Our series on identity theft protection apps will evaluate the features, pricing options, competition, and also the overall value of using each app. However, these are not full hands-on reviews since evaluating identity theft protection apps is almost impossible. It would require several months of testing, purposefully hacking accounts to see if the protection app works, handing over personally identifiable information, performing multiple credit checks, and risking exposure of the reviewer’s personally identifiable information.
When closely examined, ID Watchdog emerges as a rather ordinary identity theft protection app, situated firmly in the middle of the pack. However, a somewhat longer investigation reveals its affiliation with Equifax, a company notorious for one of the most severe data breaches in recent history. In 2017, a staggering 145.5 million customer records, including sensitive information like names and social security numbers, were compromised. This wealth of data became a treasure trove for hackers operating on the Dark Web, the infamous hub of criminal activity. ID Watchdog, ironically developed by Equifax, aims to provide protection against the very dangers that its parent company inadvertently unleashed.
ID Watchdog, a reasonably prevalent identity theft protection service, shares numerous characteristics and pricing structures with Equifax TrustedID. However, a closer examination reveals that ID Watchdog's primary emphasis appears to be on creating leads for credit reports, rather than offering comprehensive fraud protection and theft recovery services.
While ID Watchdog does provide tools for monitoring and tracking identity theft incidents, these features are relatively basic and fall short when compared to the offerings of other top-tier products. For example, Norton LifeLock, a leading provider in this industry, prioritizes fraud protection and theft recovery over credit monitoring, ensuring that customers receive robust protection against identity-related crimes.
One notable drawback of ID Watchdog is its limited focus on credit reporting. While it offers credit monitoring and alerts, these services are often seen as secondary to the more critical aspects of identity theft protection. In contrast, Norton LifeLock provides a comprehensive suite of features designed to safeguard customers' personal information, including dark web monitoring, social media monitoring, and identity theft insurance.
Furthermore, ID Watchdog's customer service has received mixed reviews. Some users have reported experiencing difficulties reaching customer support representatives or resolving issues promptly. This can be a significant concern, as timely and effective customer support is essential in addressing identity theft incidents.
In conclusion, ID Watchdog may be a suitable option for individuals primarily interested in credit reporting services. However, those seeking comprehensive identity theft protection and robust fraud recovery options may find that other products, such as Norton LifeLock, offer a more well-rounded and reliable solution.
Plans and pricing
Equifax ID Watchdog offers a competitive feature set at an affordable price point. While similar products often charge around $30 per month for premium protection packages, ID Watchdog's Platinum plan costs only $21.95 per month for individuals. Additionally, an annual option of $220 is available, making it even more cost-effective.
The Platinum plan provides monitoring for three major credit bureaus, $1 million in protection insurance, and $500,000 in coverage against 401K fraud. Notably, this plan also includes a branded VPN, NordVPN, which is an essential security tool for online protection.
Considering the comprehensive features and affordable cost, Equifax ID Watchdog's Platinum plan stands out as an attractive option for individuals seeking identity theft protection and credit monitoring services.
The Platinum plan is an excellent option for families looking for comprehensive insurance coverage. It can cover up to two adults and up to four children, making it an ideal choice for large households. The plan includes a wide range of benefits, including access to a network of preferred providers, coverage for preventive care and routine check-ups, and coverage for major medical expenses.
The Platinum plan is available for a monthly cost of $34.95 or an annual cost of $350. The annual option provides a significant savings over the monthly option, making it a great value for families.
Beyond its extensive coverage, the Platinum plan provides additional benefits. One notable feature is the Child Credit Lock, accessible through your ID Watchdog account. This lock helps secure your minor child against credit fraud by generating an Equifax credit report and locking it to prevent unauthorized access by potential lenders and creditors. ID Watchdog stands out as the only provider with this advanced online child lock capability.
Looking for an even more affordable option? ID Watchdog offers an Individual Select Plan for identity theft protection at $14.95 per month or $150 annually. This plan includes features like Equifax credit report monitoring, identity monitoring across billions of data points, and fully managed resolution support in case of identity theft.
The ID Watchdog Individual Select Plan offers a comprehensive suite of identity protection features. It includes regular monitoring of your Equifax credit report to identify any suspicious activity, as well as comprehensive monitoring across billions of data points to uncover potential fraud. Additionally, you can lock and unlock your Equifax credit report to prevent unauthorized access.
The plan also provides social account monitoring to keep an eye on your social media accounts for suspicious activity and offers up to $1 million in insurance coverage for identity theft-related expenses. Finally, you'll receive fully managed resolution support to assist you in resolving identity theft issues with step-by-step guidance and support.
ID Watchdog does a better job than some others in this space to offer multiple tiers of plans, both for families, and individuals, and also to have flexible payment options.
Interface
ID Watchdog's interface diverges from the conventional dashboard and wizard-driven designs commonly found in identity theft protection services. Instead, it resembles a virus-scanning tool, presenting a refreshing and unique approach to managing personal data security.
Features
Upon launching the application, the main window greets users with a straightforward layout. At the forefront is the option to initiate scans for Dark Web monitoring, an essential feature that scours the hidden corners of the internet for any traces of your personal information that may have been compromised in data breaches or leaks.
Another valuable feature is the ability to receive alerts about any changes to your physical address. This is crucial, as fraudsters often update their targets' addresses to reroute sensitive mail, such as credit card statements and tax documents. ID Watchdog's monitoring ensures that you are promptly notified of any unauthorized modifications, allowing you to take swift action to protect your identity.
For those concerned about potential sex offender registrations in their vicinity, ID Watchdog offers a scan feature that provides peace of mind. By keeping track of registered sex offenders in your area, you can make informed decisions about your personal safety and the safety of your loved ones.
At the heart of ID Watchdog's services is the comprehensive display of credit checks and credit scores. These are the primary calling cards of the platform, empowering users to monitor their credit health and detect any suspicious activities. The easy-to-understand presentation of credit information allows you to stay vigilant and address any issues promptly.
ID Watchdog's unique interface and focus on essential identity theft protection features set it apart from many of its competitors. It provides a user-friendly and visually appealing tool for safeguarding your personal data and maintaining peace of mind.
When compared to other identity protection apps, there aren't many distinctive features in this app. Although it offers standard features such as monitoring, reporting, credit history checks, credit scores, and address change alerts, it lacks unique elements.
For instance, while the app has an alert system for sex offenders moving into your area and monitors social media, the monitoring primarily focuses on your own behavior. Unfortunately, it doesn't provide alerts for more common scenarios like abusive comments directed at you or account compromise.
Support
ID Watchdog offers comprehensive support to help you with any issues or questions you might have. Their Customer Care Center is available 24/7, 365 days a year at 1-800-970-5182. You can also contact them via email through their official website. Access your account and find answers to frequently asked questions on their online portal. For questions regarding their mobile app, customer service can be reached at 1-800-967-9005.
A shortcoming is that there is no chat, an increasingly popular support option.
The competition
Similar to other identity theft protection tools, ID Watchdog faces competition from the more prominent Norton LifeLock. Additionally, it struggles with its own name, as customers often associate it with its parent company, Equifax. This association is reinforced by the prominent notice about Equifax's ownership on the ID Watchdog website. Consequently, Equifax becomes a significant competitor, influencing customers' perceptions of the protection ID Watchdog offers.
During the registration process, ID Watchdog requires personal information, including social security numbers, bank accounts, physical addresses, emails, and phone numbers. This requirement may give customers pause, considering that Equifax experienced a data breach in 2017, which became widely publicized.
Similar to Experian IdentityWorks' uphill battle in overcoming the 2015 data breach involving 15 million customer records, these apps face significant challenges. Understanding their purpose is crucial. They aim to provide customers with tools to explore their credit history. This is particularly relevant when securing a substantial mortgage, as banks prioritize individuals with clean records.
Additionally, credit history can be crucial during job applications. While we appreciate the existence of these apps in helping us proactively manage our personal information beyond credit scores and finances, their laser-focused concentration on credit reporting and monitoring aspects may not be genuinely helpful, especially for subscribers not actively seeking loans.
Final verdict
Equifax's ID Watchdog offers a budget-friendly approach to identity theft protection. While it may not be the most comprehensive option available, its low monthly cost of approximately $20 for the premium package makes it a compelling choice for those seeking affordable security. Compared to competing services that often charge around $30 per month for similar features, ID Watchdog provides excellent value, particularly for consumers primarily concerned with price.
When selecting a product of this nature, cost is undeniably a significant factor to consider. However, it should not be the sole basis for decision-making. In the case of an app from a company that has had a prior data breach, there may not be an elevated risk of using it. The security vulnerabilities may have been identified and rectified, and the company may be more vigilant in ensuring the security of its users' data. However, it is essential to acknowledge that this remains an unresolved issue.
However, what truly prevents ID Watchdog from being ranked among the top choices is not its history of data breaches, but rather its lack of groundbreaking or novel features. In a crowded market where numerous apps offer identity theft protection, ID Watchdog fails to stand out. It provides standard identity monitoring and alert services, but it does not offer any unique or innovative features that would set it apart from its competitors. This lack of differentiation makes it difficult for ID Watchdog to stand out and attract users who are looking for a truly comprehensive and exceptional identity theft protection solution.
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