Monitor & Detect

By monitoring your credit and billions of data points, we help keep you informed of changes and activity related to your personal information.

What You Need to Know:

The credit scores provided are based on the VantageScore® 3.0 model. For three-bureau VantageScore credit scores, data from Equifax, Experian, and TransUnion are used respectively. Any one-bureau VantageScore uses Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.

Identity Insight = Greater Peace of Mind
Monitor & Detect Feature Descriptions (feature availability varies by plan)
Credit Report Monitoring1

Monitors your credit report from one or all three nationwide credit bureaus (Equifax®, TransUnion®, Experian®)  depending on your plan and provides alerts of activity, which if unexpected, could be a sign of potential fraud.

Equifax Child Credit Monitoring

Scans the Equifax credit database for a child’s Social Security number and alerts you if a credit file potentially exists or is created under your child’s identity. Typically, a child should not have a credit report; if they do, it could be a sign of identity theft.

Subprime Loan Monitoring2

Monitors your identity and sends an alert if we detect new specialty finance activity in the monitored network using your identity including payday, subprime, high-cost installment, rent-to-own, and other loans outside of the traditional banking system.  

Dark Web Monitoring3

Scans websites, chat rooms, and other forums known for trafficking stolen personal and financial information for compromised credentials including Social Security numbers and email addresses. Enter additional credentials such as credit cards, bank accounts, and driver’s license to be included in the scanning.

High-Risk Transactions Monitoring2

Helps you better protect against account take overs and fraudulent new accounts opened in your name by alerting you, if we detect in the monitored network, a high-risk validation performed by a financial institution using your identity. These validations are required for new account openings, adding or changing an account holder, and other high-risk activity such as wire transfers and large withdrawals.

Data Breach Notifications

Alerts you if your personal information has been associated with a reported data breach or was detected through our dark web scans.

Credit Reports4

Depending on your plan, refresh your Equifax 1-Bureau credit report daily or monthly and get a yearly Equifax 3-Bureau credit report.

Credit Scores

Update your VantageScore® 3.0 credit score based on Equifax data daily or monthly depending on your plan. By following your credit score, you can gain insight into how it changes over time.

Credit Score Tracker

Stay up-to-date on your VantageScore® 3.0 credit score based on Equifax data with daily or monthly tracking depending on your plan. See how your credit score is trending over time.

Public Records Monitoring

Scours billions of public records and other databases including licenses and certifications to search for new names or addresses associated with your identity which, if unexpected, could be a sign of potential identity theft.

USPS Change of Address Monitoring

Monitors the United States Postal Service (USPS) National Change of Address database for addresses associated with your name and detects the rerouting of your mail to a new address in case it was done without your knowledge.

Identity Profile Report

Provides up to a 30-year look back of verified and unverified records associated with your identity to establish your baseline identity profile for future monitoring.

Javelin Identity Protection Service Provider Leader

A Leader in Detection & Prevention four years running and a two-time Leader in Resolution


Compare plans available for direct purchase from ID Watchdog.

Learn more about Consumers

Check with your employer for plan details. Learn how to help better protect yourself from fraud. 

Learn more about Employees
Brokers & Employers

Learn more about offering identity theft protection as a voluntary benefit for employees.

Learn more about Brokers & Employers
  1. Monitoring from TransUnion® and Experian® will take several days to begin.

  2. The monitored network does not cover all businesses or transactions.

  3. Dark Web Monitoring scans thousands of internet sites where consumers’ personal information is suspected of being bought and sold, and is constantly adding new sites to those it searches. However, the internet addresses of these suspected internet trading sites are not published and frequently change, so there is no guarantee that ID Watchdog is able to locate and search every possible internet site where consumers’ personal information is at risk of being traded.

  4. Under certain circumstances, access to your Equifax Credit Report may not be available as certain consumer credit files maintained by Equifax contain credit histories, multiple trade accounts, and/or an extraordinary number of inquiries of a nature that prevents or delays the delivery of your Equifax Credit Report. If a remedy for the failure is not available, the product subscription will be cancelled and a full refund will be made.