IdentityForce UltraSecure + Credit is a superb, all-round package for your financial and data security. We're increasingly living our whole lives online; shopping, socializing, and managing our lives, so it's vital to have a service that protects you from identity theft and fraud online. IdentityForce offers several packages to protect yourself and your family, and it's our top choice among the best identity theft protection services for 2020.
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It’s important to make sure that you’re taking every precaution to insure information like your credit card number and Social Security Number isn’t leaked to the public, but sometimes these breaches are out of your hands. Big companies can experience data leaks and breaches, and determined hackers and identity thieves can got hold of your information in a number of ways. Sometimes it not only pays to be careful, but also to have a service that keeps your online footprint as clean as possible, and is there to help you out if the worst happens. That's the primary function of IdentityForce UltraSecure+Credit.
IdentityForce UltraSecure + Credit review: Platform
- Hectic dashboard that can take time to navigate efficiently
We reviewed a plan called the UltraSecure + Credit which costs $23.95 a month and includes credit monitoring along with a complete identity-monitoring suite. If it’s just identity protection that you’re after, then the UltraSecure plan covers all personal identifying information. This plan has a 30-day free trial, and we didn’t find many differences between the plans. If you want to pay a little less per month, this is a suitable option for identity protection, though it is considered to be less complete.
Users can also pay annually which saves around the equivalent of two monthly payments.
The client’s dashboard is quite hectic, with many tabs and icons highlighted for your attention. We find this to be one of the few drawbacks of opting for IdentityForce UltraSecure + Credit. We found that there was a lot to discover, from simulators to calculators to even learn material. You will need the patience to really sift through the dashboard, but it is worth it, as you will better understand IdentityForce’s role in protecting your identity.
IdentityForce UltraSecure + Credit review: Product
- Credit score reports can be accessed anytime
- SSN, personal information, social media, bank account monitoring, and more
- IdentityForce helps customers resolve issues and restore reputation
Plan: IdentityForce UltraSecure + Credit
Credit monitoring? Yes
Bank account monitoring? Yes
Dispute assistance? Yes
The area where IdentityForce stands out the most is in the identity monitoring tools it provides. With the UltraSecure +Credit plan you get complete monitoring of your personal information such as Social Security numbers, driver’s license, phone number and email addresses. IdentityForce also has advanced tools that check to see if your address has been changed or if someone has gotten a payday loan using your identity. It also checks your social media profiles to ensure that they haven’t been hacked.
If your identity is compromised, IdentityForce works with you to resolve any issues. The agents you work with can help you file police reports and in some cases help you work with private investigators to clear up any fraud on your accounts. If your wallet is lost or stolen, IdentityForce will help you quickly cancel and replace any lost cards.
One of the main benefits of signing up for a service such as IdentityForce is that it will alert you of any suspicious activity on your accounts. If someone uses your information to open a new line of credit, for example, you’ll be notified by email or text or through the app. Then IdentityForce will work with you to resolve the issue.
With the UltraSecure+Credit plan, you receive quarterly updates on your Experian, Equifax and TransUnion reports. By law you’re entitled to one free credit report a year from each of the three bureaus. By getting more frequent updates, you have a clearer idea of your credit and can spot errors or discrepancies before they have any impact.
You also get anytime access to your credit scores. The score offered by IdentityForce uses the Vantiv 3.0 model. This is an educational score created from TransUnion data. An educational score means that the numbers you see through IdentityForce won’t necessarily be the same as those used by lenders when making decisions. Vantiv uses a 300 to 850 scale that is very similar to FICO scores. Since it’s an educational score and is calculated differently from FICO scores, you may see some variations between the two.
Experts recommend paying as much attention to your reports as you do the score. The reports show the underlying data that make up your scores, and if you find errors or discrepancies, getting those removed can have a positive effect on your score and increase your credit utilization.
Both UltraSecure and the +Credit options have family options built in. These offer the same protection features as the regular plans, but also include the Childwatch option as standard. Each one covers you, your partner, and a number of children, giving you peace of mind that your whole family is protected. Expect to pay about $15 per month more for a family plan, which is fantastic value if you're already subscribed to the +Credit plan.
IdentityForce UltraSecure + Credit review: Tools
- Credit score simulator and other tools
- No way to freeze your credit or accounts
- ChildWatch is an add-on
IdentityForce also provides some additional tools for monitoring your credit. The credit score simulator lets you see how getting a new credit card or loan, or paying off an existing line of credit, can affect your score. You can even see how different amounts will affect it. There’s also a score tracker that plots your score over time so you can see how your financial habits can change your score. You’ll also be able to access your information through the IdentityForce mobile app.
One of the best ways to protect your credit from fraud is by putting a freeze on your credit reports, and this is now something you can do through IdentityForce. Excellent. If you find an error on one of your credit reports, IdentityForce lets you easily submit disputes through your dashboard. You just click the Dispute link and send your request directly to whichever bureau’s report the error is on.
If you have children, you can opt into the ChildWatch feature by calling an IdentityForce representative and inquiring about Family Plan options. This monitors the personal identifying information of your children and alerts you if anyone uses that information to open a line of credit or otherwise engage in fraudulent activity. Identity fraud using children’s information is becoming increasingly prevalent, so this is an important feature to consider using.
Should you choose IdentityForce UltraSecure + Credit?
IdentityForce UltraSecure + Credit is truly one of the top identity theft services you can opt for. It’s easy to get lost in the resources and tools available in the customer dashboard, and you’ll learn a little something about privacy and personal finance along the way. Although learning how to efficiently navigate the dashboard and all the tools and resources can take some time, especially if you are not familiar with identity theft protection, signing up for IdentityForce UltraSecure + Credit is worth the investment. In doing so, remember that even the best identity theft protection services can’t fully protect your information and credit, but having the best alert system at your fingertips will help mitigate the negative impact of a data breach.