In this review we examine three of the industry leading identity theft prevention services, Identity Guard, LifeLock and Debix. Although the big three credit bureaus also offer identity theft prevention in the form of credit monitoring services, we’ve chosen to focus only on the selected companies because their primary business is protecting your identity and credit as opposed to selling your credit information to businesses.

Comparison of Services
In the chart below we summarize our findings for the services we reviewed side by side, identifying the pros and cons of each. A more detailed comparison is included below the chart. We hope this review proves helpful in providing you with relevant and current information on the state of identity theft prevention services being offered today.

	Identity Guard	LifeLock	LoudSiren (Debix)
Sets and renews credit fraud alert every 90 days
Your Phone Number Privacy		Puts your phone number in your credit file	Puts a Debix phone number in your credit file
Alerts you on up to three phone numbers
Audit history maintained for credit disputes
Identity Theft Insurance	$20,000 at Level 3 by Travelers Casualty and Surety	$1,000,000 backed by XL Capital	$25,000 backed by AIG, $1,000,000 Debix Guarantee
Recovery services
Free credit reports every year.
Removal from pre-approved credit card lists.
Removal from junk mail lists
Removal from telemarketer call lists
ISO 27001 certified information security standard
Base Price (annual)	Varies based on service level	$120	$99
Children’s Pricing
Discount Available	Level 1 Is Free	Limited Time 26% Off - $88
More Information / Web Site	Identity Guard	LifeLock	Loud Siren

Detailed Comparison

Identity Guard offers basic credit monitoring services with 4 levels of protection to suit various budgets and situations. Add on products are also available to provide credit scores.

• Price: Varies based on Level
• Fraud Alerts: Not provided. You have to set and renew your own
• Alerts: Email alerts you daily
• Credit Monitoring: Equifax, Experian and TransUnion reports - Credit Reporting Initially, get a 3-in-1 report from Equifax, Experian and TransUnion; Quarterly Updates
• Identity Theft Insurance: $20,000 with $250 deductible at Level 3 and up
• Credit Score: Offered as add on service
• Fraud Resolution Assistance: Yes

LifeLock employs a proactive security system that actually prevents new credit being granted in your name. LifeLock accomplishes this by establishing 90-day fraud alerts with all the credit-reporting agencies and renewing these alerts before they have a chance to expire. LifeLock also removes you from all pre-approved credit card offers and most junk mailing list and they arrange for delivery of your credit reports from the credit bureaus. Finally, LifeLock appears to be the only service of the ones we reviewed currently offering discounted identity theft protection for children.

• Price: $120 per year per adult. $30 per year for children
• Fraud Alerts: Set and renew fraud alerts with Experian, TransUnion, Equifax and ChexSystems
• Alerts: You are alerted by phone when someone tries to establish a new account in your name
• Monitoring: All the four Reporting Agencies for Possible ID theft
• Fraud Insurance: $1 million dollars
• Credit Reporting: Experian, TransUnion, Equifax and ChexSystems
• Credit Score: Not Offered
• Fraud Resolution Assistance: Yes

Loud Siren also proactively prevents identity theft by establishing and renewing fraud alerts on your credit reports. They make sure you no longer receive any preapproved credit card offers, reduce your junk mail by removing you from junk mailing lists and reduce telemarketing calls by placing you on don’t call lists. A unique advantage Loud Siren has is they keep your phone private from both creditors and thieves by putting their own phone number in the fraud alert, not yours. Alerts are then forwarded discretely to you. You can supply 3 different phone numbers to receive these alerts. Loud Siren also provides emergency fraud assistance and offers $25,000 dollars of identity theft insurance plus a $1,000,000 guarantee.

• Price: $99 per year
• Fraud Alerts: Set and renew fraud alerts with Experian, TransUnion, Equifax
• Alerts:You are alerted through cell phone, home phone and office phone (live demo available on website)
• Monitoring: All three Reporting Agencies for Possible ID theft
• Fraud Insurance: AIG insurance $25,000 dollar, no deductible plus a $1,000,000 guarantee
• Credit Reporting: Experian, TransUnion, Equifax
• Credit Score: Not Offered
• Fraud Resolution Assistance: Yes