IdentityIQ Secure Max Plan offers our most complete set of identity protection tools that we offer. You get maximum identity protection including: our complete set of identity monitoring alerts, $1M insurance policy, 3 bureau credit monitoring, plus coverage for your family and your 3 bureau credit report updated monthly. Our most comprehensive coverage for you and your family.

Know What's Out There

3 Bureau Credit Report & Scores Receive unlimited, online access to your Experian, Equifax and Trans Union credit reports and scores in an easy-to-read format. IdentityIQ allows you to refresh your report once every 90 days.

Discounted Additional Reports & Scores With an IdentityIQ membership you can purchase additional credit reports and scores at a discount, any time you need them. Use this benefit to add a 3-bureau credit report if you plan does not include one, update your scores, or double-check your report before making a big purchase.

Dispute Assistance Our expert representatives can assist you in disputing information included in your file. If you find inaccuracies in any of your credit files, call us to start the dispute process with all three bureaus and ensure a timely response.

Checking Account Report An excellent complement to our suite of credit products, the Checking Account Report allows you to see if any of your checking accounts have been reported to the Chex System for unpaid fees, overdrawn accounts, suspected fraud, or any other reason. A flagged account can be a strong indication of fraudulent activity.

Watch For Changes

Enhanced Credit Monitoring Your credit monitoring is enhanced with alerts for New Authorized Users, Credit Card Over Limit, Lost or Stolen Credit Card and more.

IQAlerts with Application Monitoring We monitor our network in real-time for attempts to use the member’s SSN in association with an application or id authentication. Our network includes companies that offer credit, but do not necessarily report to the credit bureaus such as cell phone companies and utilities. These companies often represent the first signs of identity theft and monitoring this network is critical for early detection.

Change of Address Monitoring We monitor the National Change of Address (NCOA) database at the USPS. Changing a consumer’s address to hijack mail is a common step in identity theft. We will notify you if the post office receives a request to send your mail to a new address.

Score Change Alerts We monitor your VantageScore 3.0 at one of the credit bureaus and alert you any time your score changes by more 10 points or more.

Dark Web & Internet Monitoring The "dark web" consists of web sites and secure chat rooms that normal browsers and tools don’t even "see". They often require special tools to access and are used to trade illicit information. We also scour public websites, hacker chat rooms, and foreign sites (in over 25 different languages) for instances where your SSN, name, address, phone, or email may be compromised. If found we will alert you right away.

File Sharing Network Alerts File sharing networks may be used by identity thieves to share or sell files of identities while remaining anonymous.

Criminal Records Monitoring We monitor court records and law enforcement databases across the country for evidence of crimes committed in your name. Identity Thieves may use stolen identities if they are charged with a crime to attempt to avoid prosecution.

Synthetic ID Theft Tracks your SSN for any evidence of synthetic ID Theft (when your SSN is used with someone else's name or address)

SSN Trace Returns all names, aliases, and addresses associated with your credit file. This includes any new, unverified information that might not be included in your credit report, but could indicate potential fraud.

Credit Score Tracker Credit Score Tracker plots your 1 bureau credit score on a graph each month so you can see trends over time. The score is automatically updated and will be ready when you login.

Plan Ahead

Credit Score Simulator Our Credit Score Simulator can offer you insight into the various elements that affect your credit score and guide you in making responsible financial decisions. You can use it to simulate a variety of different financial actions and understand how each could affect your credit score.

Lost Wallet Form & Assistance Our Lost Wallet Form is a convenient document for logging your debit, credit, insurance and other important cards so you can quickly identify them in the event of loss or theft and take immediate action to cancel and replace them before they can be used. It can also aid in filing police reports and follow-up resolution calls if your wallet was stolen. In the event your wallet or purse is lost or stolen, a Fraud Restoration Specialist will personally assist you in obtaining new cards and documents to the extent allowed by state and other laws.

Opt-out IQ (Junk Mail/Do Not Call List) These helpful tools enable you to restrict access to your personal information. Keep telemarketers and direct mailers away by using the "Do Not Mail" and "Do Not Call" lists.

ID Theft Insurance & Reimbursement - $1m $1,000,000 ID Theft Coverage - provides up to $1,000,000 in coverage for: funds stolen by unauthorized electronic funds transfer from an account in your name, legal fees, miscellaneous expenses and up to $1500 per week (five week maximum) for wages lost while resolving a stolen identity event. $0 deductible applies. Underwritten by AIG.

Family Protection

  • $25k ID Theft Insurance
  • ID Fraud Restoration
Protect your children at no additional cost. Add up to 3 minor dependent children to your plan and they will receive $25,000 of ID Theft Insurance and Identity Theft Restoration assistance at no additional charge. If you have more than 3 children, we can provide additional coverage at a minimal cost. [Future - Plan will include an additional benefit; likely - SSN / Internet monitoring as well]

Premium RestorationOur white-glove fraud restoration service. If you are a vicitim of Identity Theft, we will consult with you to understand the nature of the threat, develop an action plan and where possible take action on your behalf to reduce the impact and speed the recovery.

IQ CenterLearn more about effectively managing your credit and protecting yourself against identity theft with educational articles. IdentityIQ provides easy access to relevant information when you need it plus a whole library of easy to read and informative articles.