- It is available in the US only.
- Membership of IDArmor costs just $8.00 a month
per
adult member.
- One of the cheapest
ID protection services on the market.
- An award-winning US-based
service.
- An automated solution intended to protect you and your
identity.
- Public Database Scanning - ID Armor Monitor hundreds
of public record databases and if they detect anything unusual that
could suggest ID theft you are immediately informed.
- Credit
Card Scanning - ID Armor regularly patrol the black market where ID
thieves buy and sell credit card numbers. If your details are
discovered to be compromised you are immediately informed.
- SSN,
Name and Address Scanning - Similarly, if your social security number, name or address are
found to be traded online you are immediately informed.
- Fraud
Alerts - protect your credit by requiring lenders to verify your
identity before taking any action that could put your credit at risk.
- Junk
Mail reduction - removes your name from marketing databases to stop
pre-approved credit card offers - a frequent source of ID Theft.
- Free
Annual Credit Reports - from Equifax, Experian and Trans-Union to review your credit history in order to detect any instances where your identity has been compromised.
- $1Million warranty protection to cover out
of pocket expenses associated with identity theft.
- On call
protection specialists - customer service specialists are on call to
help you with any query.
- Family Protection - the identities of your spouse, your children and other members of your family that live in your household are protected if you opt for a family membership plan.
- Excellent
phone support with a toll-free helpline.
- Online user support
and FAQs.
ID Armor is a US-based service that is a
relative newcomer to the consumer identity theft protection market.
Established in 2007, ID Armor is simply too new to be accredited by
professional organisations, such as the Better Business Bureau (which
is a 'goes without saying' standard for most companies in this
category). ID Armor offers a very simple service, and thus is rightly
one of the cheapest services we have reviewed in this category. ID
Armor provides a 'no frills', basic service and thus is perfect if
you're looking for the most basic level of protection. If you're
looking for a service that will provide additional features, or provide
cover for your family, you're looking in the wrong place! The current
subscription cost is $8 per month per adult member, though this has
increased significantly in the past year (from just $1.99 per month per
adult in 2008), so we would certainly suggest keeping an eye on this
site to check you don't start paying over the odds for a relatively
mediocre service.
In terms of features, ID Armor is undeniably
limited. ID Armor requests that fraud alerts are placed on each of the
three major credit union files with respect to the user, so that any
new requests or applications for credit automatically require
authorisation from the user. While this service does provide some
advanced warning of the potential threat of identity theft, and can in
many cases stop the crime from occurring, this does not stop those
elements of identity theft and associated fraud that happen
outside the channels of a normal credit application.
Users of ID Armor
also get a free annual credit report, compiled in the (fairly
commonplace) 3-in-1 format (combining the efforts of Experian, Equifax
and Trans-Union). These reports not only give you a great indication of
your credit rating and financial situation, but also help you to
identify any anomalous transactions or applications that may be
evidence of fraudulent activity.
One of the most disappointing elements
of ID Armor is that there is no attempt at offering Identity Theft
Recovery Assistance, and although there is a $1Million guarantee on the
ID Armor service, we couldn't help but feel that this left users a
little in the dark if the worst should happen.
All in all, ID
Armor is an extremely simple service that offers users the most basic
protection in Identity theft prevention. Even though it's still
relatively cheap, we are not convinced that it's worth the current
subscription fee. It seems that while the subscription fee has taken a
substantial jump since 2008, the features offered in return haven't
improved to the same extent. We would definitely recommend checking out other
services that, while often more expensive, will provide a
wide range of features that will contribute to a far more encompassing
service. For comparison, check out LifeLock, our highest rated service
in this category which, for a slightly higher monthly subscription fee, offers a
much more developed service, with a range of useful additional
features.
Click the button below to check out IDArmor.com for yourself...
