Identity theft protection services

Based on our three months of testing, which involved signing up and paying for each service, bothering their customer-support representatives and putting personal information into their credit-score simulators, we've concluded that the best identity theft protection service, for the second year in a row, is IdentityForce UltraSecure+Credit.

IdentityForce UltraSecure+Credit offers the best all-around coverage, with comprehensive monitoring of your financial activity and personal information, and quarterly updates of your credit scores and reports from all three credit bureaus. 

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Alone among the services we reviewed, it offers two-factor authentication to protect your account. The only thing IdentityForce lacked was investment-account monitoring, and that's now been added as well.

LifeLock Ultimate Plus had the best interface, provided the most comprehensive monitoring of personal accounts and lets you initiate a credit freeze straight from your account. 

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