TransUnion Identity Force Review: What You Should Know

TransUnion IdentityForce offers a long list of identity protection benefits that can help you avoid becoming a victim — and even give you solutions if a scammer somehow manages to penetrate that protection. You'll receive perks like Dark Web monitoring, mobile alerts, mobile VPN and even seven-figure theft insurance.

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Key Takeaways

• IdentityForce delivers personalized protection through TransUnion, with features like 24/7 dark web monitoring, mobile VPN, fraud alerts and a custom Identity Safe Score. Plans range from $19.90 to $39.90 per month and include up to $2 million in identity theft insurance.

• Plans come in four tiers covering individuals and families, with higher-priced options adding three-bureau credit monitoring, phishing protection and coverage for up to 10 children. User reviews are mixed, with praise for monitoring tools but complaints about customer service.

• Consider IdentityForce if you want hands-off identity protection with dedicated restoration support. If you need broader coverage like home title monitoring or higher insurance limits, compare alternatives like Aura, LifeLock or Identity Guard before committing.

Summary generated by AI, verified by MoneyLion editors

How IdentityForce Works

IdentityForce is a high-tier identity protection service offered by TransUnion. It works differently than many other identity monitoring services in its highly personal approach.

An Example of IdentityForce in Action

While monitoring your identity, it gives you a personalized action plan and "Identity Safe Score" according to your unique breach history. If your information is compromised, IdentityForce provides a dedicated restoration specialist and fully-managed restoration from the IdentityForce Restoration Team.

In other words, IdentityForce does its level best to take care of the headaches for you, both in terms of prevention and recovery.

IDentityForce isn't free, however – though its base plan comes with a 30-day trial. You can choose from two four membership tiers:

• UltraSecure Individual: $19.90 per month, or $199.90 per year

• UltraSecure Family: $24.90 per month, or $249.90 per year

• UltraSecure+Credit Individual: $34.90 per month, or $349.90 per year

• Ultrasecure+Credit Family: $39.90 per month, or $399.90 per year

Both UltraSecure and Ultrasecure+Credit plans come with similar benefits. But as you may have surmised, one comes with the ability to check credit scores across all three bureaus.

Identity Monitoring Features

• Personalized action plan

• Personalized identity safety score

• 24/7 dark web monitoring

• Risk scores for each dark web hit

• Advanced fraud monitoring

• Anytime/anywhere mobile app and alerts

• Dedicated restoration specialist

• VPN for mobile

• Online PC protection

Personalized Protection

IdentityForce offers a distinctive toolkit of monitoring features that are customized for each member. You'll get a unique risk score based on your presence on the Dark Web, a unique action plan to help you avoid fraud, and much more.

Cost: $19.90 to $39.90 monthly

Fraud Alerts: Yes

Identity Theft Insurance: Up to $2 million

Pros

• Myriad credit monitoring features

• Personalized assistance depending on your risk level

• Identity theft insurance

Cons

• Memberships are not cheap

• TransUnion may share your data with third parties

• Customer support is reportedly lacking

Why We Like It: IdentityForce is a frills-filled way to keep an eye on your finances. If you're concerned that you can't sufficiently stave off fraud alone -- and who can? This is an excellent way to automate the hard stuff.

Identity Protection Features

The exact features you'll get depend on the level of IdentityForce membership you opt for.

In addition to the aforementioned personalized action plan, personalized Identity Safe Score and dedicated restoration specialist, the UltraSecure Individual plan comes with:

• Personalized action plan

• Personalized identity safety score

• 24 x 7 Dark Web Monitoring

• Risk Scores for each dark web hit

• Advanced fraud monitoring

• Anytime/anywhere mobile app and alerts

• Dedicated restoration specialist

• VPN for mobile

• Online PC protection

• $1 million in identity theft insurance

The UltraSecure+Credit plan also comes with the added benefits of Daily TransUnion Credit Reports & Scores, three-Bureau Credit Monitoring, alerts, and reports, phishing and BotNet monitoring and an improved $2 million in identity theft insurance.

Meanwhile, the UltraSecure Family and UltraSecure+Credit Family plans come with all the perks of the Individual plans but with the following extras:

• Monitoring for two adults

• Credit activity monitoring for up to 10 children

• Unlimited Dark Web social media monitoring and ID restoration for kids

• Financial account monitoring and alerts

• Phishing and BotNet monitoring

These aren't the cheapest identity monitoring memberships on the market, but they're certainly thorough.

Monitoring Features

• Fraud monitoring

• Bank account monitoring

• Social Security number monitoring

• Identity monitoring

• Court record and sex offender monitoring

• Payday loan monitoring

Alert Types

• Fraud monitoring

• Fraud alert reminders

• Medical ID fraud protection

• Identity threat alerts

4.0GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks.

Real-Time Alerts: With IdentityForce, you'll get advanced monitoring tools, fully managed identity restoration and helpful perks like junk mail opt-out — which can protect you against scammers finding information in your trash.

Identity Theft Insurance: Up to $2 million

Recovery Tools: Dedicated restoration specialistLost wallet assistance

Pros

• Robust alert features

• VPN for mobile

• Monitors for phishing

Cons

• No dedicated online protection tools for devices other than PC

• No home title monitoring

Why We Like It: IdentityForce is great for many aspects of your profile, from SSN monitoring to credit card monitoring. But it shines when it comes to PC activity, as it gives you anti-keylogging software, anti-phishing software and automatic data removal from online databases.

User Experience

When it comes to the IdentityForce user experience, feedback is a mixed bag.

Users on forums like Reddit comment on comprehensive monitoring and generous insurance. Some also reference good customer service.

On the other hand, IdentityForce receives a star rating of 1.09 out of 5 from the Better Business Bureau. Users express dissatisfaction with customer service — which is a big deal when it comes to identity protection — and platform issues. However, most users have the tendency to write a BBB review when something goes wrong, so it tends to skew negative.

The IdentityForce app scores a slightly better 2.5-star rating on Google Play and a 3-star rating on the App Store. It also receives 3.5 stars on Trustpilot.

IdentityForce vs. Competitor Options

IdentityForce vs. LifeLock

Perhaps more of a household name, LifeLock offers similar services to IdentityForce — think Dark Web monitoring, data breach notifications, identity restoration specialists, etc. It also comes in more tiers, meaning you can choose benefits based on your budget. LifeLock's most expensive membership comes with up to $3 million in more comprehensive coverage.

IdentityForce vs. Aura

Aura is another identity monitoring service that offers similar benefits to IdentityForce — while also filling in some gaps it misses. For example, you'll get home and auto title monitoring and instant credit lock. You'll also get up to $5 million in identity theft insurance.

IdentityForce vs. Identity Guard

Depending on the membership tier you purchase, Identity Guard comes with the standard data breach notifications, Dark Web monitoring, etc. But uniquely, it also offers High Risk Transaction Monitoring and 401(k) and Investment Account Monitoring. It even provides USPS Address Change Monitoring — things IdentityForce does not.

Final Take

IdentityForce is best for those who want to automate the most wearisome aspects of identity protection. If combing through people-finder websites, logging into multiple credit bureaus, keeping tabs on all your financial accounts, etc. isn't something you're interested in, IdentityForce could be worth the money.

FAQs

How does IdentityForce work?

IdentityForce monitors multiple common vulnerabilities that scammers like to exploit, such as leaked information on the dark web, phishing attacks, social media and more. It sends alerts, offers VPN services and even tailors an action plan based on its risk assessment of your profile.

Is IdentityForce safe to use?

IdentityForce is safe to use. That said, TransUnion does state that it may share your data with third parties.

Does IdentityForce offer identity theft insurance?

IdentityForce offers between $1 million and $2 million in identity theft insurance, depending on the membership level you purchase.

What features are included in IdentityForce plans?

IdentityForce plans include several helpful features to keep you protected, including 24/7 dark web monitoring, advanced fraud monitoring, mobile alerts, online PC protection and VPN for your mobile devices.

Is IdentityForce worth the cost?

It's for you to decide whether IdentityForce is worth the cost. Ideally, you'll never need the protection and insurance the service offers. But if you fall victim to identity theft, it'll be money well spent.

How quickly does IdentityForce alert you to threats?

IdentityForce claims it alerts you within seconds when your identity is used to open a new account, such as a credit card, utility, wireless account, mortgage, auto loan, etc.

Key Terms

• Identity theft: When someone uses your personal information without permission to open accounts, make purchases or commit fraud in your name.

• Identity monitoring: A service that watches for signs your personal information is exposed or misused and alerts you so you can act quickly.

• Credit monitoring: A service that tracks changes to your credit reports and alerts you to new accounts, hard inquiries or other suspicious activity.

• Dark web monitoring: A service that scans hidden parts of the internet for exposed personal data like your email, password or Social Security number.

• Identity theft insurance: Coverage that can reimburse certain costs tied to restoring your identity, like lost wages, legal fees or document replacement expenses.

Sources:

• Federal Trade Commission: Identity theft and online security

• Consumer Financial Protection Bureau: How can I monitor my credit and guard against identity theft?

• Consumer Financial Protection Bureau: What is a credit report?

• Internal Revenue Service: Identity theft information for taxpayers

Photo Credit: iStock.com