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itac_sentinel

ITAC Sentinel

$17.99/month ID Protection, Three-Bureau Credit Monitoring

Our Score
4.2
User Score
2.8
Ratings Breakdown

Price

package monthly price range
$9.99-17.99

Identity Protection

protection/monitoring system
Credit Monitoring
Equifax, Experian or TransUnion
Yes
Internet Scanning
important ID information
Yes
Legal Protection
Credit Freeze & Fraud Alerts
No
Analytical System
e.g. ID Analytics
No

Identity Recovery

recovery/restoration services

Insurance Quality

read full policy
Insurance Amount
e.g. $1 million, $25,000, $2,500
$20,000
Insurance Provider
the insurance company
AIG
Report Case Within
e.g. 60 Days, 30 Days, 90 Days
90 Days
Lost Wages/Income
e.g. $2,000 or 4 Weeks
$10,000

Credit Monitoring

Equifax, Experian or TransUnion
3/3

CISSP Certified

Certification from (ISC)²
No

Antivirus

antivirus software included
No

Experience

total ID theft experience
10 Years

Number of Reviews

User reviews here on BIDTC
5

Identity Theft Assistance Center (ITAC) is a branch of Intersections Inc. ITAC is a nonprofit organization of financial services companies that came together with the goal of protecting their consumers from identity theft. Since its creation in 2004, ITAC has helped tens of thousands victims restore their financial identities. ITAC Sentinel offers their ITAC Victim Assistance program to all consumers, which helps victims of identity theft with information which is designed to guide them in restoring their identity.

itac sentinel identity protectionitac sentinel plans and packages

The Good

ITAC Sentinel uses Internet Surveillance which helps reduce your risk of identity theft online by continuously searching the Internet for signs that your registered bank accounts, credit accounts and Social Security Number are potentially at risk.

Rank Chart Monthly Price Identity Protection Our Score
#47
itac_sentinel
$9.99-17.99
4.2
#1
$8.99 - $26.99
8.3
#2
$8.99-$24.99
7.4
#3
$12.95 - $19.95
6.8

ITAC offers three identity monitoring and protection plans – the Sentinel, the Sentinel Plus, and the Sentinel Premium. Each plan covers credit monitoring and includes credit card theft protection and identity protection insurance coverage by AIG. Differences in the coverage include the amount of insurance coverage, number of credit bureaus monitored and the availability of credit reports and scores. The highest-tier plan is the only plan which includes public record reports and monitoring.

The Bad

Each of ITAC Sentinel identity theft insurance policies includes a $250 deductible. Most identity protection policies offer a $0 deductible.

ITAC Sentinel does not have a full-serviced lost wallet protection, but they do offer card theft protection. This protection will do some things lost wallet provides, but not everything. Card Theft Protection uses their team to cancel/and or reissue members’ credit cards in the event of a lost wallet.

Members can request up to $2,000 in emergency cash if credit cards are lost or stolen. ITAC will track the lost card’s information for unauthorized transactions. The Lost Card assistance does not include restoring driver’s licenses, Social Security cards, insurance cards, or checkbooks.

ITAC’s services are fairly basic and the lower-tiers of protection have limited credit monitoring and credit report refreshes. Some customers have complained about not receiving alerts or the alerts being delayed. Customer service for ITAC has been another source of complaints by their customers, with complaints about a lack of transparency about the actual coverages.

ITAC does not offer a trial period for their services.

The Bottom Line

ITAC Sentinel has A+ BBB Rating (Intersections, Inc.). The basic package offered by ITAC does not include access the full benefits of identity protection, but it does allow customers some basic tools to protect their identity and some assistance in restoration, which is slightly more complete than some of the basic packages offered by other companies.

ITAC Sentinel has some of the tools considered critical to provide comprehensive identity protection services, but there are some holes in their coverage. Many find their pricing structure appealing, which is less than the industry leaders. For those looking for a complete protection and restoration, ITAC Sentinel is a mid-range option and is only recommended for those who cannot afford a more comprehensive program and desire some protection, feeling that some coverage and protection are better than nothing.

ITAC Sentinel – $9.99/month

  • 1-Bureau Credit Score and Report: ITAC Sentinel provides members with their Equifax credit report to track their credit history
  • Quarterly Credit Updates:  Every three months, members can access their most updated credit report
  • 1-Bureau Credit Monitoring with Alerts: ITAC Sentinel will monitor members’ Equifax credit report and alert them by phone, email, text or mail if there is suspicious activity occurring on their file
  • Internet Surveillance: This feature reduces members’ risk of identity theft online by continuously scanning the Internet for signs that their identity has been compromised through File Transfer Protocol sites, chat rooms or newsgroups
  • Card Theft Protection:  If an ITAC Sentinel member calls the ITAC Sentinel team and reports a lost or stolen wallet, they will assist in cancelling and reissuing credit cards and up to $2,000 will be available for emergency cash
  • ITAC Victim Assistance: An ITAC Victim Assistance professional will help members every step of the way.  They will:
    • Review members’ current credit report to find evidence of identity fraud
    • Notify each creditor listed on the credit report to start the identity theft investigation
    • Assist in placing a fraud alert on victims’ file with each of the credit bureaus
    • Deliver the case file and affidavit data to appropriate law enforcement
    • Provide members with a summary of the interview process to make follow-ups easier
  • Toll-Free Customer Service: Members can call ITAC Sentinel to answer questions about their membership plan or credit information
  • Credit Analyzer: A finance tool that allows members to predict financial outcomes based upon different scenarios (paying down balances, taking out new loans, etc.)
  • $2,500 Identity Theft Insurance:  Victims of Identity theft may be reimbursed up to $2,500 in qualified expenses (with a $250 deductible)

ITAC Sentinel Plus – $12.99/month

All features in the ITAC Sentinel plan are included in the Plus plan as well as the listed benefits below:

  • 3-in-1 Credit Report and Score:  With this upgraded plan, members receive a credit report and credit scores based on the data from Equifax, Experian and TransUnion
  • 3-Bureau Credit Monitoring and Alerts: ITAC Sentinel will monitor members’ credit reports from all three credit reporting bureaus and alert them by phone, email, text or mail to warn of potential identity fraud
  • $20,000 Identity Theft Insurance:  The Plus plan allows victims up to $20,000 in expense reimbursement after a $250 deductible

ITAC Sentinel Premium – $17.99/month

All features in the ITAC Sentinel plan are included in the Premium plan as well as the listed benefits below:

  • Public Record Report and Monitoring:  This feature provides a summary of public information with your personal information such as name, address, vehicle registrations, criminal records, personal property, court records, and bankruptcy records

Identity Theft Insurance

Covered expenses include:

  • Lost wages up to $2,000 per week for 5 weeks
  • Notarizing affidavits or similar documents
  • Long distance calls and postage
  • Attorney fees (with prior consent from AIG)
  • Spousal, Elder or child care up to $2,000
  • Travel expenses up to $1,000

Definition of Stolen Identity Event:

“The fraudulent use of your name, address, Social Security number, bank or credit card account number or other personally identifying information or other method of identifying you. This includes, but is not limited to, the fraudulent use of your personal identity to establish credit accounts, secure loans, enter into contracts or commit crimes. Stolen identity event shall include Medical identity theft [which is] theft of the insured’s personal or health insurance information to obtain medical treatment, pharmaceutical services or medical insurance coverage.”

Scope of Coverage

Members must report the Stolen Identity Event no later than 90 days of discovery.  This insurance policy is excess over other insurances including homeowner’s or renter’s insurance. Members can cancel their service any time by calling 1-888-283-1970.

Are there any inaccuracies in this review? We take accuracy very seriously and would love your feedback. Visit our Request Reconsideration page and send us your feedback today!

5 ITAC Sentinel Reviews

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  1. User Score
    4
    Nancy
    June 27th, 2015 at 10:02 pm
    0 people found this review helpful!

    I tried to call their customer service number to ask a simple question.
    1. They put one through a whole series of “offers” and THEN I got a message saying the toll-free number for my are had been changed.
    2. When I tried to call THAT number, busy forever! (It is probably off the hook, as we used to say.)
    3. Their website has no e-mail contact available, only snail mail. All so unprofessional! Ugh.

  2. User Score
    1
    Valerie
    June 20th, 2015 at 10:50 pm
    0 people found this review helpful!

    I received this service originally thru my bank and have continued to keep it for information updates but just now Completely disappoionted with this company’s Customer Service response to my account being “cancelled” without notifying me. Apparently possible “Fraud Alert” activity on my bank card caused the card to be pulled and I waited for a new card to be issued – ITAC was not able to run the card for charges and they silently dropped me –no notice. Seems a Credit Monitoring Company would get the concept of a credit bank card being cancelled due to Fraud. They claimed to have sent a letter to my P.O Box during December Holiday time which I never received – no request for a new payment card – nothing. Just spoke to their Customer Service rep and she in one breath told me I was cancelled and unable to re-enroll as they are not taking on any new customers….”but we thank you for your membership”….They recommended Costco Website for Identity Guard?? moving on…..

  3. User Score
    5
    Rebecka
    February 8th, 2015 at 4:40 am
    1 people found this review helpful!

    I received this service free thru TD Bank because their system was hacked and my account number was compromised. The services were ok considering that I didn’t pay for it. If the reports were more detailed like the ones you get annually I would pay for it. I did like the updates when something changed on my report however.

  4. User Score
    3
    Melinda
    November 8th, 2014 at 9:34 pm
    0 people found this review helpful!

    Did not do what it promised

  5. User Score
    1
    Frances Vandeburgt
    June 17th, 2014 at 2:42 pm
    1 people found this review helpful!

    It should not be legal for them to pursue me for a watchdog fee for a dead person’s credit card. The bill only said to pay by credit card that doesn’t belong to me because I don’t have one. Why don’t they tell me what to do to resolve the matter and close the account.

Our Score
4.2
User Score
2.8
Rank this Company
Ratings Breakdown

Price

package monthly price range
$9.99-17.99

Identity Protection

protection/monitoring system
Credit Monitoring
Equifax, Experian or TransUnion
Yes
Internet Scanning
important ID information
Yes
Legal Protection
Credit Freeze & Fraud Alerts
No
Analytical System
e.g. ID Analytics
No

Identity Recovery

recovery/restoration services

Insurance Quality

read full policy
Insurance Amount
e.g. $1 million, $25,000, $2,500
$20,000
Insurance Provider
the insurance company
AIG
Report Case Within
e.g. 60 Days, 30 Days, 90 Days
90 Days
Lost Wages/Income
e.g. $2,000 or 4 Weeks
$10,000

Credit Monitoring

Equifax, Experian or TransUnion
3/3

CISSP Certified

Certification from (ISC)²
No

Antivirus

antivirus software included
No

Experience

total ID theft experience
10 Years

A+

Number of Reviews

User reviews here on BIDTC
5

This Review is maintained by

Review Last Updated: August 17, 2015

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