PROS / Even if you are not a member, ID Watchdog can help you restore your good name if you are a victim of identity theft.
CONS / This service does not look at criminal records and does not provide computer security software.
VERDICT / This is a good service that protects more than your financial information. Its ability to help you resolve ID theft issues even if you aren't a member is a plus.
ID Watchdog has two identity theft protection plans you can choose from to help you protect yourself from fraud. Under both plans, the service monitors your address, social security number and credit report, and the service offers both a guarantee and insurance payout in the unlikely event your identity is stolen while under its care.
The ID Watchdog Plus plan performs basic identity monitoring, which includes credit alerts and scanning of unencrypted chat rooms, malicious websites and black market sites where personal information can be sold or traded. If the service detects a threat, it contacts you via email or text message. The ID Watchdog Platinum plan provides all of these features and provides your credit reports and scores.
This ID theft service also checks public databases for unauthorized use of your information. It surveys the National Change of Address database to ensure that no one is trying to redirect your mail to another location. This fraud protection service also scans payday loan databases to make sure no one is using your data to obtain noncredit loans. Other services we reviewed monitor this source for fraud.
In addition to checking databases, ID Watchdog monitors the information that the credit bureaus collect. It keeps track of your open lines of credit and identifies attempts to gain additional credit. The Plus plan monitors just the TransUnion credit bureau report while the Platinum plan keeps tabs on the reports from all three major credit bureaus.
ID Watchdog guarantees its service 100 percent. If someone steals your identity, ID Watchdog will employ its certified identity theft risk management specialists to work directly with you to restore your good name and resolve all problems. It also provides identity theft insurance to help you recoup losses. The plans vary by state, whereas most services have a standard $1 million insurance cap.
If you are already a victim of identity theft, this service can help you resolve your issues and restore your good name. It offers three types of restoration services, which include one for financial records, one for personal and civil records, and one for law enforcement and government records. This comprehensive service sets it apart from other ID theft restoration companies, which usually only work with existing customers.
You may also enroll your children in this plan. This is an important feature, as children are more likely than adults to become victims of identity theft.
You can call or email ID Watchdog during regular business hours. The website focuses on the service and does not offer general information on identity fraud or FAQs regarding its service. However, the terms and conditions are clear and thorough.
ID Watchdog has some effective resources and features that protect you from identity theft. This service looks at credit and public records, in addition to black-market sites that deal in trading personal information. If your identity has been stolen, the service can help you restore your good name. It's a service worth checking out, especially if you have already fallen prey to identity fraud.