Know your identity theft exposure before it turns into cleanup.
A 3-minute assessment that scores your exposure across credit, digital, recovery, and habit risk — then gives you a prioritized plan you can actually use this week.
Free score · No scare tactics · Premium tracker $4.99/month or $39/year
Pricing
The score and your action plan are free. Premium adds continuity — not a paywall on the basics.
FREE
Always
- Full exposure score and risk band
- Sub-scores across all four risk areas
- "What's driving your score" explanation
- Top fixes + what-can-wait list
- Conditional blocks for suspicious activity and credit applications
PREMIUM TRACKER
Billed monthly · Cancel anytime
Switch to yearly to save ~35%
- Everything in free
- Score history + trend chart
- Monthly re-check workflow
- Saved personalized checklist with progress
- Credit-application mode
- Identity recovery vault + incident log
- Downloadable protection plan PDF
$4.99/month · Cancel anytime · No hidden fees
Prices in USD. Premium is optional — the free score and action plan stay free.
The basics, plain English
Quick context so the recommendations above make sense — and so you can spot bad advice elsewhere.
Credit freeze vs. fraud alert
A freeze blocks new accounts from being opened in your name and is free at all three bureaus. A fraud alert is lighter — it just asks lenders to verify identity. If you're not actively applying for credit, a freeze is the stronger move.
What identity protection services can — and can't — do
Paid monitoring is good at noticing changes faster than you would on your own. It can't prevent a breach, and it doesn't replace a freeze, 2FA, or unique passwords. Use it as an early-warning layer, not a primary defense.
What to do right after suspicious activity
File a report at IdentityTheft.gov first — it generates your official affidavit and a step-by-step plan. Then call the issuer of the suspicious account, then place a fraud alert. Document every call.
Why some people only need the free steps
If your credit is frozen, 2FA is on, you use a password manager, and you check statements monthly, you've already done the heavy lifting. Premium tracking helps you stay there — it's not a requirement to be safe.
Identity exposure, explained in depth
Background for the recommendations above — so you understand what the score is measuring, why these four risk areas matter most, and what credible US sources say about the basics.
Definition
What "identity exposure" actually means
Exposure is the surface area a criminal would have to work with if they targeted you tomorrow. It is not a prediction — it is an estimate of how much friction stands between an attacker and a successful account takeover or new-account fraud.
Two people with identical income and credit scores can have very different exposure: one has a credit freeze, hardware-backed 2FA, and a password manager; the other reuses one password across email, banking, and taxes.
Framework
Why these four categories
- Credit-file risk — what a thief can open in your name.
- Digital exposure — what they can hijack that you already own.
- Recovery readiness — how fast you can shut things down if it happens.
- Habit risk — the quiet, daily behavior that decides whether a small breach becomes a months-long cleanup.
Sources
What the FTC and CFPB actually recommend
The Federal Trade Commission's IdentityTheft.gov and the Consumer Financial Protection Bureau both center on the same four moves:
- Place a security freeze at all three bureaus.
- Enable two-factor authentication on critical accounts.
- Pull your free reports at AnnualCreditReport.com.
- Act fast on anything unfamiliar.
Paid monitoring is helpful as an early-warning layer — not a substitute for those four.
How the score is calculated
Each answer contributes points to one or more of four categories. Categories are weighted by how much each one drives actual financial loss in US identity-theft cases: credit-file risk is weighted most heavily, then digital exposure, then recovery readiness, then habit risk. Flags — like recent suspicious activity or an upcoming credit application — can shift you into a higher band even at the same raw score.
The math is deterministic and explainable. The "What's driving your score" section names the specific answers contributing the most points, so you can see exactly where the number came from. Nothing here is opaque, and nothing here is a credit pull.
A good fit if you
- Got a breach notice and aren't sure how worried to be
- Are about to apply for a mortgage, auto loan, or apartment
- Want a plan you can finish this weekend, in plain English
- Don't want another monthly subscription unless it earns it
Not the right tool if you
- Need active fraud monitoring across bank accounts — that's a different product
- Are responding to active fraud right now — file at IdentityTheft.gov first, then come back
- Need a credit-repair service for collections or charge-offs (not what this is)
How to use this tool
- 1
Answer the credit-file questions
Whether your credit is frozen at all 3 bureaus, recent inquiries, and any new accounts you don't recognize.
- 2
Answer the digital-habits questions
Password reuse, MFA on email/banking, breach notifications you've received in the past year.
- 3
Add your recovery-readiness picture
Whether you have IRS IP PIN, frozen ChexSystems/NCTUE files, and an identity-theft contact list saved.
- 4
Flag any recent triggers
Breach notices, unfamiliar mail, suspicious calls, or login alerts. These weight your score heavily.
- 5
Read your score and prioritized action plan
Free actions are ranked first by impact-per-minute. Premium tracking is optional, not required.
Expected timeline: 3 minutes for the assessment. The top 3 actions (freezes, IP PIN, password manager) take a combined 30–45 minutes and drop most people's exposure score by 20+ points.
Watch out for
- Answer honestly — overstating protections gives you a falsely low score and the wrong action plan.
- A credit freeze is not the same as a fraud alert. The plan tells you which you actually need.
- Monitoring catches fraud after it happens; this score is about preventing it in the first place.