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IdentityForce UltraSecure+Credit review

IdentityForce UltraSecure + Credit is a comprehensive solution for identity protection with many resources and tools at your fingertips.

IdentityForce UltraSecure + Credit review
(Image: © IdentityForce )

Our Verdict

IdentityForce UltraSecure + Credit is a top identity theft protection service, pulling out all the stops so that you feel that your personal information is secure.

For

  • Resources and calculators right in your dashboard
  • Bank account monitoring
  • Childwatch: children also protected
  • Fully managed identity restoration

Against

  • Few differences between UltraSecure+Credit and UltraSecure accounts
  • No built-in ability to freeze compromised accounts or credit

Our online activity - whether it’s making a purchase or accessing social media - sometimes puts us at risk of identity theft. 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. Sometimes, this is out of our hands: for example, with big company data breaches, when cyber criminals hack into companies’ systems to pull that key information. But in the day-to-day, you can sign up for one of the best identity theft protection services like IdentityForce’s UltraSecure + Credit subscription, to keep your personal liability to a minimum.

IdentityForce UltraSecure + Credit sets itself apart thanks to its comprehensive approach to identity protection. It provides resources, tools, and services right there in the customer dashboard, making it a handy service for the data conscious user. IdentityForce UltraSecure + Credit isn’t just useful for identity protection, either, but for other aspects of financial health. Read on to find out why.

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 14-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 three 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

What's covered

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.

Alerts

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. 

Credit

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.

IdentityForce UltraSecure + Credit: Details

Plan: IdentityForce UltraSecure + Credit
Credit monitoring? Yes
Bank account monitoring? Yes
Dispute assistance? Yes

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. Unfortunately there’s no way to do this through IdentityForce. This is something you’ll need to contact each of the bureaus individually about. However, if you do 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.

IdentityForce offers a range of alerts to monitor fraudulent activity (Image credit: IdentityForce)

Should you choose IdentityForce UltraSecure + Credit?

IdentityForce UltraSecure + Credit is truly one of the best identity theft protection 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.