5 Great Tools to Prevent Identity Theft
Protect yourself from identity theft before it happens.

As the threat of identity theft grows, taking steps to protect yourself is more important than ever. Use these tools to prevent ID theft—or to spot it quickly after it happens.
SEE MORE: The Best Personal-Finance Products and Services of 2015
Best ID Protection Service: Identity Guard Total Protection ($20 monthly) tops its peers, based on tests by NextAdvisor, which evaluates providers. The service monitors your credit report with all three of the major credit agencies, provides score updates, and scans Internet black markets for your Social Security number and bank account and credit card numbers.
Best Password Manager: Dashlane stores and encrypts passwords. Plus, the free program will alert you if a site you use is hacked. For $40 a year, you can sync your account information across multiple devices.
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Best Antivirus Software: Antivirus software from Avira scored high marks in testing by the AV-TEST Institute, which evaluates security software. Avira has free software for Windows, but for superior protection, go with Antivirus Pro for $45 annually. Avira’s only antivirus product for Mac is free.
Best Personal VPN: For $40 a year (or $7 a month), Private Internet Access encrypts your Web activity over public Wi-Fi networks and masks your IP address with an anonymous one. You can use it on five devices at once.
Best Test and Voice-Mail Encryption: With mobile app Threema ($1.99 for Windows phone and Apple devices; $2.49 for Android), you can send encrypted text messages, recorded voice messages (but not phone calls), photos, videos and even PDF files to other users of the app without worry that snoops will intercept your conversations. To remain anonymous, you can opt not to link your phone number or e-mail address to the app.
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Lisa has been the editor of Kiplinger Personal Finance since June 2023. Previously, she spent more than a decade reporting and writing for the magazine on a variety of topics, including credit, banking and retirement. She has shared her expertise as a guest on the Today Show, CNN, Fox, NPR, Cheddar and many other media outlets around the nation. Lisa graduated from Ball State University and received the school’s “Graduate of the Last Decade” award in 2014. A military spouse, she has moved around the U.S. and currently lives in the Philadelphia area with her husband and two sons.
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