AllClear ID monitors many types of records and personal information in order to keep you safe from identity theft. Additionally, it provides a $1 million insurance policy and a $1 million service guarantee so even if something does happen to your personal information, you won't be financially penalized for it. Additionally, this fraud prevention service will help to restore your good name with its effective resolution services.

This fraud prevention service monitors your full name, social security number, credit card information, physical address and phone number. Unfortunately, it doesn't monitor public records, lease and loan information, your driver's license number or your vehicle registration data.

Additionally, AllClear ID monitors the information the three credit bureaus collect about you. If this identity theft protection service identifies a situation that may be fraudulent, it will contact you immediately using an automated system. The service will call you using a patented secure technology to verify your identity and confirm that you authorized the request for credit. It provides you with the details on the activity that appears suspicious and then you press 1 on the keypad if the activity is authorized. If it's not something you have instigated, you can press the star key on your telephone number pad, which will connect you to an AllClear OnCall investigator.

The investigator will immediately begin looking into the matter and will work with you until it's fully resolved. This is the only identity theft protection service we reviewed that includes the PIN and voice verification features, and it is the only company with patented technology to deliver these secure alerts.

AllClear ID offers actual insurance that reimburses you for losses, whereas other identity theft protection companies only provide a service guarantee, meaning they will spend up to a certain amount to help you but will not reimburse you for your total losses. The $1 million identity theft insurance policy that AllClear ID provides, which is underwritten by AIG, covers certain fees, lost wages and fraud losses related to recovering your identity.

You can contact the AllClear OnCall Investigators with questions at any time, and they can guide you through additional protections such as ordering your free annual credit report, signing up for junk mail reduction and ordering other free reports like your employment history.