AllClearID Review: Is it Legit? Does it Worth? Or it is Scam?

ElitePersonalFinance
Last Update: September 1, 2021 Identity Theft Companies Reviews

For those of you shopping for identity theft protection. You might look at the different companies and see that the costs are not really worth it.

Here comes AllClearID with FREE identity theft protection for you or your family.

What is AllClearID, Legit, or Scam?

AllClearID is an identity theft protection suite that offers both consumer and business protection. Formerly known as Debix, AllClearID is located in Austin, TX.

They currently have a BBB rating of A. They tout company values, such as integrity, customer service, pride, and ownership.

They believe that basic identity theft protection should be free to all people who need it. Identity theft is a huge problem for people and families, and there’s no reason they should have to pay to be alerted if someone tries to steal their identity.

But are they really practicing what they preach?

AllClearID Reviews: What Are People Saying?

On their website, they list a variety of testimonials. They rave about their service, claiming that they are all very pleased. They say that the operation is well-run.

They also express satisfaction in the voice-detection service used for contacting support.

However, we must look at the critical reviews to determine whether the service is truly worth it.

One of the biggest concerns is how, compared to other services, AllClearID is not as comprehensive in its monitoring. It only monitors basic credit information and does not look at public records, medical insurance information, criminal records, or sex offender registries. Therefore, it does not protect against all types of identity theft or help all circumstances.

Since $15/month is standard for many types of protection offered by many top companies, one would generally expect a little more than what they offer.

However, you should not read these reviews and form your opinion entirely on them. We have compiled the complete list of features that this company offers for its different packages.

AllClearID Basic: FREE Identity Theft Protection

AllClearID Basic package is not advertised on their website. However, you can sign up for it through the website, and it is straightforward.

Go to the AllClearID website, click “Sign Up,” and switch the “Pro” package to “Basic.” There, you will see that it costs $0.00 per month.

However, the free package only includes identity theft repair and restoration: it does not include fraud detection, credit monitoring, alerts, or immediate support. It also does not include any insurance. Any out-of-pocket costs with the repair will have to be paid.

You should get this package if you want protection from identity theft and an option to restore it if you end up getting it stolen.

Otherwise, getting more comprehensive paid packages is recommended, especially if you feel like you have something to lose.

AllClearID Plus: The Essential Package

AllClearID Plus is not available to order on their website. It is only available from affiliates and businesses that offer it to their employees.

However, this package is reasonably comprehensive and offers a few different protection options, such as:

  • Fraud Detection. If someone tries to take out a loan in your name, you will be alerted to suspicious activity.
  • Phone Alerts. You can get these alerts even on the go. They’ve promised to be safe and secure, as well.
  • Immediate Support. You will be able to get support right away simply by picking up the phone.
  • $1 Million Identity Theft Insurance. You will be allowed $1 million in coverage for out-of-pocket costs associated with identity theft restoration.

As stated before, this package is only offered by businesses and not by AllClearID directly. You might get this type of protection if you bought a larger package from a different company, or you might get it from your employer. Typically you will not be paying upfront for this.

However, there is a better package, at a reasonable cost, that can be purchased directly.

AllClearID Pro: $14.95/month Comprehensive Package

Unlike AllClearID Plus, you can get this package directly from the AllClearID website.

This package offers a bit extra than the AllClearID Plus package, but the extra offerings make all the difference.

These offerings, in addition to everything the Plus package has, are:

  • Credit Monitoring. If there’s any suspicious activity on your credit report, they will notify you of the activity.
  • Lost Wallet Protection. If you lose your wallet, AllClearID can help speed up the process of protecting your credit cards and health cards from being used.

AllClearID vs. LifeLock

Lifelock is one of the top recommended identity theft protection companies, rated typically either #1. They specialize in offering very comprehensive services for a cost that anyone can afford.

They have three packages: $10/month, $20/month, and $30/month.

So, what’s the same between the $10/month LifeLock package and the $15/mo AllClearID package?

  • $1 Million ID Theft Insurance. Both companies offer to pay out-of-pocket expenses totaling up to $1 million.
  • Identity Restoration Support. Both companies promise to help restore a stolen identity.
  • Lost Wallet Protection. Both companies will help you cancel your credit cards and prevent harmful info from being stolen.
  • Alerts. Both companies will alert you in case of potential problems.
  • Immediate Support.

What extra does AllClearID offer?

  • Credit Monitoring. AllClearID will monitor credit score activity at all 3 bureaus. LifeLock offers this, but only in their $20/month package.

What extra does LifeLock offer?

  • Reduced Pre-Approved Credit Cards. LifeLock will help you stop those annoying pre-approved card offers and prevent mail thieves from accessing sensitive information. AllClearID does not do this, either.

It is easily shown that the $10 package alone is far more comprehensive than AllClearID $15 package.

AllClearID vs. IdentityGuard

IdentityGuard is another top identity theft protection service provider. Their recommended suite is $20/month, which is $5/month over AllClearID. However, they have a $10/month service called IdentityGuard Essentials.

So, what do both companies offer? Let’s compare AllClearID Pro to IdentityGuard Essentials.

  • $1 Million ID Theft Insurance.
  • Identity Restoration Support.
  • Lost Wallet Protection.
  • Alerts.
  • Immediate Support.

IdentityGuard basic packages offer almost the same things as AllClearID best package! AllClearID offers credit monitoring, which IG does not.

However, IG offers these features (and for only $10/month):

  • Victim Assistance. They will do their best to lower the stress of a stolen identity and help you through a troubling time.
  • Account Takeover Alerts. They will notify you if someone tries to pose as you at a bank to access your bank and change your information.
  • Black Market Monitoring.
  • SSN Monitoring. They will monitor activity on your SSN, which AllClearID will not do. This is quite important!

As you can see, IG remains a better bet than AllClearID, and it is $5 per month cheaper!

Should I Get Free Identity Theft Protection?

Free identity theft protection is right for you if:

  • You are a student and do not have an extensive credit history or a large budget.
  • You do not want to pay for the added protection services and prefer to resolve the issues yourself.

It is tough to beat ‘free.’ However, for just $10/month extra, you could have more peace of mind and be reassured that your identity, in case of being stolen, is safe, along with your assets and your credit reputation.

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