The 11 Best Identity Theft Protection Companies in 2022

Share this:

Yaniv Masjedi

Organic Growth at Aura

In this article:

    Identity theft and fraud protection for your finances, personal info, and devices.

    See pricing
    Share this:

    Which Identity Theft Protection Service Is Right For You?

    Identity theft protection services are designed to: 

    1. Keep your personal information safe from fraudsters 
    2. Alert you whenever there are signs of fraudulent activity on your accounts 
    3. Help you recover your identity and finances if you do become a victim of identity theft 

    To keep you safe, most identity theft protection companies offer a set of features that sound the same. However, there are subtle differences that make all the difference when choosing which service is best for your needs.

    In this guide, we’ll highlight the differences, features, and pricing plans of 11 of the best identity theft protection companies. 

    To start, we’ll do a deep dive into our solution, Aura — including the  typical features identity theft companies offer. Then, with each remaining company, we focus just on how they differentiate themselves so you can choose the best identity theft protection service for your needs.  

    Want to try it for yourself? Sign up for a free 14-day trial to see how Aura helps keep your personal information private, alerts you of suspicious activity, and helps you recover from identity theft. 

    1. Aura: Comprehensive Protection For You and Your Family

    Aura dashboard

    Aura offers all-in-one identity theft protection for individuals, couples, and families. 

    It only takes a few minutes to get Aura set up, with apps for nearly all of your devices (including Apple and Android products). 

    Aura review on Google Play
    Source: Google Play

    Aura’s features can be broken up into three main categories: 

    1. Proactively protecting your personal information
    2. Detecting and alerting you to suspicious activity in near real-time 
    3. Helping you quickly recover from fraud

    Pro tip: All Aura plans include access to a full suite of identity theft and digital security tools. You only pay for the number of people you want to protect.

    1. Proactively protecting your personal information

    The best way to protect yourself from identity theft is to keep your private information and assets safe from scammers. 

    That’s why most identity theft protection companies offer proactive digital security features like virtual private networks (VPNs), antivirus software, safe browsing software, and a password manager. These tools help prevent cybercriminals from stealing your information. 

    While it’s impossible to stop every crime, the more layers of protection you have, the safer you’ll be. 

    Here are a few of the features Aura offers to proactively protect your personal information: 

    • Secure password manager. This tool creates, stores, and auto-fills randomly generated passwords for you. Aura’s password manager can warn you if your passwords have been compromised in a data breach. And on select sites, Aura will also log in and update the password for you — all it takes is one click. 
    • Virtual private network (VPN). Hackers can easily intercept your data over unsecured Wi-Fi networks (even at your home). A VPN provides you with military-grade encryption so your online activities are hidden from hackers. 
    • Antivirus software. This tool automatically detects and isolates spyware, malware, ransomware, adware, and other online threats so your devices won’t become infected with malicious software. 
    • Safe browsing tools. Fraudsters create fake websites that steal your passwords and sensitive information (like bank account or credit card numbers). Aura’s safe browsing tools warn you if you’re entering potentially dangerous sites that are trying to steal your personal information.  
    Aura phishing protection
    • Anti-track. Scammers use information in your online footprint to target you with phishing attacks and other scams. Anti-tracking tools prevent websites from tracking your online activity, so scammers can’t use that information against you.
    • Email aliases. This tool lets you keep your personal email address safe by generating random email addresses for you to use when signing up for new accounts. All emails sent to your alias will be forwarded to your main email address — but your main inbox and email address will stay safe. 
    • Automatic data broker removal. This service removes your personal information from data broker lists. Data brokers scan public platforms and gather your information to create a profile on you. Then, they sell that information to anyone who wants it — even identity thieves. 

    2. Detecting and alerting you to suspicious activity in near real-time

    The sooner you know that your personal information or finances have been compromised, the better chance you have of mitigating the damage scammers can do. 

    Aura monitors your personally identifiable information (PII) such as your Social Security number (SSN), address, and driver’s license, as well as your bank account and credit file for suspicious activity. If we find any signs of fraud, we’ll alert you in near real-time and help you shut down scammers. 

    Note: Many companies focus more on monitoring and alerts than preventing identity theft and providing quality support. With Aura, you get comprehensive identity and credit protection — including proactive protection, fast alerts, and 24/7 support. 

    Here’s how Aura monitors your personal information and alerts you to fraudulent activity:

    Identity theft monitoring

    Identity theft monitoring uses artificial intelligence (AI) to scan the Dark Web and public records for your Social Security number, name, address, driver’s license number, and other personal information. 

    If any of your information is found where it shouldn’t be, you’ll receive an alert. 

    Here are two examples: 

    1. If your SSN was compromised during a data breach, it could end up for sale on the Dark Web. Aura can alert you when your SSN appears on Dark Web sites and forums and explain what to do to keep it safe.  
    Example of what an Aura Dark Web alert might look like
    Here’s what a Dark Web alert from Aura could look like
    1. If someone uses your identity while committing a crime, your name could appear on court records. A false criminal background could prevent you from being hired or even put your name on the registered sex offender’s list. Aura constantly scans public records — including criminal and court records — and alerts you if your name was used by someone.

    Aura scans billions of data points on the Dark Web as well as public records including court records, sex offender registries, county records (for your home title),for your information. 

    If we find anyone using or trying to sell your personal information, we’ll send you a detailed alert in near real-time that includes why you’re getting the alert, what to do next, and who to contact for more information. 

    Bank account and credit monitoring

    Bank account and credit monitoring ensures you’re the only one using and updating your bank accounts, credit cards, credit reports, etc. 

    For example, if the address on your credit account is unexpectedly changed, you’ll know someone else has access to your account. 

    Aura fraud alerts

    Credit monitoring is one of the areas where identity theft protection companies differ in their services. There are two things to look for in a good credit monitoring service: 

    • Three-bureau credit monitoring. Your credit report can be different at each of the three credit bureaus (Experian, TransUnion, and Equifax). Yet, many companies only monitor one or two of your credit reports or only offer three-bureau credit monitoring in their highest pricing plan. Every Aura plan includes three-bureau credit monitoring for the best coverage (and at no extra cost).
    • Near real-time alerts. Most identity theft protection companies wait for credit bureaus to notify them of changes to your credit report. This means you won’t receive alerts about changes to your credit report in real time.

    Aura monitors your credit report across all three bureaus and detects changes to your credit report at the same time as the credit bureau. This means Aura sends you alerts for changes to your credit report 4x faster than competitors.  

    Aura also sends you alerts in near-real time for any change to your bank accounts including a change of address, name, beneficiary, etc. 

    Finally, you can set transaction thresholds for your bank accounts to get alerts of any transactions over a certain amount.  

    💡 Related: Top 5 Credit Protection Services in 2022 (How To Choose) → 

    Bonus: Experian credit lock and credit score

    A credit lock stops unwanted inquiries into your credit file. For example, financial institutions typically request a copy of your credit history when you (or a criminal posing as you) apply for a loan. 

    Aura lets you lock and unlock your Experian credit file with just a tap, shutting down scammers who are trying to take out loans or open new accounts in your name. 

    Whether your credit is locked or unlocked, you will receive near real-time fraud alerts of any inquiries into your credit file. You also have access to your monthly credit score right from your dashboard.

    💡 Related: How To Remove Hard Inquiries From Your Credit Report → 

    3. Helping you quickly recover from fraud 

    If you do become a victim of identity theft or financial fraud, identity theft protection companies can help you recover in two ways: 

    1. By walking you through the steps for recovering and securing your identity and assets
    2. By offsetting financial losses with identity theft insurance coverage 

    Identity restoration assistance

    Many customers feel that having a real person to help them with the process of recovering from identity theft is one of the best reasons to invest in an identity theft protection service. 

    For example, here’s a review from an Aura customer who needed ongoing assistance to resolve their case: 

    Aura review on Trustpilot
    Source: TrustPilot

    However, many identity theft protection services rely heavily on automated phone messaging systems or outsource their customer support. This is the last thing you need if you think you’re the victim of identity theft. 

    Aura’s U.S.-based fraud remediation team is available 24/7 to answer your questions and help walk you through the steps of dealing with fraud and identity theft. You’ll be assigned an experienced, dedicated case manager for each instance of fraud. 

    Our dedicated customer support team can: 

    • Explain each step of the fraud recovery process, including how to fill out forms and file a report with the federal trade commission. 
    • Set up three-way calls with financial institutions, credit bureaus, and anyone else you need to contact to resolve the fraudulent activity.
    • Walk you through your annual credit report (and help you spot errors or fraudulent activity).
    • Help you initiate a credit freeze.
    • Resolve technical issues with the Aura app.
    • Help you figure out what to do if your wallet has been stolen.
    • Answer any other questions you have about identity theft protection and keeping you and your family safe.
    Aura review on TrustPilot
    A customer review of Aura’s fraud remediation team. Source: TrustPilot

    Identity theft insurance

    Most identity theft service providers offer some form of identity theft insurance to offset financial losses of identity theft. 

    $1 million in identity theft insurance is the standard number quoted by most companies — however, many companies only cover stolen funds and some legal fees. 

    Recovering your identity can take a lot of time and effort, which means you may need to take time off of work and have someone else watch your loved ones. If your identity theft insurance only covers stolen funds and legal fees, you’ll be stuck covering lost wages and additional expenses on your own.

    Aura $1 million identity theft insurance policy

    Additionally, most identity theft protection services only offer $1 million insurance in the highest priced plan — not their basic plans. 

    Aura offers $1 million insurance to cover eligible legal fees, accountant fees, lost wages, travel expenses, care for loved ones, and loss of funds. Every adult receives this insurance regardless of the pricing plan you choose. 

    Aura Pricing: All-in-one plans for individuals, couples, or families

    When considering the price of your identity protection plan, there are several things to look for: 

    • Will you be charged more after the first year? Many companies offer a low entry fee to get you started and then jump the price up significantly after the first year. 
    • Will you have the protection you need? It’s common practice for identity theft protection companies to limit the protection they offer in lower priced plans. 
    • Can you protect your loved ones? Many companies require that everyone on the plan reside in the same household to participate in a family plan. And, many companies limit the protection they offer for minors. 

    Here’s how Aura’s pricing works: 

    1. Choose the number of people you want to protect (individual, couple, or family).
    2. Choose whether you want to be billed monthly or annually.

    That’s it.

    Every member on your plan has access to all features. (Minors have access to SSN and online account monitoring.) Family members can be anyone. If you have a child attending a distant college or you want to include your elderly parents across town, they can all be included in your family plan. 

    All annual plans include a 60-day money-back guarantee. Or, you can sign up for a free 14-day trial

    Note: Each adult’s personal information is kept private from other members and can be managed on a personal dashboard. (Children’s information is handled by the primary account holder and not viewable by other adults on the same plan.) 

    What are customers saying about Aura? 

    Aura review header on Trustpilot
    Source: TrustPilot

    At the time of writing, Aura has a 4.8 out of five stars rating with 106 customer reviews on TrustPilot (a trusted company review site).

    Here’s what our customers are saying: 

    Aura review on TrustPilot
    Source: TrustPilot

    Aura also has 4.6 out of five stars on the Apple store with 1.3k reviews. 

    Here are a couple of reviews from our mobile app customers from the Apple App store:

    Aura review on the App store
    Aura review on the App store

    Note: Aura also offers a mobile app on Google Play →

    2. Identity Guard: Identity theft protection trusted by millions

    Identity Guard header

    Identity Guard offers comprehensive identity theft protection and credit monitoring for millions of Americans. 

    Identity Guard monitors billions of web articles, social media sites, and points on the Dark Web using AI technology to find threats to your identity. If your name, SSN, bank account numbers, etc. are found, you’ll be sent near real-time alerts. 

    Identity Guard completes your protection with access to fraud agents 24/7/365 and $1 million in identity theft insurance for every plan. 

    Identity Guard offers several pricing options for individuals and families. Whether you’re looking for protection for just yourself or for your family, you can choose between Identity Guard’s Value, Total and Ultra plans. Each one builds off of and adds to the previous plan. The family plans include up to five adults and unlimited minors. 

    What are customers saying about Identity Guard? 

    Identity Guard has 4.5 stars out of five over 4,395 reviews on TrustPilot at the time of writing. 

    You can read customer reviews for Identity Guard here

    Our take: Identity Guard is a great option for large families looking for comprehensive protection. However, their premium protection plan is a bit pricier than Aura. 

    3. LifeLock: Recognizable brand name (with a few problems)

    LifeLock homepage

    LifeLock offers three main identity theft packages: Standard, Advantage, and Ultimate Plus. Each one builds on the previous one by adding more features. For example, the Ultimate Plus plan offers $1 million reimbursement for stolen funds and three-bureau credit monitoring, while the Standard plan offers $25,000 for stolen funds and one-bureau credit monitoring.

    If you want to add device and online security features (e.g., VPN or antivirus software) to protect against phishing and online scams, you can add Norton 360 to any of the identity theft package plans.

    They also advertise other identity products, including home title protection for $9.99/mo and a LifeLock identity advisor for additional $3.99/mo (for the first year, then $5.99/mo).

    Unfortunately, LifeLock is known for nearly doubling the price of any plan you choose after the first year. 

    LifeLock renewal pricing after first year
    LifeLock renewal pricing after the first year (Oct. 2022). Source: LifeLock

    It’s also worth noting that LifeLock offers basic customer support around the clock and U.S.-based identity recovery services. Finally, they offer limited protection for minors. (For example, you won’t receive crime report notifications for minors.)

    What are customers saying about LifeLock? 

    LifeLock has 4 out of 5 stars with 1,672 reviews on TrustPilot at the time of writing. 

    You can read customer reviews for LifeLock on TrustPilot here

    Our take: LifeLock is a household name and one of the most commonly used identity theft protection services. However, its sky-high renewal costs and unclear support policies put it further down the list.

    💡 Related: LifeLock vs Experian vs Aura: A Detailed Comparison → 

    4. IdentityForce: A good (yet expensive) option for families

    IdentityForce homepage

    IdentityForce offers two main packages: UltraSecure and UltraSecure+Credit. The UltraSecure plan includes lots of different types of monitoring including PayDay loan monitoring, change of address monitoring, investment accounts monitoring, social media accounts monitoring, and more. But, as the name suggests, you’ll need the second credit plan for any type of credit protection. The UltraSecure+Credit plan includes a credit score simulator and tracker. 

    IdentityForce provides $1 million in identity theft insurance for both plans that covers out-of-pocket expenses and lost wages. 

    They also offer identity theft protection for minors through their ChildWatch program. This includes identity monitoring, social media monitoring, SSN tracker, fraud restoration, and $1 million identity theft insurance.

    They have 24/7 customer support via a toll-free phone number. 

    What are customers saying about IdentityForce? 

    IdentityForce has 4.4 stars out of five on TrustPilot with 823 reviews at the time of writing. 

    You can read customer reviews for IdentityForce on TrustPilot here. 

    Our take: IdentityForce is a popular choice for credit protection. However, their pricing plans are more expensive than most. 

    5. IdentityIQ: Limited identity monitoring options 

    IdentityIQ homepage

    IdentityIQ advertises fewer types of monitoring than other services, however, they do offer Dark Web monitoring and credit and financial account monitoring. 

    Like LifeLock, you’ll have to choose the most expensive plan to get three-bureau credit monitoring. However, they do offer $1 million stolen funds reimbursement for all plans. Antivirus protection and a VPN are an additional cost. 

    IdentityIQ offers very little in terms of family protection. If you choose their Secure Max plan, they include $25,000 in identity theft insurance for your children. Those children must be under the age of 24 and permanently live in the same home as you. 

    What are customers saying about IdentityIQ? 

    IdentityIQ has 2.2 out of five stars with 12 reviews on TrustPilot at the time of writing. 

    You can read customer reviews for IdentityIQ on TrustPilot here. 

    Our take: IdentityIQ offers some very low priced basic protection plans, however, their identity protection is not as robust as most options in this list. 

    💡 Related: Is Discover Identity Theft Protection Worth It? Pros, Cons & Alternatives

    6. IDShield: Flexible plans depending on your needs

    IDShield homepage

    IDShield lets you choose either an individual plan or a family plan. Within each of those options, you can choose between one-bureau and three-bureau credit monitoring. Beyond those choices, both plans include the same features. 

    IDShield’s family plan includes the account owner plus one other adult and dependents under the age of 18 living in the same home. 

    They offer 24/7 emergency assistance and licensed private investigators to help you resolve fraudulent activity. 

    What are customers saying about IDShield? 

    IDShield has 4 out of five stars with 106 reviews on TrustPilot at the time of writing. 

    You can read customer reviews for IDShield on TrustPilot here. 

    Our take: IDShield is known for their identity theft investigation services which makes it a good option for some. However, their family plan is less flexible than most. 

    7. PrivacyGuard: Fewer proactive protection features than others

    PrivacyGuard homepage

    PrivacyGuard lets you choose between credit protection, identity protection, or total protection (which includes credit and identity protection). Their proactive protection is limited compared to other options: They only offer a secure keyboard and a secure browser feature.

    PrivacyGuard’s credit protection includes three-bureau credit monitoring, and their identity protection includes $1 million identity theft insurance. Although they promise to assign a dedicated restoration specialist if you do become a victim of identity theft, they don’t advertise 24/7 customer support or U.S.-based identity restoration services. 

    Finally, the only protection they mention on their pricing plans for minors is SSN monitoring. 

    What are customers saying about PrivacyGuard?

    At the time of writing, PrivacyGuard doesn’t have any customer reviews on TrustPilot.   However, they do have 4.8 out of five stars for their app at the Apple Store. 

    You can read customer reviews for PrivacyGuard on the Apple Store here. 

    Our take: PrivacyGuard is a good option for individuals who want to focus on credit protection. However, their lack of proactive protection features makes them a less ideal option for identity theft protection. 

    8. Experian IdentityWorks: Credit-focused identity protection 

    Experian IdentityWorks homepage

    Experian is one of the three major credit bureaus, and IdentityWorks is their identity theft protection plan. While they do offer basic identity theft protection features such as Dark Web monitoring, they focus more heavily on credit monitoring. 

    Experian IdentityWorks offers a free plan which includes your Experian credit report (which you can view for free once per year even without becoming a member), your FICO® score, and Experian credit monitoring. For more comprehensive protection, you can choose one of their paid plans. 

    They offer paid plans for individuals and families with up to 10 children. Both plans include three-bureau credit monitoring and $1 million identity theft insurance.

    What are customers saying about IdentityWorks?  

    At the time of writing, Experian IdentityWorks doesn’t have any reviews on TrustPilot and very few written reviews on Apple Store. However, they do have 4.7 out of five stars for their app on Google Play. 

    You can read customer reviews for Experian IdentityWorks here. 

    Our take: Experian IdentityWorks is another good option for credit-focused protection, but many customers find it difficult to reach customer support and navigate the dashboard. 

    💡 Related: LifeLock vs. Experian vs. Aura: Which One Is Right For You? →

    9. ReliaShield: Affordable option for large families

    ReliaShield homepage

    ReliaShield offers a generous family plan that lets you add unlimited children under the age of 18 for the price of two adults. They also offer $1 million insurance for stolen funds and expenses with all plans. 

    Their cheapest plan just offers basic identity theft protection. The two higher priced plans add on various credit and financial protection features, including three-bureau credit monitoring.

    What are customers saying about ReliaShield?

    At the time of writing, ReliaShield has 4.6 stars out of five on Google Play. 

    You can read customer reviews for ReliaShield on Google Play here. 

    Our take: ReliaShield is a good budget option for large families, however, there will be some gaps in your protection. 

    10. ID Watchdog: Financial protection for families

    ID Watchdog homepage

    Equifax is another one of the three major credit bureaus, and ID Watchdog is their identity theft protection solution. 

    ID Watchdog offers three-bureau credit report monitoring, but you’ll only be able to lock and unlock your Equifax and TransUnion credit reports (leaving your Experian credit report exposed). Additionally, you can only lock and unlock one credit report in your child’s name (i.e., their Equifax credit report). 

    They offer a few proactive protection features such as safe browsing and a VPN, but their proactive protection is more limited than other options. They do offer 24/7, in-house customer support and a dedicated case manager for instances of identity fraud. 

    They offer two pricing options with limited features in the first tier. For each option, you can choose between an individual and a family plan.

    What are customers saying about ID Watchdog?

    ID Watchdog has 2.3 out of five stars on Apple Store at the time of writing. 

    You can read customer reviews for ID Watchdog on the Apple Store here. 

    Our take: ID Watchdog comes near the end of our list for a reason — the protection they offer leaves some serious gaps. You won’t be able to monitor your Experian credit file and your proactive protection will be limited. 

    11. Complete ID: Identity theft protection for Costco members

    Complete ID homepage

    Complete ID is identity theft protection for Costco members only. True to the Costco model, the idea is that you’ll receive ID theft protection at a lower, group rate. 

    At the time of writing, Executive members pay $8.99/month, and Business and Gold Star members pay $13.99/month (for the individual plan). They also offer a couples plan and two family plans: one adult and up to five minors or two adults and up to five minors. 

    Complete ID may be worth it if you’re already a Costco member. However, it evens out to the same price as other ID theft protection services if you pay their membership fee just to get identity theft protection. 

    Complete ID offers pretty standard identity theft and credit monitoring protection services. They also offer 24/7 customer support and $1 million in identity theft insurance. 

    What are customers saying about Complete ID?

    Complete ID has 2.4 out of five stars with  reviews on Google Play at the time of writing. 

    You can read customer reviews for Complete ID on Google Play here

    Our take: Complete ID may be a good option for active Costco members who are already getting their money’s worth out of the membership fee. However, for anyone else, the cost likely won’t be worth it. 

    Take action: Aura offers comprehensive identity theft protection for the entire family for greater peace of mind. Sign up for a free trial today

    Related Articles

    Illustration of someone debating whether identity theft protection is worth it
    Identity Theft

    Is Identity Theft Protection Really Worth It?

    Is it identity theft protection worth the money? If you’re on the fence about it, here’s everything you should know before making a decision.

    Read More
    April 26, 2022
    How does identity theft happen - illustration
    Identity Theft

    How Does Identity Theft Happen? (and How To Avoid It)

    How does identity theft happen? Today, criminals have more ways than ever to steal your identity. Learn the most common scams and how to avoid them.

    Read More
    August 24, 2022

    Try Aura—14 Days Free

    Start your free trial today**

    This is some text inside of a div block.

    Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

    1. Financial identity theft and fraud
    2. Medical identity theft
    3. Child identity theft
    4. Elder fraud and estate identity theft
    5. “Friendly” or familial identity theft
    6. Employment identity theft
    7. Criminal identity theft
    8. Tax identity theft
    9. Unemployment and government benefits identity theft
    10. Synthetic identity theft
    11. Identity cloning
    12. Account takeovers (social media, email, etc.)
    13. Social Security number identity theft
    14. Biometric ID theft
    15. Crypto account takeovers