixture warning and low cost supply to attempt to get me to remain. Cancellation took impact instantly and I rapidly obtained an electronic mail affirmation.
IdentityIQ evaluate: Backside line
Whereas it lacks reductions for prepaying for a 12 months at a time, Identification IQ’s least expensive identity-theft-protection companies may be very cheap, and its top-line Safe Max plan affords month-to-month stories from all three credit score businesses.
Then again, even the flagship IdentityIQ Safe Max service lacks the most recent necessities in identity-theft safety, resembling investment-account or payday-loan monitoring. It might even be good to have two issue authentication (2FA) or computer-security software program. And the truth that IdentityIQ sends advertisements to paying purchasers is disconcerting, to say the least.
If you’d like extra protecting plans, look to IdentityForce UltraSecure + Credit for wonderful safety at a cut price charge, or LifeLock Ultimate Plus for complete identification safety with a full safety suite. In the meantime, MyFICO affords the most effective credit score monitoring of any service we have examined for those who can afford it.