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What IDShield does and what it costs
IDShield offers several services: scanning the web for use of your credit files and personal information; alerting you to potential nefarious use of your information; and helping you recover.
Prices range from $14.95 a month to $34.95 a month.
All IDShield plans include credit monitoring, including monitoring the use of your Social Security number and dark web surveillance.
Plans also provide financial account monitoring; let you know when a sex offender moves into or out of your neighborhood; check social media sites for pictures, posts and comments that could hurt employment prospects; and offer consultations with an identity theft consultant.
Each level also includes up to $3 million reimbursement for unrecovered costs.
IDShield plans
Individual plans: You can choose between credit monitoring of your data at one major credit bureau — Experian — or all three, which adds Equifax and TransUnion. Plans cost $14.95 or $19.95 per month. (If you are going to buy coverage, three-bureau coverage is the most useful.)
Family plans: These plans extend the same coverage to a partner and unlimited dependent children. The cost is $29.95 or $34.95 per month, depending on whether you choose one- or three-bureau credit monitoring.
What else IDShield gives you for your money
IDShield offers extensive alerts, which is one of its biggest selling points. But know that you can do many of IDShield’s identity theft protection services on your own, for free.
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Is IDShield worth the cost?
IDShield, like other identity theft monitoring services, cannot prevent identity theft. But, this service can alert you to instances where your personal information — such as your Social Security number — has been exposed and help you recover if you suffer damage.
It can also alert you to social media posts that might hurt your chances of getting a job.
IDShield might be worth the cost if you:
- Don’t want to freeze your credit or monitor it yourself.
- Know your personal information has been exposed online.
- Want a service that includes social media accounts.
- Need access to private investigators to help you resolve instances of identity theft.
But before you purchase ID theft protection, check to see if you already have access to free identity theft protection and if so, whether it has the features you need. Also keep in mind that if you are a victim of identity theft, you can get a free, customized path to recovery at IdentityTheft.gov.
If you're considering IDShield, weigh the pros and cons.
IDShield pros
IDShield has a few advantages compared with its competitors, including a lower cost, generous family plans and robust alerts.
- Simplicity: At about $20 per month for three-bureau monitoring, IDShield is competitively priced. There are no tiers — the only difference in plans is how many credit bureaus are monitored.
- Price: Although IDShield's individual plans are competitively priced, family plans are where IDShield shines. They cover two adults and unlimited dependents under 18. Dependents aged 18-26 are eligible for consultation and restoration services.
- Alerts: IDShield offers several kinds of alerts — and they’re all available no matter what tier of service you have. That’s in contrast to LifeLock, which limits alerts depending on the service tier.
IDShield cons
The biggest drawback of IDShield is the same as with its competitors: You're paying for alerts and fixes after the fact, when you may be able to prevent nefarious activity by keeping tabs on account activity yourself — and there is really no substitute for that.
A lesser drawback is that copious alerts could lead to email fatigue and cause you to overlook important information.
Finally, no identity theft protection service comes with an ironclad guarantee that it will always work as intended. Freezing your credit with the three credit bureaus is the best way to deter criminals from opening accounts using your personal information. And freezing your credit is free and easy to do yourself.
To help prevent identity theft, you can:
- Regularly check your credit accounts online, read statements and set account activity alerts to quickly spot suspicious activity.
- Track changes to your credit score and monitor your credit report for free on apps such as NerdWallet.
- Regularly change your passwords and don't repeat them across accounts.
- Think carefully before entering login credentials for your email and social media accounts into a third party’s database.
- Be as careful as possible with where and how you share your personal information.
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