TL;DR: IdentityIQ's trial charges $1 for the first 7 days, then $34.99 a month on its own landing page, for 3-bureau reports and scores, credit and dark web monitoring and up to $1 million insurance. Diarise day 7 if you only want the reports. A 2023 Tom's Guide review found cancelling took a phone call. You can get your three credit reports free every week at AnnualCreditReport.com.
What the $1 trial is
IdentityIQ (run by IDIQ) offers credit and identity monitoring. Its trial landing page advertises:
- $1 for the first 7 days.
- Then $34.99 a month, “cancel anytime”.
- An alternative offer of $24.49 a month from day one, with no trial.
People often sign up because a lender, landlord or credit repair firm asked for a 3-bureau report. That's fine, but the $1 becomes a monthly charge unless you cancel.
What the plan includes
- Monthly 3-bureau credit reports and scores (Experian, Equifax, TransUnion).
- Credit and dark web monitoring, 24/7.
- Up to $1 million identity theft insurance underwritten by AIG, covering stolen funds, legal fees and up to $1,500 a week (five weeks maximum) in lost wages.
Tom's Guide notes IdentityIQ scores are VantageScore 3.0, not the FICO scores most lenders use. Its 2023 review listed cheaper tiers too; prices and plan names change, so check the current terms before you buy.
How to cancel
The landing page says you can cancel any time but doesn't give steps. In Tom's Guide's test, cancellation wasn't possible on the website or by email: the reviewer had to phone support, turn down a discount offer and wait for a confirmation email. Before day 7:
- Find the support number in your welcome email or account.
- Call, say you want to cancel, and decline retention offers.
- Get a confirmation email or number, and check your next card statement.
If you're charged after cancelling, dispute it with your card issuer.
Free alternatives
- Free weekly credit reports from all three bureaus at AnnualCreditReport.com.
- A free credit freeze stops new accounts in your name; see credit lock vs freeze.
- If you want a paid service anyway, compare AAA ProtectMyID, IDShield and Zander.
Most dark web alerts come from old breaches. A free email exposure check shows which ones your email is in.
Frequently Asked Questions
How long is the IdentityIQ $1 trial?
Seven days. The landing page says it then costs $34.99 a month unless you cancel.
What does IdentityIQ cost after the trial?
The trial landing page lists $34.99 a month for the plan with 3-bureau reports, monitoring and insurance. Check current terms before signing up.
How do I cancel IdentityIQ?
Tom’s Guide found it had to be done by phone in 2023. Call support before day 7, decline retention offers and keep the confirmation.
Are IdentityIQ scores FICO scores?
No. Tom’s Guide notes IdentityIQ uses VantageScore 3.0.
Can I get my credit reports free instead?
Yes. AnnualCreditReport.com gives free weekly reports from Equifax, Experian and TransUnion.