Comprehensive identity theft protection monitoring all three credit bureaus, dark web, and financial accounts — with $1 million insurance and dedicated fraud resolution specialists.
Key features
3-bureau credit monitoring
Dark web surveillance
$1M identity theft insurance
Dedicated fraud specialist
Real-time alerts
Best for
Seniors who want comprehensive identity protection from one of the three major credit bureaus.
Worth knowing
Monitoring detects fraud after it happens — it does not prevent it. Freeze your credit for the strongest protection.
Direct credit monitoring service from TransUnion — one of the three major credit bureaus — with instant alerts for new accounts, hard inquiries, and score changes.
Key features
Daily credit score updates
Instant new account alerts
Direct bureau dispute tool
Identity theft insurance
Simple interface
Best for
Seniors who want simple, direct credit monitoring with easy dispute resolution.
Worth knowing
Only monitors your TransUnion credit file — does not cover Equifax or Experian, which may also hold inaccuracies.
Account transaction alerts (text or email for every charge), credit monitoring services, a credit freeze at all three bureaus (free to place and lift), and two-factor authentication on financial accounts provide the strongest combination of protection. Annual free credit reports from AnnualCreditReport.com let you spot unfamiliar accounts.
Designate a trusted contact at financial institutions (they are notified of suspicious activity without having account access), set up shared read-only account access so you can monitor transactions, establish a code word for calls that seem suspicious, and have open conversations about common scams before they happen — not after.
No. A credit freeze prevents any new credit from being opened in your name — the strongest protection against new account fraud. A fraud alert is a weaker flag asking lenders to verify identity before opening accounts. A freeze is free, can be lifted temporarily when needed, and is the preferred option for anyone at elevated fraud risk.
Place a credit freeze immediately with all three credit bureaus. Contact your financial institutions to cancel compromised accounts. File a report with the FTC at IdentityTheft.gov (which generates a recovery plan). File a police report if significant money was lost. Keep records of everything — these are needed for recovery and insurance claims.
