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LAST UPDATED: February 25th, 2022

ID Watchdog was founded in 2005 by a group of credit professionals who recognized the growing issue of identity theft and sought to create a product that would protect individuals, families, and businesses from fraudulent activity and identity thieves.

Today, the company does just that by providing identity theft protection services to consumers.

ID Watchdog identity theft services include basic identity monitoring, advanced identity monitoring, internet black market surveillance, email and SMS notifications, identity restoration, credit monitoring, and National Provider Identifier (NPI) alerts for healthcare professionals.

ID Watchdog also provides customers with the following and more: 

  • Multiple identity theft protection plans
  • Up to $1 million in identity theft insurance
  • Access to identity theft resolution specialists
  • 24/7 U.S.-based customer service
  • Lost wallet vault and lost wallet assistance
  • Fraud alert assistance 

Read on to learn more about ID Watchdog's identity theft protection services and to view verified ID Watchdog reviews from real customers. 

Top Ranked Companies


The Good

  • Monitoring Services
  • Full-Service Identity Restoration
  • Plan Options 
  • Online Education

Monitoring Services

ID Watchdog offers a number of monitoring services, including credit report monitoring from all three major credit reporting agencies (Equifax, Experian, and TransUnion), internet monitoring, and social security number monitoring.

These monitoring services are designed to protect customers from identity theft incidents like a data breach or various individual threats.

ID Watchdog’s comprehensive identity theft monitoring services track public records and address changes, hacker forums, and internet black market, high-risk transactions including account password resets and new loan applications, enhanced non-credit loans like subprime mortgage, and payday loan markets.

Full-Service Identity Restoration

The company’s identity protection services include full-service identity theft restoration for any customer who becomes a victim of identity theft while under ID Watchdog’s protective care.

In the event that identity theft does occur, ID Watchdog will have Certified Identity Theft Risk Management Specialists (CITRMS) work on the customer’s behalf to restore their identity and clean up any fraudulent activity records that may have accompanied the theft.

The identity protection services company promises a 100 percent identity theft resolution guarantee to all customers that experience identity theft while using their services.

Plan Options 

ID Watchdog offers two protection service plans for customers to choose from: the ID Watchdog Plus plan and the ID Watchdog Platinum plan.

The Plus plan is cheaper than the Platinum plan and includes secure access to a personal, online account where customers can check their credit report monitoring status and review fraud alerts, obtain a 100 percent guarantee for identity theft resolution, receive advanced identity theft monitoring, and access 24/7 live customer service and support in case they run into any identity theft problems.

The Platinum plan is slightly more expensive than the Plus plan, but it includes all components of the Plus plan and also offers customers credit monitoring and access to view their credit report and credit score from all three major credit reporting agencies. ID Watchdog ensures customer security as stated in its privacy policy.

Both ID Watchdog Plus and Platinum customers can obtain up to $1 million in identity theft insurance, 24/7 customer support care, lost wallet assistance, customized alert options, access to a mobile app, and more.

ID Watchdog Platinum customers can also receive up to $500,000 for 401K and HSA stolen funds reimbursement. 

Online Education

ID Watchdog has an online education resource page that helps customers learn more about personal identity protection, suspicious activity, data privacy, identity theft detection, identity theft and identity fraud, and more.


The Bad

  • Lack of Family Plan Information
  • Service Limitations

Lack of Family Plan Information

ID Watchdog does offer an identity protection package for families.

It covers two adults and all children living in the home; however, customers interested in ID Watchdog's family plan will need to call the company for more information regarding this protection plan since there is limited information about this plan on the company's corporate website.

Customers may dislike this lack of information on the company’s site as many other identity theft protection companies offer this information upfront.

Service Limitations

Although ID Watchdog offers credit score and credit report monitoring services along with internet and social security monitoring, there are still a number of identity theft protection plan services that ID Watchdog does not offer.

The company seems to lack services including financial statements and bank account/card monitoring, limited power of attorney, anti-virus software, anti-keylogging software, and criminal and tax identity recovery.


The Bottom Line

ID Watchdog offers a number of monitoring services including credit score and credit report monitoring, public records monitoring, high-risk transactions monitoring, subprime loan monitoring, USPS change of address monitoring, and dark web monitoring. 

The company also provides a detailed data privacy policy, assistance with identity theft, identity fraud alerts, up to $1 million in identity theft insurance, registered sex offender registry reporting, social network alerts, national provider alerts, 24/7 live customer service, solid identity theft protection plan options to choose from, an online educational resource page that customers can use to learn more about personal identity and data protection, and more. 

The ID Watchdog Platinum plan also provides customers with up to $500,000 in terms of 401K and HSA stolen funds reimbursement. 

Unfortunately, the company does not disclose information regarding family plans and has limited services in comparison to other identity protection companies.

Additionally, there are several other limitations to ID Watchdog's identity theft protection services that customers may dislike including the lack of financial statements, bank account/credit card monitoring, and criminal as well as tax identity recovery.

We suggest that you view and compare top-rated companies in this industry and read ID Watchdog reviews before choosing a company to protect your identity.

View Best Identity Theft Companies

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24 Reviews

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Ardalon Los Angeles, CA

This service was absolutely useless! I signed up for credit monitoring for me and my entire family. I paid a hefty annual fee. The one time that I applied for a credit card and was approved, ID watchdog failed to notify me in any manner. When I called and spoke with customer service, they apologized and called it a glitch in their system. They said they would open to ticket to ensure that "things go smoothly moving forward." Rather than saying we screwed up and you should not be charged a penny for our error, they essentially said they'd keep my pre paid annual fee. They acknowledged their mistake and still made no concession of any kind. This company is a joke! You can have your ID stolen and never learn about it until its way too late to take corrective action. I'm now searching for a company that can competently monitor my credit.

4 years ago

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Donna Hyannis, MA

The product is average. For $20 a month you also can view your credit reports. As far as anything over and above viewing your information, this service and the employees offer no other assistance. They recommend contacting the credit bureaus and dealing with any problems there, rather than providing any assistance. To top it off, they behave as if you've interrupted their day on the beach and are an inconvenience. Attitude is everything and after speaking with 2 employees, I cancelled my 1 week old account. You are unable to cancel without contacting them and if you do cancel in the middle of a paid month, you lose it. I was told to call back prior to the next billing cycle to cancel. Very rude people. Buh-bye!

6 years ago

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Ann Choi Astoria, NY

ID WATCHDOG is NOT a 24/7 service, as advertised. Instead, it was a 24/7 "answering service," even though they could not answer any questions either. I just paid $149 for their annual membership. While completing my registration, after they required me to submit the credit charges first, I could not answer their questions to verify my identity because the answer choices consisted of false information, the basis for my identity theft and the reason I signed up for their service in the first place! The message on the screen asked me to call their 1-800 number, and when I did, I got an answering service to take my message. When I asked when I should expect to hear from someone else, the lady could not tell me. This was not the 24/7 service I signed up for, especially when I was in a state of panic.

6 years ago

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Hugo Aguirre San Francisco, CA

If you rely on this company for watching over your identity and protect it, forget about it. They are prehistoric in their ways which makes me wonder how effective they can be about their purpose. They do not have safe electronic ways to communicate, they do not have encrypted communication. They rely instead of secure faxes to be in touch with customers. That means to request additional expenses or buying machines that have no further usage these days. Very poor customer service.

5 years ago

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stacey walters

I was charged for there service that i never applied for, and in trying to clear up this error i was given the run around. I spoke to 5 different people in 3 days each stated that when i called back to ask for them big mistake they put you on hold and go talk to the person you want to talk to and ehen asked for a supervisor's direct number was told they could not fo that. I just find it kind of ironic that a identy frsud company could not find out who was using there name to fraud other people. Doesn't mske me want to do business with them.

6 years ago

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Joseph Dickinson Irving, TX

The customer service is horrible. As u r trying to talk to them they try to overtake the customer not giving the customer a chance to respond.

6 years ago