8 Questions to Choose Identity Theft Protection

Identity theft protection watches your personal data and helps you recover if the worst happens. Here's how to choose a plan that's worth it.

1. What does it actually monitor?

Look for monitoring of your credit, the dark web, bank and card activity, and your Social Security or national ID number.

2. How fast are the alerts?

Real-time alerts let you act before damage spreads. Check how quickly and how you're notified.

3. Does it include credit monitoring from all bureaus?

Three-bureau credit monitoring gives the most complete picture of your credit.

4. What recovery help is included?

The most valuable feature is hands-on recovery assistance — dedicated specialists who help you fix the mess.

5. Is there identity theft insurance?

Many plans include insurance (often up to $1M) to cover losses and recovery costs.

6. Does it cover your family?

Family plans protect partners and children, whose identities are also at risk.

7. How much does it cost, and is there a free trial?

Compare monthly cost against the cover and features, and use any free trial to test the service.

8. What do independent reviews say?

Check reputation for alert accuracy, customer service and how well recovery actually works.

Our Top Picks

These are popular, well-rated options worth comparing. We may earn a commission if you buy through our links, at no extra cost to you — always check current prices and terms first.

Prioritise strong recovery support and three-bureau monitoring, and use a free trial before you commit.