ID Resolve Review 2024: An Identity Theft Protection Service that Falls Short

ID Resolve is billed as a complete identity monitoring system; we found it met some expectations while falling short on others — chiefly, the full functionality of features.
4.0
Editorial Rating
Learn More
On ID Resolve's website

ID Resolve
  • Includes extras like cash advance
  • Offers personalized scam assistance
  • Plans don't cover children or dependents
We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

ID Resolve is an identity protection service that does some things right, but we had a major issue trying to get our credit monitoring active. After speaking with customer service, we still had no luck. The other features offered, like email and identity monitoring, worked well for us. Since credit monitoring is a huge part of identity theft protection services, the inability to access that feature means we would likely not use this service.

But you may have a different experience. If the features and functionality listed below meet all of your requirements, ID Resolve could work for you. If they don’t, we’ve given you great ID theft protection alternatives and some helpful guides to find the best solution.

In this article
ID Resolve review at a glance
What does ID Resolve protect against?
ID Resolve prices and subscriptions
ID Resolve features
Our experience with ID Resolve
Does ID Resolve keep your data safe?
ID Resolve compatibility
ID Resolve customer support
ID Resolve alternatives
ID Resolve FAQs
Bottom line: Is ID Resolve a good identity theft protection service?

ID Resolve review at a glance

Price $8.25-$9.92/mo
Identity theft insurance Up to $1 million
Credit monitoring Yes
Credit reports Yes
Credit score Yes
Identity recovery Yes
Dark web alerts No
Social media account alerts No
Details Get ID Resolve

ID Resolve is definitely a plan for adults who are single or in a relationship but don’t have or don’t want to cover kids. Also, because ID Resolve lacks features like dark web alerts and social media monitoring, we wouldn’t suggest it for a vlogger or influencer who has a lot of their identity online. It’s more for people who want a variety of protection, as well as situational backup, and who aren’t interested in navigating ID theft losses alone.

The $500 emergency cash advance could help you out if you find your credit card hacked and you have no immediate access to your bank. That’s a unique feature we haven’t seen with other ID theft protection companies, and we wish more competitors included it.

Since so many other ID theft protection services become pricey quickly, we appreciate that ID Resolve falls into a moderate price range. Even the most expensive tier, ID Resolve 360 for Individual + Spouse, is realistically priced at $18.25/mo.

ID Resolve pros and cons

Pros
  • Offers extras like cash advance
  • Personalized scam assistance
  • Provides resources for child fraud alerts
Cons
  • Must wait 48 hours to activate your account
  • Doesn’t cover kids

What does ID Resolve protect against?

ID Resolve 360 helps you prevent identity theft as well as provides you with resources to check for scams. We were impressed with the ScamAssist® feature, where you get personalized assistance in identifying a variety of scams on your phone, texts, social media accounts, email, and more. We’re constantly helping our older relatives increase their scam awareness, and this would be an amazing resource where they could check every time they’re concerned they may be getting scammed.

All the areas ID Resolves protects:

  • Social Security number
  • Addresses
  • Email addresses
  • Phone numbers
  • Financial accounts
  • Frequent flyer cards
  • Social media accounts

ID Resolve prices and subscriptions

ID Resolve offers two different protection options (Individual or Individual + Spouse) at two different levels (ID Resolve and ID Resolve 360). So there are technically four plans you could purchase. Each plan offers a different price point that’s reasonable, with ID Resolve 360 for Individual + Spouse maxing out at $18.25/mo.

The extra features you get with ID Resolve 360, including an email health checker and opt-out services for pre-approvals, aren’t something you see with every ID protection service. The email health checker lets you know if your email address was compromised in a recent data breach. It’s because of these unique extras that we would choose this plan if ID Resolve were the service we were using. It’s definitely worth the few dollars extra for those useful additions.

ID Resolve plans comparison

Plan ID Resolve Individual ID Resolve Individual + Spouse
Price per month $8.25/mo $9.92/mo
Price per year $99/yr $119/yr
Who’s covered 1 adult 2 adults
Identity theft insurance Up to $1 million Up to $1 million
Credit monitoring
Financial activity alerts
Credit reports Yes — Equifax, Experian, TransUnion Yes — Equifax, Experian, TransUnion
Credit score
FICO score
Credit lock and freeze
Identity recovery
Dark web alerts
Social media account alerts
Social Security number monitoring
Home title monitoring
USPS address change alerts
Details View Plan View Plan

We couldn’t find any information on refunds or trials for ID Resolve, so you may want to try a monthly subscription before committing to a full year.

ID Resolve features

ID Resolve offers standard features like credit and financial account monitoring as well as fraud alerts. It also has some unique features like an email health checker and scam assist. It even offers cash advances if you suffer an identity theft while abroad and find yourself locked out of your credit or debit cards.

Credit monitoring

The credit monitoring feature is supposed to watch anything related to your Social Security number. That means if there are any data breaches and your Social Security number is up for sale on the dark web, monitoring services can alert you right away. ID Resolve is supposed to provide alerts by having you enter your information and then verify your SSN. Since we were unable to get this feature to work for us, we can only relay the information provided on ID Resolve’s website.

ID Resolve error when activating credit services

Credit reports and credit scores

Identity theft protection services monitor monthly credit reports from the three major credit bureaus — Equifax, Experian, and TransUnion — to provide you with up-to-date credit reporting.

Your credit score is used to determine if you can get a loan for new things like a car or a home, but it also determines how much you pay for those items. A lower credit score means you’ll be paying higher interest rates for purchases. It could also stop you from being able to purchase a home or rent an apartment. Keeping an eye on your credit will help you understand your buying potential and if you’ll be accepted or rejected for that purchase. In tandem, credit bureau monitoring can help you prevent identity theft.

A VantageScore between 661 and 780 is considered good and will generally make getting a loan easier.

ID Resolve identity protection monitoring items dashboard

ID Resolve identity protection monitoring dashboard

Identity monitoring

ID Resolve’s identity monitoring dashboard covers a variety of different accounts and services. The categories include Essentials, Financial Well-Being, Identity, Cards and Documents, and Insurance Documents. Within these categories, you have everything from medical insurance monitoring to scanning your IP address for fraud. If ID Resolve does come across something of concern, its alerts center will let you know when it happened and where.

ID Resolve identity protection dashboard alerts

ID Resolve Alert Details prompt

Identity restoration services

If you do become the victim of identity theft, ID Resolve says it will work with you and other agencies to make sure your name is restored. While there’s no dedicated section in the dashboard for these services, you can reach out to customer support for assistance. We suggest going to the help section and calling the number listed to make sure you’re getting the fastest service possible.

Our experience with ID Resolve

We have reviewed a lot of identity theft protection products, and this one threw us at the start. Normally there’s a grace period where the service collects data about you from around the internet, but ID Resolve actually wouldn’t even let us activate our account for the first 48 hours. That was definitely a different experience. Once we were in our account, we were completely unable to set up credit monitoring. We actually tried so many times to activate this feature that, eventually, the service told us we were no longer allowed to try.

ID Resolve activate credit services max attempt error

Otherwise, all of the other features we tried worked quite well. The email scanners picked up a variety of issues with our email address. The identity monitoring features within that dashboard were easy to use. We played around with everything, but the ScamAssist® was one of the features that impressed us the most. It allowed us to choose the category of the potential scam, asked us a few questions, and then encouraged us to contact support to check if we were experiencing a scam.

ID Resolve scam list

There was a decent amount of setup to do by entering all our personal information, like our social media handles and our gamer tags. We appreciated those additional features within the identity monitoring dashboard as they aren’t always offered.

ID Resolve identity, cards, and documents dashboard

In tandem, credit bureau monitoring and monthly credit score tracking can help you prevent identity theft.

ID Resolve identity monitoring and financial wellness dashboard

Unfortunately, one of the features that isn’t offered is child identity theft protection. Although ID Resolve doesn’t monitor a child’s credit, it will send you in the right direction to put alerts or freezes on a child’s credit through the three major credit bureaus.

ID Resolve child fraud alerts and credit freezes info

Overall, we were pleased with ID Resolve’s offerings but still found setting up credit monitoring to be cumbersome.

Does ID Resolve keep your data safe?

ID Resolve’s privacy policy was standard and in accessible language. We didn’t see any mention of ID Resolve sharing our personally identifiable information with third parties for the purposes of marketing or “advancing interests,” which is something you may see in some privacy policies. Overall, this is a solid privacy policy.

ID Resolve does use two-factor authentication (2FA) for adding and deleting data, as well as for the initial login and a few other features. We found it easy to use but would have preferred the 2FA every time we logged in, considering how much private data is contained within our dashboard.

ID Resolve compatibility

ID Resolve worked on our Mac and PC, but we didn’t see an app in the Apple Store or Google Play store. This is a little disappointing. While we were able to log in via our Safari browser on our iPhone, functionality is always a little better through a secured app.

ID Resolve customer support

We did need to reach out to customer support because we weren’t able to set up the credit monitoring feature. We decided to call and found the menu didn’t actually cover our issue. We had to press a lot of options to get through to the hold line.

After several minutes we were given the same message that every call center gives — that ID Resolve was experiencing high call volumes. After 7 minutes on hold, we were sent to a live agent who then placed us back on hold to check our account. The support guide tried resetting our ability to sign up for credit monitoring, but it didn’t work. He then told us maybe we should try hardwiring our computer into our router, which wasn’t really doable on a MacBook without specialized cables and converters. Overall, we found phone support to be completely unhelpful.

ID Resolve customer support contact page
ID Resolve's support page

ID Resolve alternatives

ID Resolve might not have all the features and functions you’re looking for in an identity theft protection solution, so we’ve given you a few more of our favorites to check out. We think the best identity theft protection includes a variety of features for everyone. Whether you’re looking to protect yourself or your entire brood, there’s a product that will likely check your boxes.

  • Aura: Aura offers a robust identity monitoring solution with plans for individuals, couples, and families. Aura monitors your SSN, auto, and home titles, criminal and court records, along with your financial transactions. It also offers several additional features, including antivirus software, a virtual private network (VPN), and a password manager. Members who subscribe to an annual plan are eligible for a 60-day money-back guarantee.

    Get Aura | Read Aura Review

  • Norton LifeLock: LifeLock by Norton provides the most extensive identity theft insurance, offering anywhere from $1.05 million to $3 million, depending on your plan. LifeLock also monitors your identity in several different ways, including social media monitoring, home title, crime alerts, and investment account activity. Norton also offers a 60-day money-back guarantee for first-time annual subscribers. See how ID Resolve compares in our ID Resolve vs. LifeLock review.

    Get Norton LifeLock | Read Norton LifeLock Review
  • Identity Guard: Identity Guard is owned by Aura but includes different pricing and offerings that can cover any budget. The family plans cover up to five adults and unlimited children, allowing you to prevent child identity theft as well. First-time annual subscribers can also take advantage of the 60-day money-back guarantee.

    Get Identity Guard | Read Identity Guard Review

ID Resolve FAQs


+

Is ID Resolve worth it?

ID Resolve is a useful service with a few hiccups. We didn’t love that we couldn’t access the service immediately and had to wait 48 hours to log in. We also really disliked the customer service options. Our choices consisted of waiting for an email or spending time navigating an automated menu and then being kept on hold. Other than that, we found the service to be useful and included interesting features like monitoring our gamer tags.


+

Does ID Resolve offer a free trial?

Identity theft protection services typically do not offer a no-money upfront free trial, but you can take advantage of money-back guarantees to test drive an identity protection plan risk-free. Many identity theft protection companies offer a 60-day money-back guarantee for members who purchase an annual subscription. Unfortunately, there is no indication of a money-back guarantee offer on the ID Resolve website.


+

What is the ID Resolve program?

ID Resolve is an identity theft protection program. It monitors your personal information as well as your credit and social media accounts. Identity theft monitoring helps protect you from identity theft and scams. The identity protection plan comes in two levels (ID Resolve and ID Resolve 360) and can be purchased for individuals or couples. ID Resolve does not cover children’s identity theft protection.


+

What is the NRA ID Resolve program?

NRA endorses the ID Resolve program, but ID Resolve is not owned or operated by the NRA. The NRA doesn’t give any specific reason why it endorses ID Resolve over other services, but it is listed on the NRA’s recommended products website.


+

Is it worth getting identity theft protection?

Identity theft protection is always worth it. Identity theft is on the rise, and experts estimate there’s a new victim every 22 seconds. The internet has made it easier than ever for criminals to inflict a variety of identity theft scams, so why not use the same technology to protect yourself? Follow best practices to safeguard your identity and prevent identity theft.


+

Who does Dave Ramsey recommend for identity theft protection?

Dave Ramsey has certified Zander Insurance as RamseyTrusted and says it’s the only company the team recommends. We believe there are a variety of quality identity theft protection options available and would hesitate to endorse only one source. Identity theft protection features differ from product to product, and no one product offers a one-size-fits-all kind of protection.

Bottom line: Is ID Resolve a good identity theft protection service?

The features on ID Resolve that did work were very effective, but we found it impossible to sign up for credit monitoring, and the customer service team was not helpful. Overall, we would recommend that if you want to try this product for yourself, you could sign up for a month. If you don’t think you want the hassle but do want credit monitoring, try a different product. We’ve created an ID theft and credit monitoring guide that can help you choose the right product for you.

Whatever you decide, ID theft protection is worth it. Up to $1 million in identity theft reimbursement is the real deal. Like car insurance, it’s the kind of product that when you need it, you really need it.

4.0
Editorial Rating
Learn More
On ID Resolve's website
ID Resolve
  • Includes extras like cash advance
  • Offers personalized scam assistance
  • Plans don't cover children or dependents
Author Details
Mary lives in Los Angeles and has been a cybersecurity writer for over five years. With a B.S. in Liberal Arts from Clarion University and an M.F.A. in Creative Writing from Point Park University in Pittsburgh, her career in online security began in sales and content creation for a private cybersecurity firm.