IdentityIQ Review

Overview

Identity theft is a very real threat to most Americans, and over 60 million people have had to deal with having their identity stolen. In 2018 alone, over 14.4 million people were victims of this crime, and any person can find themselves in this situation. But, there are ways to protect yourself, and companies like IdentityIQ offer protection services that work towards keeping you and your identity safe. By covering and monitoring multiple aspects of your life, IdentityIQ keeps you up to date and informed about everything. 

Monitoring your credit history, public records, online activity, and any filed applications using your information, IdentityIQ prevents fraud from occurring and will alert you of any suspicious activity. This well-rounded and comprehensive approach to security is what makes IdentityIQ stand out from similar companies, and their thorough and precise system is extremely effective at catching things early. If you want to keep yourself safe, and prevent hackers or thieves from gaining access to your personal and sensitive information, then IdentityIQ may be the best choice for you.

How Does It Work?

The services offered by IdentityIQ are extremely easy to access, and once you are a member there is very little for you to do except sit back and enjoy having their protection. All memberships begin with registering online, and their website has a very straightforward process where you simply follow along step by step. After inputting your information, you will need to verify your identity, and then select the plan you are most interested in. Plans differ based on the services they include, and you can see a full breakdown of each plan before you choose one.

Once you have registered and selected your plan, all you will need to do is pay your monthly fee in order to access your chosen services. IdenitityIQ takes care of everything else for you, and all of the monitoring and detecting is done on your behalf. The company actively checks your credit history as well as your social security number to detect and prevent any abuse. If they happen to find something suspicious, IdentityIQ will notify you right away, and then take the necessary steps to prevent, block, or fix the issue. 

Another benefit to having IdentityIQ on your side is that they will assist you in the event that your identity is stolen. While many other companies will only guide you to various resources, IdentityIQ has trained and qualified staff who can help you get your identity back. They also offer theft insurance to help protect your finances in cases of theft, and this can ensure you recover any stolen funds or costs associated with identity theft. 

As an additional bonus, if you are interested in protecting yourself further there is the option to add on both anti-virus and VPN protection which can easily be bundled into your current plan. These features go the extra mile by hiding your identity when you surf the internet and safeguarding your computer against hackers. While completely optional, both the virus and VPN protection services are highly beneficial and can help you enjoy total peace of mind every time you sit down at your computer and sign in online. 

Monitoring Features

When it comes to the actual monitoring process, IdentityIQ focuses on four distinct areas in order to give clients more comprehensive coverage. This allows them to identify a breach of personal information quickly and accurately, and allows them to respond to it before much damage is done. 

The main area of focus is on credit score monitoring, as well as their enhanced credit monitoring. Most individuals rarely check their credit score, and if they do, it is likely only once a year at most. But, credit scores and reports are a great way to detect early identity theft, and with IdentityIQ you will receive 12 reports and their accompanying scores every year. If anything shows up that shouldn’t be on there, or if they notice changes not made by you, then they can alert you immediately as well as identify what exactly has been done and figure out how to correct it. The sooner you catch the fraud, the less damage that will be done. This service does not hurt or impact your credit score in any way, and is simply used as a monitoring tool.

Another area that IdentityIQ focuses on is application monitoring. If a thief has stolen your personal information, one of the most likely things they will attempt to do with it is to open accounts in your name. From credit cards to payday loans and more, there are numerous ways thieves like to use this data. Attempting to monitor this type of activity on your own is extremely difficult, but IdentityIQ covers all aspects of application monitoring so that any time your name and information is used, you will be notified.

A third area of monitoring is one that not many people are aware of or fully understand, and that is activity on the dark web. Giving criminals full anonymity, the dark web is where the information from data breaches are often bought and sold. An illegal marketplace, it is the perfect place to catch thieves before the crimes are committed and that is why IdentityIQ always keeps a watchful eye in this area. 

The final area of monitoring is a bit unique, and not something that gets considered when discussing identity theft. While most people understand that there is usually a financial aspect to it all, what they don’t always realize is that thieves can get very creative with how they use your information. Unfortunately, some criminals will use your identity while committing other crimes, leading to a criminal record attached to your name. IdentityIQ works hard at catching this before it leads to legal repercussions for you, and they do this by actively checking arrest records and conviction records. Some other anti-theft companies also monitor conviction records, but identityIQ is one of the only ones that checks arrest records as well, make sure that things are caught extremely early.

Additional Services

Monitoring for data leaks and breaches is clearly a main component of what IdentityIQ does, but their services are not just limited to that. While the goal is to always catch identity theft before the thief can cause damage, sometimes that simply isn’t possible. After a crime has been committed, you may be left wondering what you should do next, and what steps you can take to fix the damage that has been done. Thankfully, IdentityIQ has your back in this area as well, and their in-house services include identity restoration, theft insurance, and family protection plans.

When someone steals your identity, the most common reason is that they are looking to exploit you for financial gain. Thieves can try and drain your bank account of funds, create credit cards in your name and rack up debt, or use other creative means to get money from you. If this happens, IdentityIQ keeps you covered with up to $1 million in identity theft insurance. This insurance will cover the reimbursement of any stolen funds, as well as the costs associated with identity theft. If you need to miss work because of it, your insurance will cover the missed wages, and it will also cover any legal costs as well.

Being able to recoup your finances is great, but you will also need to recover and restore your identity afterwards. Most anti-theft companies provide you with guides and resources on how to go about this, but very few offer you a dedicated staff member who will actually help you do this. If your identity is stolen, IdentityIQ will provide you with a case manager who will work directly with you, and they will create an action plan for you to follow and help you every step of the way.

Finally, IdentityIQ understands that identity theft isn’t limited to any type of person or any specific age. Sadly, children can often be targets of identity theft as well, as their information can be quite vulnerable. Since children don’t tend to monitor their credit information, thefts can go undetected until they reach adulthood, as which point a lot of damage can already be done. To combat this problem, IdentityIQ offers family protection plans which enrolls your children that are under the age of 24 along with you. Now, they are covered the same way you are, and their personal information will be constantly monitored.

Plans & Pricing

IdentityIQ has three plan options for you to choose from, and each one is priced at an extremely affordable point. They mainly differ based on the features that you choose, including the type of monitoring you want, whether or not you want insurance, and more. Below is a breakdown of the four plans, along with their individual monthly prices.

In today’s technological world it is important to keep on top of the ever-changing ways that crimes are being committed, and to understand that digital crimes impact lives just as severely as crimes in the real world. Keeping yourself safe and protected is this biggest step you can take in helping reduce the risk of identity theft occurring for you and your family, and selecting a professional and through service is vital.

With identityIQ’s multi-pronged approach to monitoring, the biggest areas where fraud occurs are constantly checked so that you can be alerted immediately if anything changes. From unauthorized credit card usage to payday loan applications, and even dark web activity, IdentityIQ ensures that your personal information doesn’t land in the wrong hands. Not only are they actively monitoring, but if something were to occur and you did become the victim of identity theft, IdentityIQ will work closely with you to make sure there is no financial impact and that your information is restored quickly. 

If you are concerned about the ever-growing problem of identity theft and want to make sure you don’t become the next victim, choosing IdentityIQ is one of the best choices you can make. They will keep you constantly up to date so that you never have to worry and can enjoy the peace of mind that comes with knowing your sensitive data is always protected.

Bottom Line

In today’s technological world it is important to keep on top of the ever-changing ways that crimes are being committed, and to understand that digital crimes impact lives just as severely as crimes in the real world. Keeping yourself safe and protected is this biggest step you can take in helping reduce the risk of identity theft occurring for you and your family, and selecting a professional and through service is vital.

With identityIQ’s multi-pronged approach to monitoring, the biggest areas where fraud occurs are constantly checked so that you can be alerted immediately if anything changes. From unauthorized credit card usage to payday loan applications, and even dark web activity, IdentityIQ ensures that your personal information doesn’t land in the wrong hands. Not only are they actively monitoring, but if something were to occur and you did become the victim of identity theft, IdentityIQ will work closely with you to make sure there is no financial impact and that your information is restored quickly. 

If you are concerned about the ever-growing problem of identity theft and want to make sure you don’t become the next victim, choosing IdentityIQ is one of the best choices you can make. They will keep you constantly up to date so that you never have to worry and can enjoy the peace of mind that comes with knowing your sensitive data is always protected.