ID Watchdog

ID Watchdog is a comprehensive identity theft and credit monitoring service. It works to stop and resolve fraudulent actions to minimize long-term financial and reputational damage.
Updated Apr 28, 2021

What Sets ID Watchdog Apart?

ID Watchdog was formed in 2005 by a group of credit professionals who saw the need for an ID Theft product to help protect consumers against the growing number of thieves seeking to commit fraud. In 2017, ID Watchdog was acquired by Equifax Inc. One of the features that sets ID Watchdog apart from other credit and identity theft monitoring services is the use of two-factor authentication (2FA). This security precaution adds a layer of protection on top of your master password to confirm that it’s in fact you attempting to login.

Critical information like Social Security numbers, criminal records and National Provider IDs are monitored 24/7 by Certified Identity Theft Risk Management Specialists (CITRMS) who are immediately available to help you restore your identity in the event of a breach. Offering up to $1 million in reimbursement for expenses, time and other losses related to identity theft, this company guarantees payment in the case that theft occurred while using their services. ID Watchdog offers two plans you can choose from: Plus ($14/95 per month) and Platinum ($19.95 per month). Learn more about the features and benefits you can get with an ID Watchdog membership.


  • Owned by major credit bureau, Equifax
  • Up to $1 million in ID theft insurance
  • Access to credit locking


  • Free trial not specified on website

Top 3 ID Watchdog Features

  • Stolen Funds and Expense Reimbursement

    Equifax is one of the nation’s top credit reporting agencies and is trusted by many banks nationally. You can rest assured that you’re getting excellent protection and service.

  • Tri-Bureau Credit Monitoring and Reports

    Have your credit monitored across all three major bureaus with access to annual reports.

  • Credit Locking

    Lock one or multiple credit reports, depending on your plan, to prevent criminals from opening new accounts in your name.

ID Watchdog Plans

  • Plus

    Starting at

    Our Take

    ID Watchdog Plus combines identity and credit monitoring in its basic plan. From dark web monitoring to single-bureau credit monitoring and freezing, you’ll have access to the services and tools you need to protect your identity. Additional features you’ll find include lost wallet protection, social media alerts, and membership for a second adult and up to four children. ID Watchdog Plus costs $14.95 per month for individuals and $25.95 per month for families. An annual subscription is available as well.

    Package Features

    • Single-bureau credit report monitoring
    • Up to $1 million in coverage
    • Lost wallet protection
    • Dark web monitoring
    • Public records monitoring
    • Change of address monitoring
    • High-risk transactions monitoring
    • Subprime loan monitoring
    • Single-bureau credit report locking
    • Credit freezing
    • Social media alerts
    • Sex offender reports
    • Equifax child credit locking
    • Add a second adult and up to four children
    • And much more
  • Platinum

    Starting at

    Our Take

    Get all of the features in ID Watchdog Plus and more to include tri-bureau credit report monitoring, credit score tracking, 401(k) stolen funds reimbursement, and more. ID Watchdog Premium costs $19.95 per month for individuals and $34.95 per month for families. You can also purchase an annual subscription instead.

    Package Features

    • All features in ID Watchdog Plus
    • Tri-bureau credit report monitoring
    • Credit reports and VantageScores — 1 bureau daily and all 3 annually
    • Credit score tracking for 1 bureau
    • Financial accounts monitoring
    • 401(k) stolen funds reimbursement
    • And much more

Compare ID Watchdog Plans


Learn more
Starting price
ID Theft Insurance Limit
$1 million$1 million
Dark Web Monitoring
SSN Monitoring
Credit Report Locking
Lost Wallet Assistance
Identity Restoration Assistance
Tri-Bureau Credit Monitoring & Reports
401(k) Stolen Funds Reimbursement

Why We Recommend ID Watchdog Plus

We recommend ID Watchdog Plus for access to essential services and security for your identity like dark web monitoring, single-bureau credit monitoring, SSN monitoring, and notifications. ID Watchdog’s Platinum Plan tacks on additional services, like 401(k) stolen funds reimbursement and daily credit score reporting. Those features aren’t the most necessary for those looking for basic protection services. For that reason, we think the Plus Plan provides good value for the price.

Frequently Asked Questions About ID Watchdog

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