IdentityForce Review and UltraSecure Pricing from $19.90 to $39.90 a Month

IdentityForce sells two plans. UltraSecure costs $19.90 a month or $199.90 a year, starts with a 30-day trial and has no credit monitoring. UltraSecure+Credit costs $34.90 a month or $349.90 a year and adds daily TransUnion reports, three-bureau alerts and three-bureau reports every quarter, with no trial shown. Family versions cost $24.90 and $39.90. Cancelling gets you a pro-rated refund.

We read IdentityForce's pricing page and its billing FAQ on 30 September 2026, so the figures below are the company's own. IdentityForce is part of TransUnion (the footer of its site reads "TransUnion LLC"), which matters when you compare it with TransUnion's own plan. CreditPal is a credit coaching tool, not an identity theft service, and we earn nothing whichever plan you pick.

IdentityForce pricing for every plan

There are two tiers, each sold for one person or for a family. The family plans cover you, one more adult and up to 10 children under 18.

Prices are before tax, which IdentityForce adds where it applies. Paying yearly for UltraSecure+Credit saves $68.90 against twelve monthly payments, which IdentityForce rounds to "$68/yr." On UltraSecure the saving it quotes is "$19 your first year," because the first month of the monthly plan is covered by the trial.

The 30-day trial is only on the plan without credit monitoring

This is the detail most IdentityForce reviews do not spell out. The button under UltraSecure reads "Start 30-Day Trial," and its line reads "Billed monthly after your 30-day trial." The UltraSecure+Credit column reads "Billed Monthly" and "Get Protected," with no trial wording at all. So if you want to try IdentityForce's credit features before paying, the page gives you no way to do it. You pay $34.90 from day one, or $349.90 up front for the year.

The trial also converts on its own. IdentityForce's wording is that you will be charged "if you do not cancel identity theft protection services before the expiration of the 30-day trial period." Put a reminder in your calendar for day 25 if you are only testing.

What does IdentityForce UltraSecure+Credit include?

Both tiers share the identity side: a personalized action plan built from your breach history, an identity safety score, 24/7 dark web monitoring with a risk score for each hit, advanced fraud monitoring, phishing and botnet monitoring, a mobile VPN, online PC protection, an identity vault and a dedicated restoration specialist. The credit plan adds:

• Daily TransUnion credit report and score. The score is a VantageScore 3.0. IdentityForce's footnote says "Lenders and insurers may use different scores to evaluate your eligibility."
• Three-bureau credit monitoring and alerts across TransUnion, Experian and Equifax.
• Three-bureau credit reports, quarterly. The Experian and Equifax reports arrive four times a year, not daily.
• $2 million in identity theft insurance, against $1 million on UltraSecure. Coverage varies in New York.

One condition sits under the plan names. Credit services only switch on after you verify your identity, and IdentityForce says plainly that "if you are paying for this service, the full price of your package will not change even if you do not receive the enhanced services." If verification fails online, call them to finish it, or you will be paying the credit-plan price for the non-credit features.

IdentityForce vs TransUnion, Identity Guard and Aura

Because TransUnion owns IdentityForce, the most direct comparison is TransUnion's own Credit Premium plan. IdentityForce comes out cheaper once you pay yearly, and it carries twice the insurance.

TransUnion and IdentityForce figures were read on their own sites in the last week of September 2026. Identity Guard and Aura figures come from their plan pages as read for our Identity Guard review on 18 September. Our TransUnion credit monitoring review covers the free Credit Essentials tier and what Premium adds.

On price per year, IdentityForce is the most expensive of the four unless you need the $2 million policy or the family plan's ten-child limit. The family credit plan is where it looks best: $39.90 covers two adults and up to ten kids, only $5 more than the individual plan.

How to cancel IdentityForce, and whether you get money back

IdentityForce's refund policy is one of the friendliest in this category. Its billing FAQ says you can cancel at any time, "your membership ends immediately," and "all purchases offer a pro-rated refund for the unused portion of the services." That applies to annual plans too, which lowers the risk of paying $349.90 up front. Equifax, by contrast, states that it does not provide partial month refunds.

To cancel online, log in to the member dashboard, open the menu in the top right, choose the Protection Plan tab and click Cancel under your current plan. You can also call Member Services at 877-694-3367, Monday to Friday 8 a.m. to 8 p.m. Eastern and weekends 9 a.m. to 7 p.m.

Is IdentityForce worth it?

It is worth it for a family that wants restoration help and a large insurance policy on one bill. The $39.90 family credit plan covering ten children is hard to match, and the pro-rated refund takes most of the risk out of the annual price. It also makes sense after a breach notice, when the action plan and dark web hits tell you which passwords and accounts to change first.

It is a weaker buy if you are paying mainly for the credit side. A security freeze at each bureau blocks new accounts in your name for free, and our guide on how to freeze your credit covers all three. If a creditor or collector still asks for a signed and notarized identity theft statement after you file with the FTC, you can get it done with a remote online notary the same day instead of hunting for a notary office. And quarterly three-bureau reports do not show you anything you cannot get for free each week at annualcreditreport.com.

A better use of $34.90 if your goal is a higher score

Identity monitoring tells you when something changed. It does not tell you which account is costing you the most points, or whether paying one card down beats paying another before a mortgage or auto application. CreditPal is built for that. It connects read-only, explains in plain English what is holding your score down, lets you simulate a change before you make it, and puts the fixes in the order that pays. It costs from $7 a month, $84 a year against $349.90 for UltraSecure+Credit. It does not monitor for fraud, file disputes or carry insurance, so if identity theft is the risk you are covering, keep a monitoring plan and use CreditPal for the score.

For every paid monitoring service side by side, including LifeLock, IdentityIQ and all three bureau plans, see our credit monitoring services comparison.

IdentityForce review FAQ

How much does IdentityForce cost per month?

IdentityForce UltraSecure costs $19.90 a month and UltraSecure+Credit costs $34.90 a month for one person, plus tax where it applies. The family versions cost $24.90 and $39.90. Paying yearly costs $199.90, $349.90, $249.90 or $399.90.

Does IdentityForce have a free trial?

Only on UltraSecure, the plan without credit monitoring. It runs 30 days and then bills automatically unless you cancel before it ends. The UltraSecure+Credit plans show no trial on IdentityForce's pricing page, so you pay from the first day.

Does IdentityForce monitor all three credit bureaus?

Yes, on UltraSecure+Credit. It sends alerts from TransUnion, Experian and Equifax and gives you a daily TransUnion report and score. The full three-bureau reports arrive quarterly. The UltraSecure plan has no credit monitoring.

Is IdentityForce owned by TransUnion?

Yes. IdentityForce came to TransUnion with its acquisition of Sontiq in 2021, and the footer of identityforce.com is now a TransUnion LLC copyright. Its daily credit report and score come from TransUnion, and the score is a VantageScore 3.0.

Does IdentityForce give refunds?

Yes. IdentityForce's billing FAQ says your membership ends as soon as you cancel, you are not billed again, and all purchases get a pro-rated refund for the unused portion. That includes annual plans, which most bureau plans do not refund.

Will IdentityForce improve my credit score?

No. IdentityForce watches your files and alerts you to changes and fraud. Your score moves when the file itself changes, through lower balances, on-time payments and corrected errors. A tool that explains which factors cost you the most points is what helps with that.