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.
Preserving our identity's safety is paramount for various personal achievements, including maintaining a spotless record, a stellar credit history, and a clean criminal background. It serves as a foundation for financial well-being, facilitating employment opportunities, vehicle and home purchases, and even securing bank loans for ventures like starting a new business. However, in recent times, we have witnessed a surge in online activities, particularly during the pandemic. Remote work, video chat platforms, Slack communication, and endless website browsing have become commonplace.
The threat of identity theft looms over individuals in the digital age, capable of causing catastrophic disruption and financial devastation. While many people hope to never fall victim to this crime, the reality is that it can happen to anyone, regardless of their prudence or precautions. Identity theft occurs when someone unlawfully obtains and uses another person's personal information, such as their name, address, social security number, or credit card details, for fraudulent purposes. The consequences of identity theft can be far-reaching and long-lasting.
One of the most immediate impacts of identity theft is the inability to access financial resources. Banks and lenders may suddenly deny loans or credit applications due to the compromised identity. This can make it difficult for individuals to purchase homes, cars, or even secure essential personal loans. Additionally, identity theft victims may find their existing accounts frozen or compromised, preventing them from accessing their own funds and paying bills on time.
Employment opportunities can also be jeopardized by identity theft. During background checks, employers may uncover discrepancies or red flags associated with the victim's stolen identity. This can result in job rejections or termination, leaving individuals without a source of income and struggling to provide for themselves and their families.
The emotional toll of identity theft can be equally devastating. Victims often experience feelings of violation, anger, and helplessness. The process of restoring one's identity and repairing damaged credit can be time-consuming, costly, and emotionally draining. Identity theft can also lead to social isolation as victims may lose trust in others and become wary of engaging in everyday activities that involve sharing personal information.
In a world where identity theft poses a significant threat, proactive measures for safeguarding personal information have become essential. Individuals can take steps such as utilizing robust passwords, implementing two-factor authentication, and exercising caution when sharing sensitive data online. Regularly monitoring credit reports and bank statements enables timely detection of suspicious activities. Furthermore, identity theft protection services offer additional security layers and assistance in the event of identity theft, making them a worthwhile investment for individuals seeking peace of mind and enhanced protection from this growing menace.
If you're concerned about identity theft, IDShield is worth considering. The product emphasizes fraud intervention, using licensed private investigators to work on your behalf. You just grant them Power of Attorney, and they handle the credit agencies to restore your good name. However, we have concerns with this approach, as we believe an identity theft protection app should focus more on preventing fraud rather than dealing with it after the fact. Additionally, unclear explanations on the website can create confusion about what the product actually offers.
Plans and pricing
One of the key selling points of IDShield is its affordability compared to other identity theft protection apps. The basic plan, priced at $14.95 per month for an individual, provides $1 million of insurance protection for financial restoration, lost wage compensation, expert consultations, and credit monitoring through a single credit bureau. The higher-tier plan, priced at $19.95 per month, extends credit monitoring to all three major credit bureaus. While the main difference between the two plans is the scope of credit bureau monitoring, the rest of the features remain the same. This simplifies the decision-making process and makes the lower-tier plan more appealing because it offers substantial protection at a more affordable rate.
For families seeking financial security, the family plan offers two options: one credit bureau coverage for $29.95 or three credit bureaus for $34.95. This plan extends protection to the policyholder, a loved one, and up to ten dependent children.
The fees of IDShield are lower compared to its two main competitors in the market. Norton LifeLock has a tiered pricing structure that can be confusing, with its $30 per month plan offering $1 million insurance protection. IdentityForce, on the other hand, costs $17.99 per month for similar protection. IDShield's website does not mention any discounts for annual plans, but it does provide a 30-day free trial. All IDShield plans include Trend Micro Maximum Security for malware protection, Trend Micro’s VPN Proxy One, and a password manager, making it a comprehensive security solution for a generous up to 15 devices that should cover most user’s needs.
Interface
Before discussing the desktop and mobile apps, it's imperative to highlight the IDShield website. Unlike other apps that can be downloaded and used right away, identity theft protection requires some self-education. Understanding the field of identity theft, including how criminals can harm your reputation, destroy your credit, and even impersonate you to commit crimes, is essential.
Despite its efforts, IDShield encounters some obstacles in conveying critical information. The primary website provides descriptions of the app's features, but the "See more" option that elaborates on additional functionalities is easily overlooked due to its diminutive size.
Furthermore, the consultation feature's description lacks specifics, leaving out crucial details. It merely states that “We monitor your personal and financial information 24/7. When we detect fraud, we work to restore your identity quickly.” However, without some more specifics, it fails to provide any meaningful information about the restoration process or the actual steps taken to return consumer reports and other records to their pre-theft status. This generic description leaves potential customers with some unanswered questions and an unclear understanding of the services provided.
Mobile app
Within the app, just like in other sections, there's a lack of detailed explanations about the features' functionality. In contrast, Norton LifeLock excels in presenting options in a dashboard layout, similar to a wizard. It clearly indicates the remaining steps or the number of accounts that require configuration.
IDShield places too much emphasis on your credit score. Some of the information intended to explain features actually ends up explaining general credit monitoring concepts. This issue persists not only in the desktop app but also in the mobile apps for iPhone iOS and Android.
Features
IDShield lacks substantial features, except for the consultation with licensed investigators. This service primarily addresses issues that arise after identity theft has already occurred. The app monitors credit bureaus and sends alerts for credit-related problems, allowing users to address them promptly before they become severe, such as a low credit score. However, some of these features are repetitiously listed, causing inconvenience.
On the IDShield website and in a feature comparison document, "Unlimited consultation" and "Licensed private investigators" are listed. However, these phrases essentially convey the same idea. Another example is social media monitoring, which is not as impressive as it seems. It primarily tracks illicit images, drug references, and foul language, but it does not monitor for account hacking.
IDShield excels in its vigilance in safeguarding your identity. While Norton LifeLock offers superior tools for identity protection, IDShield surpasses it in monitoring the usage of your personal information, such as your address, phone number, and other identifiable details. IDShield's capabilities extend to tracking public court records and detecting pay-day loan fraud attempts made with your name and identity.
One standout feature of IdentityForce is its capability to alert users when a registered sex offender moves into their neighborhood. However, it's worth noting that the app currently lacks the ability to notify users if a sex offender attempts to steal their identity. This could be a valuable addition to the app, as it would provide users with a more comprehensive identity protection solution.
Support
IDShield understands that customers may have questions or concerns about their services, and they offer multiple support channels to ensure timely and convenient assistance.
For immediate assistance, customers can call IDShield's dedicated phone support line at 1-888-494-8519. Phone support is available from Monday through Friday, from 7 AM to 7 PM Central Standard Time (CST). Customers can speak directly to knowledgeable representatives who are trained to address a wide range of issues, from account inquiries to technical support.
For customers who prefer written communication, IDShield offers email support at Idshield@legalshield.com. Customers can send detailed queries or concerns to this email address anytime, and they can expect a response within 24 hours. This option is particularly suitable for non-urgent matters or complex inquiries that require more comprehensive explanations.
IDShield's website features a live chat option for customers who prefer real-time assistance. The live chat function allows customers to connect directly with a support representative and have their questions answered promptly. This option is available during business hours, and customers can initiate a chat by clicking the "Live Chat" button on IDShield's website.
In addition to these support channels, IDShield also provides a comprehensive knowledge base and frequently asked questions (FAQs) section on their website. Customers can find answers to common questions, troubleshooting tips, and other resources without contacting support directly.
IDShield's commitment to customer satisfaction is evident in their diverse support options. By offering phone, email, and live chat support, IDShield ensures that customers have convenient and accessible channels to resolve their queries and concerns.
The competition
In the realm of identity theft protection apps, IDShield faces off against its primary rival, Norton LifeLock, the industry's dominant force. Norton LifeLock features a thoughtfully-designed dashboard that clearly presents each feature and guides users through the configuration process. This design makes it easy to track progress and monitor settings. IdentityForce, another contender, provides additional value with alerts regarding sex offenders who might attempt identity theft.
While IDShield offers the valuable service of allowing users to enlist experts to resolve credit and identity issues through power of attorney, specific details regarding their services are limited. Notably, repairing compromised credit and identity may be less advantageous than proactive protection. However, having a dedicated team working on fraud cases can be beneficial. In terms of cost, IDShield tends to be more affordable than some competitors, making it a viable option if the primary focus is credit protection.
Final verdict
IDShield might benefit significantly from rebranding with a more suitable name. Given that its primary focus lies in collaborating with investigators to handle fraud cases, a name like "IDRestore" would align more closely with its core function. This strategic shift in nomenclature would provide a clearer and more accurate representation of the services offered by the app.
Moreover, when compared to its competitors, IDShield stands out as a cost-effective option. Its pricing structure makes it an accessible choice for individuals and families seeking protection against identity theft. The low cost associated with IDShield makes it a practical solution for those who prioritize financial security without breaking the bank.
Despite its affordability, IDShield doesn't compromise on the quality of its services. It employs robust security measures and advanced technologies to safeguard users' personal information. The app's user-friendly interface and comprehensive features make it easy for users to monitor their credit reports, detect suspicious activities, and receive real-time alerts.
By combining a competitive price point with effective identity protection services, IDShield offers an attractive value proposition. Its commitment to providing affordable yet reliable solutions makes it a compelling choice for individuals and families looking to safeguard their personal information in an increasingly digital world.
Take a look at our full guide to the best identity theft protection
