Our series onIdentity theft protectionApps rate the features, pricing options, competition, and also the overall value of using each app. However, these are not complete hands-on reviews as evaluating identity theft protection apps is nearly impossible. It would take several months to run tests, hack accounts to see if the protection app is working, submit personally identifiable information, run multiple credit checks, and run the risk of the reviewer’s personally identifiable information being disclosed.
Our identity in life plays a big role in what we can achieve. If you have a clean balance sheet, excellent credit, and no criminal background, this is a stepping stone. It’s easier to find employment, buy a car or house, and even get a bank loan to start a new business. The problem is that many of us are now spending more and more time online. During the coronavirus pandemic in particular, people are now working remotely using video chat tools, communicating through Slack, and constantly browsing websites.
If your identity is stolen through no fault of your own, everything can change immediately. Banks will suddenly turn down loans, employers will see problems doing a background check. Protection against identity theft is more important than ever today.
An excellent option to see if you are a victim of identity theft now or at some point in the future is IDShield. The product emphasizes fraud interventions on your behalf by licensed private investigators. You give them power of attorney to deal with credit agencies and restore your good name. There are several “pitfalls” with this approach, namely that any identity theft protection app should focus more on preventing fraud than on dealing with fraud after it occurs. And a website that sometimes doesn’t adequately explain the terms and features can create confusion about what the product actually does.
Plans and Pricing
IDShield is certainly one of the cheapest identity theft protection apps we’ve come across. The main IDShield plan costs $ 13.95 per month and includes $ 1 million insurance coverage to restore your finances and make up for lost wages, expert consultations, and credit monitoring by a credit bureau. The next tier costs $ 17.95 per month and monitors three credit bureaus. If you choose the Family planThe cost increases to $ 26.95 for one credit bureau and $ 32.95 for three, protecting you, a loved one, and up to 10 of your dependent children.
These fees are lower than the two most obvious competitors, Norton LifeLock (with a confusing pricing plan, but it costs $ 30 per month for the $ 1 million insurance plan) and IdentityForce ($ 17.99 for a similar one) Plan). IDShield doesn’t mention annual plans on their website to save monthly prices.
Before describing the desktop and mobile apps, it is important to mention the IDShield website. More than with other apps, which you can download and use from the Windows Store, for example, without analyzing the functions too closely, protection against identity theft really depends on self-education. The more you know about the field of identity theft and how criminals can damage your reputation, ruin your credit, and even impersonate you and commit crimes, the better.
IDShield makes a valiant attempt to relay some information, but there are several problems. For starters, the main website has descriptions of what’s available in the app, but it’s easy to overlook a tiny “See More” option that explains additional features.
Some of the wording is far too general without actually touching on the details. For example, the consultation function is described in this way, with all details omitted: “Our IDShield Licensed Private Investigators work until a member’s identity has been restored to pre-theft status to ensure they are not held responsible become the debt created by the identity thief. By performing comprehensive recovery services, consumer reports are reset to their pre-theft status and other records are freed of the activity created by the identity thief. “
There isn’t enough detail in the app itself to explain what the features actually do. Norton LifeLock does a much better job of presenting the options in a dashboard that works more like an assistant. It shows how many steps are left or how many accounts you need to configure.
IDShield puts too much emphasis on your creditworthiness and some of the information intended to explain features explains the general concepts of credit monitoring instead. This applies to the desktop app and the mobile apps for iPhone IOS and Android.
Another interesting discovery at IDShield is that the features are rather poorly highlighted, although the only strong area is consulting licensed investigators. Again, this is all related to what you can do after this Identity theft occurs. The app monitors credit bureaus for you and can alert you to credit issues so you can deal with them immediately and not turn them into insurmountable (and low credit) problems. However, some of the functions are listed multiple times.
On the IDShield website and in a Function comparison documentYou will see the “Unlimited Counseling” and “Licensed Private Investigators” feature listed, but that’s just another way of explaining the same thing. Another feature related to social media monitoring isn’t that impressive either, as it mainly tracks whether you’re posting illegal pictures, creating drug references, or using swear words. It will not monitor whether your account has been hacked.
More impressive is how IDShield keeps track of your identity. Norton LifeLock is a better way to showcase the tools to protect your identity. However, IDShield does provide the ability to monitor when someone is using your address, phone, or other personally identifiable information. The app can track public court records and detect payday loan fraud where someone tries to get a loan using your name and identity.
One small point here is that the app notifies you when a sex offender is moving into your neighborhood, but doesn’t take the extra step of notifying you when a sex offender tries to steal your identity. This is a unique feature in IdentityForce that sets it apart.
IDShield has one major competitor, as do all identity theft protection apps: Norton LifeLock is the big giant in identity protection and has a well-designed dashboard that clearly shows every function and walks you through every step. This app makes it easier for you to see the progress you have made in configuring tracking and monitoring. IdentityForce also offers a few additional features, including alerts about sex offenders who are stealing your identity.
IDShield really shines because you can ask experts to use the Power of Attorney to resolve credit and identity issues. Details of what they actually do are somewhat scarce, and repairing credit and identity arguably less valuable than protection at all. However, it is helpful to have a team of people working on a fraud case. IDShield also tends to cost less per month than other apps if your primary goal is to protect your funds.
The main point here is that IDShield may need to change its name. If the main claim to fame is related to working with investigators on fraud cases, IDRestore could be a better name. That said, it’s an inexpensive app when compared to the competition.
Source link : https://www.techradar.com/reviews/idshield/