IdentityForce Review: Is This Credit Monitoring Service Worth It?
While you’re not likely to check your credit score all day, every day, knowing that it’s being monitored for you 24/7 offers plenty of peace of mind. IdentityForce is primarily an identity theft protection provider. However, its upper-tier service plans include credit monitoring for individuals and families as part of a complete ID protection package. Learn more here in our IdentityForce review.
Key Takeaways:
- Ideal for families: One subscription covers multiple family members under the UltraSecure+Credit Family plan.
- All-in-one solution: IdentityForce excels in combined ID protection and credit monitoring, backed by $1 million in ID theft insurance.
- Three-bureau credit monitoring: Get FICO scores from all three credit bureaus, utilizing the VantageScore 3.0 model.
- Competitive pricing: Plans start at $19.95/month, with discounts for annual payments.
About IdentityForce
IdentityForce began operations in 2005 and is owned and operated by TransUnion—one of the three main credit bureaus. IdentityForce’s focus is on identity and identity theft protection. One of the many highlights of its UltraSecure+Credit plan, though, is continuous credit monitoring and quarterly credit reports from all three credit bureaus.
Compare IdentityForce to other Top-Rated Credit Monitoring Services:
Unlocking Exclusive Benefits with IdentityForce’s UltraSecure+Credit Plan
Among the benefits beyond credit monitoring of subscribing to either an individual or family UltraSecure+Credit plan with IdentityForce are valuable distinctions such as $1 million identity theft insurance, the ability to monitor your children’s identity through the proprietary ChildWatch program, and lost wallet assistance.
No free plans or free credit monitoring is available through IdentityForce, and contacting the company for pricing on family plans that include more than two adults is recommended before signing up. IdentityForce pricing includes monthly payment availability or annual payments featuring a discount equal to the cost of two months of coverage.
IdentityForce ChildWatch Review
Identity thieves don’t always limit their victim profiles to adults. Children’s identities can be at risk, too, and may go unnoticed for longer periods. IdentityForce offers its program called ChildWatch as an add-on service for the company’s UltraSecure+Credit individual plan and comes standard in its UltraSecure+Credit family plan.
ChildWatch protects your children’s identity by monitoring social security number activity, social media activity, and recovery services, among other benefits.
Pros
24/7 customer service is available
A long list of additional identity protection features is available
ChildWatch protections available
Payable monthly or annually
Discounted pricing applies to the annual payment
Competitively priced service
Cons
Credit Monitoring is only available in the highest-priced plans
ChildWatch protections aren’t offered in the lowest-cost plan
Paid subscription required
Some low customer review ratings regarding the mobile app
Quarterly credit reports instead of monthly
IdentityForce Features and Benefits
IdentityForce’s only plans that provide credit monitoring also include the following protections.
- Credit score monitoring at all three main credit bureaus
- Quarterly credit reports from all three main credit bureaus
- VantageScore 3.0 monitoring
- Credit score simulator
- Fraud monitoring
- Social Security number tracking
- Identity theft insurance with $1 million protection
- 24/7 identity and fraud alerts
- Online protection tools
- Social media identity monitoring
- Mobile app
- Bank and credit card activity monitoring and alerts
- Junk mail opt-out
- Secure VPN availability
IdentityForce Editorial Rating
Trusted Company Reviews Rating Score for IdentityForce: 7.5
| Criteria | Points |
| Better Business Bureau Grade | 9 |
| Trustpilot Review Rating | 8 |
| Free Credit Monitoring Available | 0 |
| Three-Bureau Reporting Available8 | 9 |
| Best Plan Monthly Cost | 3 |
| Identity Theft Features | 7 |
| Credit Score Update Frequency in Lowest-Cost Plan | 2 |
| Credit Score Update Frequency in Highest-Cost Plan | 2 |
| Family Plan Available | 5 |
| Additional Features | 10 |
| Expert Opinion Score | 40 |
IdentityForce Plans and Prices
IdentityForce offers two individual membership plans, one of which offers credit monitoring and a family plan that provides credit monitoring and identity protection for two adults and an unlimited number of children.
IdentityForce Plan Pricing
| Individual Plan
Monthly / Annual |
Family Plan Monthly / Annual | |
| UltraSecure | $19.95 / $189.95 | N/A |
| UltraSecure+Credit | $34.95 / $329.95
Add $2.75 monthly or $27.50 annually for ChildWatch |
$35.99 / $359.95
ChildWatch Included in Price |
Is IdentityForce Right for You?
Families with at least one child will enjoy the most significant cost savings with an IdentityForce family plan. While the company primarily focuses on identity theft protection, its credit monitoring service is competitive against companies that only monitor credit scores and, in some cases, better.
IdentityForce plans that include credit monitoring could be an excellent match for families and individuals who take their credit scores seriously, are concerned about identity protection, and are willing to spend a few dollars to ensure someone is helping them watch for threats and changes.
However, if monitoring your credit is your only concern, there are free credit monitoring services that may serve the purpose almost as effectively as IdentityForce.
IdentityForce Vs. Lifelock
IdentityForce’s nearest competitor for paid identity theft protection and credit monitoring services is LifeLock. The two companies feature similar prices. However, IdentityForce offers discounted pricing for annually-paid memberships, while LifeLock offers substantial first-year discounts only.
LifeLock provides several more plan choices than IdentityForce, and pricing for its lowest-cost plans is less costly than IdentityForce’s. While the lowest-cost IdentityForce plans provide no credit monitoring features, LifeLock’s bargain plans include at least limited provisions for credit monitoring from TransUnion. Getting started with LifeLock qualifies you for a 60-day money-back guarantee versus IdentityForce’s 30-day free trial.
The premier plan choices for both companies offer similar and thorough identity protection and credit monitoring through all three main credit bureaus. IdentityForce offers $1 million in insurance backing against identity theft, while LifeLock offers up to $3 million depending on your needs after a breach.
| IdentityForce | LifeLock | |
| Credit monitoring in lowest-cost plans | No | Limited |
| 3-Bureau credit monitoring | Available | Available |
| 24/7 customer service | Yes | Yes |
| Monthly credit reports | No | Yes |
| Dark web monitoring | Yes | Yes |
| Social Security monitoring | Yes | Yes |
| Mobile app | Yes | Yes |
| Social media monitoring | Yes | No |
| Family plan available | Yes | Yes |
| Identity theft insurance | $1 million | Up to $3 million |
| Lowest annual cost | $189.95 | $124.99 after 1st year |
| Highest annual cost | $359.95+ | $339.99 after 1st year |
Compare other top-rated credit monitoring services that we recently reviewed here at TrustedCompanyReviews.com:
- Credit Sesame Reviews
- Experian Credit Monitoring Services Reviews
- Aura Credit Monitoring Reviews
- MyFico Credit Monitoring Review
Frequently Asked Questions
What is IdentityForce?
Is IdentityForce a legit company?
Is IdentityForce part of TransUnion?
What is VantageScore 3.0?
Can IdentityForce help me improve my credit?
Which is better IdentityForce or Identity Guard?
Deane Biermeier is a certified financial educator through the University of Minnesota and a respected authority in financial research, writing, and editing, renowned for his in-depth analyses and expert advice. With a distinguished career that previously spanned home improvement, real estate, and finance topics, Deane's role at Trusted Company Reviews focuses exclusively on finance.
Deane has contributed to leading publications such as Forbes Home, US News and World Report, Newsweek Vault, and others.
Since joining TrustedCompanyReviews.com in 2023, he has solidified his reputation as a crucial resource for clear, factual financial guidance.
Deane Biermeier
Last Updated: May 21, 2025
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