IdentityForce

While somewhat expensive, IdentityForce has won many awards and provides a comprehensive range of senior-friendly services in both of its identity theft protection plans.

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8.9
Grand Score
8
User Score
8.9
Grand Score
8
User Score
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IdentityForce offers monitoring, alert, control and recovery services for a senior’s personal information. The company offers two plans, UltraSecure and UltraSecure+Credit, which are available for a monthly fee. Both plans offer an alert system, as well as services that can help a senior monitor bank accounts, Social Security Number use and medical benefits. (Medical benefits fraud is a growing problem of medical ID fraud.) UltraSecure+Credit, IdentityForce’s most popular option, also provides regular credit report monitoring. IdentityForce could be a good option for a senior seeking to control who has accessed their personal information. With 24/7 expert assistance, it is one of the more senior-friendly identity monitoring options on the market.

Grandfolk Scoring
Price 8/10
Contract Obligation 10/10
Risk-free Trial Period 8/10
Cancellation Process 7/10
Fraud Detection 10/10
Internet Monitoring 10/10
Insurance 10/10
Credit Card Monitoring 7/10
Credit Score 7/10
Price
Monthly fee
$18-$24 per month
Contract Obligation
Commitment length
Can be monthly or yearly
Risk-free Trial Period
Trial period for refund
14-day free trial but payment information must be provided
Cancellation Process
Cancelation ease
Requires phone call to customer service
Fraud Detection
Detection availability
Yes
Internet Monitoring
Monitoring availability
Yes
Insurance
Coverage availability
Yes
Credit Card Monitoring
Monitoring availability
Yes, in the UltraSecure and Credit plan
Credit Score
Periodic review
Yes, in the UltraSecure and Credit plan
Age Score:
10
50-64 Years
10
65-74 Years
9
75-84 Years
8
85-Older

IdentityForce is ideal for a senior of any age because it does not require being proactive except to read occasional alerts regarding the potential activity of scammers. This service is ideal for seniors, who are frequently targeted by identity thieves and scam artists. Performing the basic activities offered by the service is not complicated. However, older seniors who no longer access a computer may not be able to take full advantage of the electronic and online monitoring services, although they could have a child do it for them.

Health Score:
10
Poor Health
10
Fair Health
9
Good Health
8
Great Health

A senior’s health condition does not affect the value of the service. The service automatically reviews and checks a variety of sensitive personal information so, in general, no action from the subscriber is required. One exception is if the user chooses to install the electronic online monitoring services on his or her computer. This can be difficult to manage for seniors who have cognitive and/or vision problems that make web use a challenge. However, IdentityForce has experts available 24/7 who go through the paperwork required for identity restoration for the subscriber, which could be a good option for some seniors who cannot fill out the paperwork themselves.

Pros:

  • IdentityForce offers a broad range of identity monitoring services and boasts Certified Protection Experts who are available 24/7 to provide identity restoration services. These experts file paperwork, place calls and do the work required to restore the subscriber’s identity.
  • Both available plans offer a smart Social Security Number (SSN) tracker: it alerts users if another name has been associated with their SSN, which could indicate fraud.
  • Both available plans include medical ID fraud protection, which helps review the user’s medical benefits statements to determine that nobody is fraudulently using their health insurance or Medicare/supplemental benefits.
  • IdentityForce has a convenient smartphone app, available for iPhone and Android that can deliver alerts straight to the subscriber’s phone to alert them of instances of unusual behavior in their accounts, plus other important information.
  • If a wallet is lost or stolen, IdentityForce’s Lost Wallet Assistance helps the subscriber cancel and replace credit, debit and ATM cards.

Cons:

  • IdentityForce is slightly more expensive than other identity theft protection services; however, it does include a broader range of valuable features in its plans than its competitors.
  • Credit monitoring is only included in the more expensive UltraSecure+Credit plan, whereas most other personal information monitoring services offer some basic credit monitoring in all of their plans.
  • Computer knowledge is required to use IdentityForce, e.g., to sign up for the service, use the app and receive notifications about suspected identity theft. Seniors who do not have familiarity with computers, do not use cell phone applications and do not navigate the internet will not be able to take full advantage of IdentityForce services.

Bottom Line:

IdentityForce provides web-based monitoring for fraud and identity theft. IdentityForce is relatively expensive but offers an app that delivers notifications regarding suspected identity theft, as well as a variety of services in both of its plans. These include a Social Security Number tracker, junk mail opt-out and medical ID fraud protection. IdentityForce also offers a 14-day free trial. IdentityForce has been the recipient of numerous awards, including the Gold Award from the Golden Bridge Awards and the People’s Choice Stevie Award, both in 2017. For individuals willing to pay slightly more for a broader range of valuable services, IdentityForce could be a good option.

Frequently Asked Questions:

Does this company have a mobile app? Yes, IdentityForce Mobile is a mobile app available on the Apple App Store for iPhone and on Google Play for Google Android Phones. The app enables users to read identity theft monitoring alerts on their phone, as well as check their credit scores.

What should I do if my personal information has been compromised or stolen? As a member of the IdentityForce service, you can talk to recovery experts who are available 24/7 and can assist you in identity and credit restoration.

Does this company offer a free trial? Yes, IdentityForce offers a 14-day free trial, but payment information must be provided at signup.

More Information:

Product Details

Overview: IdentityForce has two membership plans offering varying levels of support. Both plans monitor fraudulent activity in one’s name and send out timely alerts. They provide tools to protect bank accounts and Social Security Numbers, to opt out of junk mail, plus online computer protection tools, identity theft insurance and mobile app support.

Package Details: 

UltraSecure costs $17.95/month or $179.50/year and has all of the basic features offered by IdentityForce to monitor one’s personal information 24/7.

UltraSecure+Credit includes all of the features of UltraSecure, as well as credit monitoring at the three major credit agencies (with credit reports and credit scores) and, costs $23.95/month or $239.50/year.

Optional Add-on Services: For an additional fee of $2.75/month or $27.50/year, Childwatch can be added to any adult membership to monitor fraud occurring under a child’s name.

Additional Company Details

Contract Details: There are no fees to pay beyond the monthly membership fee. To cancel the service, you call customer service Mon-Fri, 8 AM-5:30 PM ET. Except where it deems appropriate, IdentityForce does not offer refunds for any subscriptions purchased through the website nor for the unused portion of a subscription period if canceled in the middle of a subscription term.

Warranty: No money-back guarantees are offered. They do offer free trial periods, but you will not receive a notice that your trial period is about to end and your subscription term about to begin. 

Accreditations: IdentityForce is accredited by the Better Business Bureau, where it has earned an A+ rating.

Company Details: IdentityForce was founded by siblings Steve Bearak and Judy (Bearak) Leary in 2005, but the Bearak family has been in personal information security business since 1978. 

Contact:  
IdentityForce
40 Speen Street
Suite 403
Framingham, MA 01701
Phone: 877-IDForce
Website: http://www.identityforce.com
Email: info@identityforce.com

 

Sheeva Azma - Senior Advisor

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