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IdentityForce Review

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PROS / IdentityForce supplies you with information from all three credit bureaus as well as three TransRisk credit scores.

CONS / IdentityForce does not have a mobile app to make the experience convenient on a smartphone.

 VERDICT / This service enables you to print your report and scores quarterly and to track the information through the three bureaus on a daily basis, so you can quickly catch any problems and resolve them.

IdentityForce compiles a thorough report of the information that Experian, Equifax and TransUnion have about you. From this credit report, you can verify that the information is correct and that no one is stealing your identity or committing fraud using your accounts, Social Security number or other personal information. IdentityForce also supplies you with three TransRisk credit scores, one for each bureau. With this credit check, you can print your updated credit report and scores quarterly, which is why this is our Top Ten Reviews Silver Award winner.

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  1. The amount of loss the company can potentially cover in an identity theft situation.
    More is Better
  2. 2 IdentityForce
  3. $1000000
  4. $1000000
  5. Category Average

Credit Score & Reports

This service provides information from all three credit bureaus: Equifax, TransUnion and Experian. The quarterly reports explain the reason for the scoring. They also have a summary of all your credit. The IdentityForce report lists the total number of accounts connected to your name. It identifies which ones are open and which ones you have closed.

It shows how much you owe and what your monthly payments are. You can also see on the report which accounts you have made late payments on and when, which can be significant factors in determining your credit rating. Additionally, the report shows details about derogatory accounts, which are accounts that you have fallen behind on paying or, if they are secured, have been foreclosed or repossessed.

IdentityForce shares three separate scores from the three credit reporting agencies along with your credit report. IdentityForce has used the TransRisk score model to calculate each of these scores.

These scores may differ from one another depending on the information each bureau possesses. Since lenders frequently use their own algorithms to determine how much of a risk you pose to their company, it is probable that your scores will be different from the one they calculate. Still, these credit scores give you a fairly accurate idea of the score your lender will determine.

This credit-monitoring service performs daily checks of all three credit bureau reports. That way, you can stay on top of every change. You can also have the service watch for significant changes and send you an email or text alert.

Unfortunately, IdentityForce does not offer a mobile app; however, you can elect to receive phone alerts when something hits your credit report.

Identity Protection

In addition to helping you keep track of your credit information and credit score, you can use IdentityForce to monitor your bank accounts, credit cards, email address, medical accounts, Social Security number and phone number.

This service also checks such things as court records, efforts to get payday loans using your Social Security number and any unusual activity involving your address. Criminals often will try to change someone's mailing address to get hold of various bills, including credit card statements, to steal your identity and money.

You also get such things as lost wallet protection, which is a service that helps you cancel and replace your credit, debit and bank cards if you lose your wallet or if someone swipes it. The service comes with the Online Protection Suite, which you can download from the IdentityForce dashboard. This application protects you while you check your bank account and shop online with its anti-keylogging and anti-phishing features. Additionally, you can obtain identity theft insurance for up to $1 million dollars through IdentityForce.

Help & Support

If you encounter difficulties or have questions, you can consult the online educational materials, blog or FAQs on the company's website. Beyond that, there is more personalized assistance through phone, email and live chat.


It is important to obtain an annual credit report to verify your finances, protecting yourself from error and fraud. IdentityForce provides you with a credit report that lists what each of the credit reporting agencies has recorded about you. Additionally, it gives you scores for all three bureaus. With this credit report service, you can monitor information as it becomes available on your reports and you can print up-to-date reports and scores quarterly. You can also take advantage of services such as one-on-one dispute assistance and lost wallet protection.

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