10 Best Identity Theft Protection Consumer Reports 2019 – Top Rated

Welcome to the CNET 2019 directory of ID monitoring services. Herein, we’ve compared the top identity-monitoring services, which can help you protect your identity, as well as assist you in recovering if you’ve experienced identity theft.

Unfortunately, you may need one of these services soon, if you don’t already. That’s because identity theft is a huge and growing problem, with more enormous data breaches hitting with increasing regularity. In 2016 alone, there were more than 15 million US identity fraud cases, with Americans losing more than $16 billion.

Top 10 Identity Theft Protection

Bestseller No. 1
Miseyo Wide Identity Theft Protection Roller Stamp - Yellow (3 Refill Ink Included)
3102 Reviews
Miseyo Wide Identity Theft Protection Roller Stamp - Yellow (3 Refill Ink Included)
  • Great Alternative to A Shredder: Paper can be recycled after using roller stamp, no need for a shredder.
  • Wide Coverage and Adjustable Length: The 1.5 inches wide roller is perfect for covering large swaths of...
Bestseller No. 2
Vantamo Identity Theft Protection Roller Stamp Wide Kit, Including 3-Pack Refills - 2017 Design for...
486 Reviews
Vantamo Identity Theft Protection Roller Stamp Wide Kit, Including 3-Pack Refills - 2017 Design for...
  • ✔EASY TO USE! - Upgrade to the highest quality stamp, just remove the cover and swipe your information, the...
  • ✔REFILL PACK - 3 Free refills included $6.99 Value! Don't run out when you need it the most. The ink is...
Bestseller No. 3
Guard Your ID ADVANCED Roller Identity Theft Prevention Security Stamp GREEN (38311)
827 Reviews
Guard Your ID ADVANCED Roller Identity Theft Prevention Security Stamp GREEN (38311)
  • EASY TO USE: Quickly stamp over your personal information you want to conceal. The advanced roller cartridge...
  • IT WORKS!: Unique designed patent pattern combined with the formulated ink works on paper surfaces and will...
Bestseller No. 4
Ompla Identity Theft Data Protection Roller Stamp - Includes 6 Ink Refills
56 Reviews
Ompla Identity Theft Data Protection Roller Stamp - Includes 6 Ink Refills
  • Great Alternative to A Shredder: Paper can be recycled after using roller stamp, no need for a shredder.
  • Wide Coverage and Adjustable Length: The 1.5 inches wide roller is perfect for covering large swaths of...
Bestseller No. 5
Azumic Confidential Address Blocker Anti Prevention Identity Theft Protection Roller Stamp 6 Pack...
943 Reviews
Azumic Confidential Address Blocker Anti Prevention Identity Theft Protection Roller Stamp 6 Pack...
  • IDENTITY THEFT PROTECTION SOLUTION: Our upgraded version roller stamp is uniquely designed to cover sensitive...
  • SAVE TIME: the 1.5 inches wide coverage area with adjustable length made swiping easy and fast. The ink dries...
Bestseller No. 6
Vantamo Identity Theft Protection Roller Stamp Wide Kit, Including 3-Pack Refills + Free E-Book -...
915 Reviews
Vantamo Identity Theft Protection Roller Stamp Wide Kit, Including 3-Pack Refills + Free E-Book -...
  • ✔EASY TO USE! - Upgrade to the highest quality stamp, just remove the cover and swipe your information, the...
  • ✔REFILL PACK - 3 Free refills included $6.99 Value! Don't run out when you need it the most. The ink is...
Bestseller No. 7
ExcelMark Identity Theft Protection Stamp - Privacy Protection at Your Fingertips Anti Theft Roller...
574 Reviews
ExcelMark Identity Theft Protection Stamp - Privacy Protection at Your Fingertips Anti Theft Roller...
  • EASY TO USE: This identity theft protection stamp eliminates the need for a noisy and expensive shredder, or...
  • MULTIPLE USES: Perfect for prescription bottles, bills, credit card offers, bank statements, tax returns,...
Bestseller No. 8
18 RFID Blocking Sleeves (14 Credit Card Holders & 4 Passport Protectors) Ultimate Premium Identity...
2957 Reviews
18 RFID Blocking Sleeves (14 Credit Card Holders & 4 Passport Protectors) Ultimate Premium Identity...
  • ✓ ESSENTIAL FOR THE MODERN DAY: Protect yourself from data thieves who skim & steal your personal...

  • ✓ SECURE YOUR INFORMATION: US GOVT. FIPS 201 Approved. Protects credit cards, debit & ATM cards,...

Bestseller No. 9
Identity Protection Roller Stamp LioNergy Wide Roller Identity Theft Prevention Security Stamp (Red...
176 Reviews
Identity Protection Roller Stamp LioNergy Wide Roller Identity Theft Prevention Security Stamp (Red...
  • EFFECTIVE PRIVACY PROTECTION: Security protection roller stamps with special letters design, printing hidden...
  • WIDE COVERAGE DESIGN: The 0.67 inches wide roller is perfect for covering large swaths of private information...
Bestseller No. 10
Guard Your ID 38425 Plus Mini Roller Stamp, White
226 Reviews
Guard Your ID 38425 Plus Mini Roller Stamp, White
  • Helps prevent identity theft by permanently blocking out addresses, account numbers etc
  • 3/4 inches wide encrypted pattern in combination with oil based ink penetrates non-glossy papers so personal...

Identity theft: What you need to know

These are some key things to keep in mind about ID monitoring services.

Early detection is the key. If you’re signing up for one of these services, it’s less about preventing the initial breach — that’s somewhat out of your hands, unfortunately. Instead, it’s about getting a heads-up as soon as possible. Whether your credit cards have charges on them you never incurred, or you suddenly discover that loan collectors are trying to collect from you amounts you never borrowed, thanks to someone halfway across the country — or halfway around the world — who opened a credit card or applied for a loan in your name, seeing the illicit activity early on is the name of the game. The scary fact is that these breaches can cost you a lot of money.

Knowing how your personal identity information is being used is a big step to keeping yourself safe. There are services that can help you monitor your information, get notified if your accounts and information are being misused, and even get you reimbursement after the fact.

None of these services will monitor your actual banking activity. I have long recommended a way to protect yourself from most banking fraud, which is to examine all your accounts once a week. It’s a bit of a pain, but just in my family, we’ve found numerous fraudulent charges over the years. By doing this practice regularly, we’ve saved thousands of dollars. Consumer Reports recommends you do all your own monitoring, too.

That said if you’re not the type of person who is willing or able to take the time to do the constant due diligence necessary to protect your identity, some of these services can help.

Read the fine print. Finally, because each of these services offers vastly different terms and conditions, we’ve included an easy link to each company’s terms of service. Be sure to take the time to read all of their fine print before you sign up for another monthly or yearly fee.

How We Chose the Best Identity Theft Protection Services

Credit reports from all three bureaus

Credit reports are crucial to your financial reputation — they’re what lenders use to decide whether to offer you a loan, they affect mortgage rates and car purchasing, and they even determine whether your internet provider requires an application fee. They’re also how many people first learn they’ve been scammed.

Services that monitor how your personal info is being used online

Not all types of fraud appear on your credit reports. If someone has access to your Social Security or driver’s license numbers, your bank details, or your medical insurance ID, they can steal from your existing accounts by masquerading as you — meaning there will be nothing to report to the bureaus. (A payday loan, for example, requires no credit check and will only appear on your credit reports after it goes to collection.)

  • Court records
  • Payday loan sites
  • “Black market” sites where thieves buy and sell identifying details
  • The National Change of Address Database

Alerts via text, email, phone call

If your credit or identity monitoring service spots something fishy, how does it let you know? We eliminated providers that didn’t offer both email and text notifications, along with 24/7 phone availability. If we received an alert and had questions about what it meant, we would want to know that we could quickly get ahold of a customer service rep to explain the issue and walk us through next steps. Credit protection services are only as good as their ability to communicate and act.

Legal support toward reclaiming your identity

In 2014, the Federal Trade Commission estimated that the average identity theft victim spent more than 200 hours across 18 months resolving their issues with credit-reporting agencies. Any good identity theft protection service can contact creditors, employers, and law enforcement agencies on your behalf. This requires a temporary power of attorney.

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