IdentityIQ
- Price
- $1.00 for the first 7 days, then $29.86/mo
- Plan
- Secure Preferred+
- Note
- Terms as of Oct 29, 2026, from IdentityIQ's offer page. After 7 days you're charged $29.86 a month until you cancel. Cancel by phone at 877-875-IDIQ (4347). Refund policy not published; check before subscribing.
Quick answer
- IdentityIQ sells paid credit and identity monitoring. Secure Preferred+ is listed at $1.00 for the first 7 days, then $29.86/mo (IdentityIQ offer page, viewed Oct 29, 2026).
- It includes Experian, Equifax and TransUnion reports and scores you can refresh every 30 days, plus 3-bureau daily monitoring and alerts (IdentityIQ).
- Free first: you can check all three reports every week at AnnualCreditReport.com, and freezes are free (FTC).
What it is
IdentityIQ is a paid credit and identity monitoring service. Its Secure Preferred+ plan is the one we link to below.
What Secure Preferred+ includes
As listed on IdentityIQ’s own offer page (accessed 10/29/2026):
- Experian, Equifax and TransUnion reports and scores, which “can be refreshed every 30 days”
- 3-bureau daily monitoring and alerts
- ScoreCasterIQ, which IdentityIQ says shows “the impact each credit account has on their score” and suggests actions
- Dark web monitoring
- IdentityIQ’s offer page advertises “$1,000,000 Identity Theft Insurance” with an asterisk, but the footnote’s terms weren’t shown on the page we reviewed. Check IdentityIQ’s plan terms for what’s covered before relying on it. (Source: IdentityIQ offer page for offer 4313014W, viewed Oct 29, 2026; capture idiq-landing-4313014W-2026-10-29.png.)
Price
$1.00 for the first 7 days, then $29.86/mo (Secure Preferred+; IdentityIQ offer page, viewed Oct 29, 2026). That is above the “few dollars a month to over $15 per month” range the CFPB gives for identity monitoring. The CFPB also says to check any trial for “hidden trial periods, fees, or cancellation requirements.”
How to cancel
IdentityIQ’s FAQ says you can cancel by calling Customer Care at 877-875-IDIQ (4347) during business hours or, “where available,” with the cancel button in your member dashboard (checked 10/29/2026). Verify the current steps on identityiq.com before you sign up, and cancel before day 7 if you don’t want the monthly plan.
Pros and cons
Pros
- All three bureaus: reports, scores and daily monitoring in one place
- Score tool (ScoreCasterIQ) to see what affects your score
- Low-cost 7-day trial
Cons
- $29.86/mo after the trial, more than many plans
- Trial converts to paid unless you cancel
- Monitoring alerts you after a change shows up; it doesn’t stop fraud (FTC)
Free options to try first
- Free weekly reports from all three bureaus at AnnualCreditReport.com (FTC)
- Free credit freezes and fraud alerts at each bureau (FTC)
- More: free ways to check your credit
Want it anyway?
IdentityIQ
- Price
- $1.00 for the first 7 days, then $29.86/mo
- Plan
- Secure Preferred+
- Note
- Terms as of Oct 29, 2026, from IdentityIQ's offer page. After 7 days you're charged $29.86 a month until you cancel. Cancel by phone at 877-875-IDIQ (4347). Refund policy not published; check before subscribing.
See all credit monitoring services we list.
How we research and compare products
General information, not financial advice. Moneysilk is not a credit bureau and does not offer credit repair.
Sources
- IdentityIQ's offer page advertises "$1,000,000 Identity Theft Insurance" with an asterisk, but the footnote's terms weren't shown on the page we reviewed. Check IdentityIQ's plan terms for what's covered before relying on it. (IdentityIQ offer page for offer 4313014W, viewed Oct 29, 2026; capture idiq-landing-4313014W-2026-10-29.png), IdentityIQ (accessed October 29, 2026)
- Secure Preferred+ offer page (price and features), IdentityIQ (accessed October 29, 2026)
- IdentityIQ FAQ: How do I cancel IdentityIQ?, IdentityIQ (accessed October 29, 2026)
- Free Credit Reports, Federal Trade Commission (accessed October 29, 2026)
- What To Know About Identity Theft, Federal Trade Commission (accessed October 29, 2026)
- What is identity monitoring or identity theft service?, Consumer Financial Protection Bureau (accessed October 29, 2026)
General information only; not financial, legal or tax advice. Moneysilk is not a lender and does not make credit decisions. Read our editorial standards and corrections policy.