ID Watchdog® Essentials

ID Watchdog® Essentials

  • Stay alert with 1-Bureau credit report monitoring
  • Lock and unlock your Equifax credit report2
  • Receive fully managed resolution support in the event of identity theft
  • And so much more, see a full list of features below
Plan Options:
Individual
$ 4 90 month
Cancel at any time; no partial month refunds.1
Get Started
Product Includes:
  • Stay alert with 1-Bureau credit report monitoring
  • Lock and unlock your Equifax credit report2
  • Receive fully managed resolution support in the event of identity theft
  • And so much more, see a full list of features below
More for Families. Our family plan helps you better protect your loved ones of all ages under your roof or financial responsibility. View Details
Peace of Mind Starts Here
ID Watchdog Essentials features include:
  • Helps Better Protect Children Helps Better Protect Children
What You Need to Know:

The credit scores provided are based on the VantageScore® 3.0 model. Any one-bureau VantageScore uses Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.

Credit Report Lock | 1 Bureau2
Lock or unlock access to your Equifax® credit report through your ID Watchdog account, with certain exceptions. Locking your Equifax credit report is an effective way to provide additional protection against unauthorized access and to help better protect against identity thieves from opening new accounts in your name.
Social Account Monitoring Helps Better Protect Children
Notifies you of potential cyberbullying or reputation-damaging information directed at you or your family on social media. Link up and monitor your Facebook, LinkedIn, Twitter, Instagram and YouTube accounts as well as those of minor children included in your plan.
3-Bureau PreCheck3
Activate Equifax 3-Bureau PreCheck to place an initial fraud alert on your credit reports across the three nationwide credit bureaus. Equifax 3-Bureau PreCheck encourages lenders to contact you and verify your identity before extending credit.
Subprime Loan Block4 Helps Better Protect Children
Blocks new, unsecured subprime loan transactions, such as payday, high-cost installment, rent-to-own, and other loans outside of the traditional banking system but within our monitored lending network. Notifies you in near real-time when a loan is blocked. To accept a loan, you'll need to remove the block. If you do not recognize the activity, the alert could signal potential fraud.
Financial Accounts Monitoring
Get alerts on potentially fraudulent transactions on your credit, banking, investment, 401k/retirement, HSA, and student loan accounts. Monitor account balances at over 17,000 global institutions and set custom alert triggers.
National Provider ID Alerts
If you are a healthcare provider, this feature monitors the National Provided ID (NPI) database for changes associated with your NPI number and alerts you if your account has been modified in a way that, if unrecognized, could indicate identity theft.
Equifax Blocked Inquiry Alerts
When your Equifax credit report is locked or frozen, we'll alert you if an attempt to access it is blocked. If you recognize the activity and want to allow the inquiry, you'll need to remove the lock or freeze. If you do not recognize the activity, the alert could signal potential fraud.
Equifax Child Credit Lock Helps Better Protect Children
Through your ID Watchdog account, activate a Child Credit Lock for your minor child to help better protect against credit fraud in your child’s name by creating an Equifax credit report for your child then locking it to prevent access to it by potential lenders and creditors. ID Watchdog is the only benefits provider with online child lock capabilities.
Registered Sex Offender Reporting Helps Better Protect Children
Searches for sex offenders in your area, and alerts you when offenders move into or out of the neighborhood. Reports include map, offender photo, and offense details. Run up to 10 reports on any address each month.
Customizable Alert Options
Set your preferences, and receive alerts via email, text message, phone call, or mobile app push notification. Family plan members can opt to share their alerts with other adult family members.
  • Helps Better Protect Children Helps Better Protect Children
What You Need to Know:

The credit scores provided are based on the VantageScore® 3.0 model. Any one-bureau VantageScore uses Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.

Credit Report Monitoring | 1 Bureau
Monitors your credit report from one credit bureau (Equifax®) and provides alerts of activity, which if unexpected, could be a sign of potential fraud.
Telecom & Utility Alerts
Alerts you of new telecom or utility credit inquiries using your identity on your Equifax credit report, such as cell phone or cable accounts.
Subprime Loan Monitoring4 Helps Better Protect Children
Monitors your identity and sends an alert if we detect new specialty finance activity in the monitored network using your identity including payday, subprime, high-cost installment, rent-to-own, and other loans outside of the traditional banking system.
Dark Web Monitoring 5 Helps Better Protect Children
Scans websites, chat rooms, and other forums known for trafficking stolen personal and financial information for compromised credentials including Social Security numbers and email addresses. Enter additional credentials such as credit cards, bank accounts, and driver’s license to be included in the scanning.
High-Risk Transactions Monitoring4 Helps Better Protect Children
Helps you better protect against account take overs and fraudulent new accounts opened in your name by alerting you, if we detect in the monitored network, a high-risk validation performed by a financial institution using your identity. These validations are required for new account openings, adding or changing an account holder, and other high-risk activity such as wire transfers and large withdrawals.
1-Bureau Credit Report & VantageScore Credit Score | Monthly
Update your VantageScore® 3.0 credit score based on Equifax® data monthly. By following this credit score, you can gain insight into how it changes over time. Refresh your Equifax 1-Bureau credit report monthly.
Credit Score Tracker | 1 Bureau
Stay up-to-date on your VantageScore® 3.0 credit score based on Equifax data with monthly tracking. See how it is trending over time.
Equifax Child Credit Monitoring Helps Better Protect Children
Scans the Equifax credit database for a child’s Social Security number and alerts you if a credit file potentially exists or is created under your child’s identity. Typically, a child should not have a credit report; if they do, it could be a sign of identity theft.
Data Breach Notifications
Notifications of recent data breaches where your personal information may have been exposed
Phishing & Malware Alerts
Alerts you if we detect that your personal information or credentials have been compromised by phishing, malware or botnet attacks.
Public Records Monitoring Helps Better Protect Children
Scours billions of public records and other databases including licenses and certifications to search for new names or addresses associated with your identity which, if unexpected, could be a sign of potential identity theft.
USPS Change of Address Monitoring Helps Better Protect Children
Monitors the United States Postal Service (USPS) National Change of Address database for addresses associated with your name and detects the rerouting of your mail to a new address in case it was done without your knowledge.
  • Helps Better Protect Children Helps Better Protect Children
What You Need to Know:

The credit scores provided are based on the VantageScore® 3.0 model. Any one-bureau VantageScore uses Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.

Personalized Identity Restoration Helps Better Protect Children
Assigns one of our certified, U.S.-based restoration specialists to your identity theft case. We go beyond restoration assistance—your case is personally managed by a dedicated specialist until it is resolved.
Resolution for Pre-Existing Conditions Helps Better Protect Children
When enrolled through your employer’s benefit program, provides full service resolution for pre-existing identity theft regardless of when it occurred. Helps identify pre-existing conditions by establishing a baseline identity profile report incorporating records going back up to 30 years, which you can review to see whether or not they should be associated with your identity.
Up to $1M Identity Theft Insurance6 Helps Better Protect Children
Provides up to $1 million of reimbursement for certain out-of-pocket costs related to the recovery of your identity. The insurance includes stolen funds reimbursement for certain unrecoverable, fraudulent electronic transfers from checking, savings, and money market accounts.   
Online Resolution Tracker
View the status of your open identity theft case and keep track of the communication with your assigned certified resolution specialist through your online dashboard.
Credit Freeze Assistance
Provides education and quick access to features and links to manage credit report locks, credit freezes and subprime loan block across national and specialty credit bureaus – including banks & utilities. If you have been a victim of identity theft, our Resolution Team will assist you in freezing your credit reports and setting fraud alerts at each of the three nationwide credit bureaus.
Mobile App
Keep a pulse on your personal and financial information by accessing key plan features right from your iOS or Android phone. Your phone travels with you, so you won’t have to worry about missing an alert when you’re on the go. And, contact our 24/7/365 Customer Care Center via phone or email with one touch.
Deceased Family Member Fraud Remediation
Helps resolve the identity theft of an enrolled family member who has passed away. After a loved one dies, the deceased’s identity may still be vulnerable to identity theft.
24/7/365 In-House Customer Care
Reach an in-house Customer Care Advocate whenever you need help. Our center has English and Spanish-speaking representatives on staff and supports over 100 additional languages. All of our advocates are certified in internet and social media safety and participate in ongoing industry training.
  1. We will require you to provide your payment information when you sign up. We will immediately charge your card the price stated for the plan and billing option you have selected. We will then charge your card the price stated for each month or year you continue your plan. You may cancel your plan at any time. We do not provide partial month refunds; however, for annual plans we will issue a refund for any fully unused month(s).

  2. Locking your Equifax credit report will prevent access to it by certain third parties. Locking your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. Entities that may still have access to your Equifax credit report include: companies like ID Watchdog, which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service; companies that provide you with a copy of your credit report or credit score, upon your request; federal, state, and local government agencies and courts in certain circumstances; companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; companies that authenticate a consumer’s identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of pre-approved offers, visit www.optoutprescreen.com.

  3. The 3-Bureau PreCheck feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Identity Rehab Corporation.

  4. The monitored network does not cover all businesses or transactions.

  5. Dark Web Monitoring scans thousands of internet sites where consumers’ personal information is suspected of being bought and sold, and is constantly adding new sites to those it searches. However, the internet addresses of these suspected internet trading sites are not published and frequently change, so there is no guarantee that ID Watchdog is able to locate and search every possible internet site where consumers’ personal information is at risk of being traded.

  6. The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.