IDIQ
IDIQ is a U.S. financial intelligence company offering identity theft protection, credit monitoring, and credit-building tools through seven consumer and partner-facing brands, serving over 4 million members and a B2B partner network spanning property managers, tax professionals, mortgage lenders, and benefits brokers.
- Company typePrivate
- Founded2009
- HeadquartersTemecula, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingSoftware
What IDIQ does
IDIQ (legally Identity Intelligence Group) is a U.S.-based financial intelligence company founded in 2009 and headquartered in Temecula, California, offering credit monitoring, identity theft protection, and data breach management services to over 4 million consumer members. The company operates a portfolio of seven registered brands — IdentityIQ (flagship 24/7 credit and identity monitoring with real-time alerts across 35+ categories), MyScoreIQ (FICO score access), CreditBuilderIQ (personalized credit-building tools with rent and utility reporting), CreditScoreIQ (DIY dispute platform), Credit & Debt (AI-powered financial coaching via the Money Sensei assistant), Disco (CRM for credit professionals), and Redacted (concierge identity intelligence for executives and high-profile individuals) — supported by add-on modules covering rental reporting, utility reporting, pre-paid legal services, VPN and anti-virus, financial wellness, and business credit. The underlying technology stack combines AI-driven anomaly detection, credit-score simulation (ScoreCasterIQ), and automated payment reporting integrations with property management and utility billing systems.
IDIQ makes money primarily through subscription-based recurring revenue from consumer identity-protection and credit-monitoring plans, complemented by affiliate and residual-commission revenue from a large B2B partner channel. Distribution spans direct-to-consumer self-serve sign-up on brand websites, a dedicated partner portal (partner.idiq.com) that serves employee benefits brokers, multi-family housing operators, mortgage lenders, tax professionals, and legal services firms, and strategic alliances including a September 2025 partnership with the National Consumer Reporting Association (NCRA) that addresses 44 million U.S. renting households. Pricing is quote-based and not publicly disclosed. The company is privately held, generates over USD 150 million in annual revenue (2024), has earned five consecutive Inc. 5000 recognitions, and has reported consecutive years of triple-digit growth, operating exclusively in the United States with no disclosed external private equity or venture backing.
IDIQ firmographics
Firmographics- Name
- IDIQ
- Legal name
- Identity Intelligence Group
- Website
- https://idiq.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- IDIQ is a U.S. financial intelligence company offering identity theft protection, credit monitoring, and credit-building tools through seven consumer and partner-facing brands, serving over 4 million members and a B2B partner network spanning property managers, tax professionals, mortgage lenders, and benefits brokers.
- Ownership category
- akta.pro rank
IDIQ industry classification
Industry- Product category
- Identity Theft Protection and Credit Monitoring
- NAICS
- Credit Bureaus (561450), Credit Bureaus (56145)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Data, Evidence & Document Verification (IDV) for KYC (FSAMAMAN)
- akta.pro secondary industries
- Identity Verification (IDV) & Document Verification (FSAMALAE), Identity Verification & Proofing (IDV, KYC, Biometrics) (HDADAAAF)
Keywords
Where IDIQ is headquartered
LocationHeadquarters
- HQ city
- Temecula
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
IDIQ business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Marketing or Sales, Technology or R&D, Personnel, Operations, Infrastructure
Revenue model
- Identity Theft Protection Subscriptions: IDIQ's flagship revenue stream from subscription-based identity theft protection services offered through IdentityIQ brand, providing 24/7 credit monitoring, real-time fraud alerts, dark web monitoring, and comprehensive identity protection features
- Credit Score Monitoring Subscriptions: Subscription revenue from credit score and report monitoring services across multiple brands including MyScoreIQ (FICO scores, industry-specific scores), CreditScoreIQ (dispute tools), and CreditBuilderIQ (credit-building tools)
- Rent and Utility Payment Reporting Services: Revenue generated from property management partners for rent and utility payment reporting services, with ancillary income opportunities and revenue-share arrangements for property management company partners
- Partner/Reseller Commissions: IDIQ earns commission revenue through B2B partnerships where affiliates, brokers, and channel partners enroll clients; partners receive residual income for every client enrolled with no cost to the partner
- Pre-Paid Legal Services: Subscription-based pre-paid legal services providing access to network of qualified lawyers for various legal issues including family law and wills
- VPN and Anti-Virus Subscriptions: Revenue from privacy and protection products including IP encryption and anti-virus services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Subscription-based pricing for identity theft protection and credit monitoring services |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
IDIQ product offering
Product offeringCore offering
IDIQ is a financial intelligence platform that delivers subscription-based identity theft protection, credit monitoring across all three bureaus, credit-building tools, and rent/utility payment reporting to over 4 million members in the US. Its portfolio of branded products (IdentityIQ, MyScoreIQ, CreditBuilderIQ, CreditScoreIQ, Credit & Debt, Disco, Redacted) combines 24/7 monitoring with real-time alerts, AI-powered financial coaching, and partner-enrolled offerings for property managers, tax professionals, mortgage lenders, employee benefits brokers, and legal services firms.
Product overview
IDIQ operates as a financial intelligence platform offering a portfolio of complementary products organized around credit management, identity protection, and financial wellness. The core offering centers on IdentityIQ as the flagship brand for identity theft protection and credit monitoring. The product suite includes sub-brands for specific use cases: MyScoreIQ for FICO® Score access, CreditBuilderIQ and CreditScoreIQ for DIY credit-building tools, Credit & Debt (acquired in 2022) for debt education with Money Sensei® AI, and Disco for CRM functionality. Additional modules cover rental and utility payment reporting, VPN & anti-virus, pre-paid legal services, and data breach protection. The platform serves consumers directly and through B2B partnerships with property managers, mortgage lenders, realtors, insurance providers, and tax professionals.
Differentiator
Problem solved
Functional benefit
Brands
- IdentityIQ: Flagship brand delivering expert suite of financial and identity protection features, including 24/7 credit and data monitoring with real-time alerts
- MyScoreIQ
- CreditBuilderIQ
- Credit & Debt
- CreditScoreIQ
- Disco
- Redacted
Products and services
- IdentityIQ Flagship subscription brand delivering 24/7 credit and data monitoring with real-time alerts for suspicious activity and significant credit score changes, including dark web patrol and identity protection features for individual consumers.
- MyScoreIQ Subscription brand providing access to FICO® Scores including industry-specific scores, paired with credit monitoring and protection to help clients prepare for major purchases.
- CreditBuilderIQ Comprehensive credit-building subscription offering rent and utility payment reporting, personalized action plans, and tools to help consumers reach credit goals.
- CreditScoreIQ DIY subscription platform that gives consumers data-driven tools to easily search and dispute inaccuracies on their credit reports.
- Credit & Debt Credit and debt education-based membership platform providing real money solutions and debt relief strategies, featuring Money Sensei® AI technology for personalized budgeting tips and financial coaching.
- Disco All-in-one CRM platform for credit professionals enabling single-click import of client reports, automation of daily tasks, tracking of client progress, and management of leads and partners (free to IDIQ partners with at least five clients on active IDIQ brand membership).
- Redacted Concierge-style identity intelligence services for corporate executives, board members, high-profile individuals, and their families.
- Rental Reporting Service reporting up to 24 months of on-time rental payments directly to credit bureaus, helping residents build credit from their largest monthly expense while supporting property manager compliance with legislation like California AB 2747.
- Utility Reporting Service reporting on-time utility payments to major credit bureaus to demonstrate responsible financial behavior and build additional credit history.
- Pre-Paid Legal Services Subscription-based pre-paid legal services connecting members with a network of qualified lawyers for various legal issues including family law and wills preparation at fixed, affordable costs (over 20,000 legal services provided to date).
- VPN & Anti-Virus Subscription privacy and device protection product maintaining online privacy through IP encryption and safeguarding devices through anti-virus capabilities.
- Data Breach Protection Service minimizing the impact of security breaches with rapid notification, expert guidance, and comprehensive support for recovery.
- Financial Wellness Subscription offering financial education, resources, and tools including account syncing, financial coaching, and debt relief strategies to help consumers navigate finances with confidence.
- Business Credit Subscription service helping small and medium-sized enterprises establish and improve their business credit profiles to access better financing options and growth opportunities.
Quantifiable outcome
- Nearly 79% of rent reporting participants experienced credit score increases, with average jump of 23 points (Credit Builders Alliance data)
- +3 more outcomes
Companies that use IDIQ
Customer profileNamed customers5 records
Segments7 records
Ideal customer profiles7 records
IDIQ technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability6 records
Feature7 records
IDIQ partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- NCRA (National Consumer Reporting Association)coreStrategic partnership to transform rent payments into credit-building opportunity for millions of renters. Through NCRA's network of member agencies and their property management clients, renters nationwide gain access to rent payment reporting services that turn their largest monthly expense into credit-building opportunity. Partnership addresses 44 million American households who traditionally receive no credit benefit from on-time rent payments. IDIQ provides full financial intelligence suite including IdentityIQ and CreditBuilderIQ alongside rent reporting.
- ncpeFellowship (National Center for Professional Education)minorPartnership to bring awareness to dangers and problems of identity theft, especially with tax filings. Provides educational resources and protection for both tax professionals and their clients. ncpeFellowship is an organization founded for members of the tax professional community committed to being the best educated in tax preparation, promoting and enhancing member effectiveness.
- NAEA (National Association of Enrolled Agents)minorPartnership providing enrolled agents (only federally-credentialed tax professionals) with access to identity theft protection, real-time fraud monitoring, Social Security number alerts, dark web monitoring, and credit report monitoring and scores. NAEA supports thousands of enrolled agents across the country with practice resources, education, networking, and peer support.
- NSTP (National Society of Tax Professionals)minorPartnership providing NSTP members access to IDIQ identity theft protection and credit monitoring resources. NSTP is committed to helping members attain expertise, proficiency, and competency in all areas of tax profession, equipping members to provide professional tax preparation services for clients.
- Credit Swag Ventures, Inc. (Credit & Debt)coreAcquisition of Credit Swag Ventures, Inc. operating as Credit & Debt to enhance IDIQ's financial wellness services and educational content. The acquisition included Credit & Debt's interactive financial management platform, Money Sensei, helping IDIQ expand its customer base and product offerings. Credit & Debt now operates as a brand within IDIQ's portfolio offering credit and debt education-based membership with AI-powered financial coaching.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
IDIQ competitors and assessment
Company assessmentBroad incumbents
- Experian: One of the three major US credit bureaus, offering direct-to-consumer identity protection via Experian IdentityWorks plus credit scores and rent payment data (Experian RentBureau). Competes with IDIQ at the consumer layer while also being a critical data supplier to IDIQ's monitoring products.
- TransUnion: Third major US credit bureau with consumer identity and credit products (TrueIdentity, CreditCompass). Competes with IDIQ in consumer credit monitoring while providing bureau data underlying IDIQ's offerings.
- Equifax: One of the three major US credit bureaus offering consumer identity protection through TrustedID and related products. Competes with IDIQ's monitoring services while also serving as a data source for IDIQ's products.
Direct peers
- Credit Karma: Credit Karma (owned by Intuit) provides free credit monitoring and scores, identity monitoring features, and related financial products to consumers. Directly comparable freemium business model and consumer credit-monitoring positioning to IDIQ's MyScoreIQ and IdentityIQ.
- Identity Guard: Identity Guard is a longstanding consumer identity theft protection service offering credit monitoring, dark web surveillance, and identity restoration. Direct subscription-based competitor to IdentityIQ.
- LifeLock (Gen Digital): LifeLock is the leading consumer identity theft protection service in the US, now owned by Gen Digital (Norton). Directly comparable to IDIQ's IdentityIQ brand in target customer (US consumers), subscription model, and core feature set (dark web monitoring, SSN alerts, credit monitoring).
- PrivacyGuard: PrivacyGuard provides consumer credit reports, credit monitoring, and identity theft protection through a subscription model. Direct comparable to IDIQ's tiered credit monitoring and identity protection subscriptions.
- Esusu: Esusu is a rent reporting platform that helps renters build credit through on-time rent payments reported to credit bureaus, often via property manager partnerships. Direct overlap with IDIQ's rental reporting product line.
- Aura: Aura is a fast-growing all-in-one digital security and identity protection platform offering credit monitoring, identity theft protection, VPN, and antivirus. Closely comparable to IDIQ's bundled subscription approach targeting the same consumer segment.
Emerging players
- Self (formerly Self Lender): Self offers credit-building products including credit-builder loans and rent reporting. Overlaps with IDIQ's CreditBuilderIQ and rent reporting services, focused on building credit for thin-file consumers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
IDIQ social profiles
Digital presenceIDIQ financial estimates
Financial estimateRevenue estimate
Valuation estimate
IDIQ leadership team
Management profileNumber of profiles
Profiles10 records
IDIQ subsidiaries and ownership
Company hierarchySubsidiaries1 record
IDIQ funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
IDIQ M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about IDIQ
What does IDIQ do?
IDIQ is a financial intelligence platform that delivers subscription-based identity theft protection, credit monitoring across all three bureaus, credit-building tools, and rent/utility payment reporting to over 4 million members in the US. Its portfolio of branded products (IdentityIQ, MyScoreIQ, CreditBuilderIQ, CreditScoreIQ, Credit & Debt, Disco, Redacted) combines 24/7 monitoring with real-time alerts, AI-powered financial coaching, and partner-enrolled offerings for property managers, tax professionals, mortgage lenders, employee benefits brokers, and legal services firms.
Is IDIQ a public or private company?
IDIQ is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was IDIQ founded?
IDIQ was founded in 2009. It employs 101 to 250 people.
Where is IDIQ based?
IDIQ is headquartered in Temecula, United States, in the North America region.
How does IDIQ make money?
Six revenue lines are on record. Identity Theft Protection Subscriptions are the primary driver. The others are credit Score Monitoring Subscriptions, rent and Utility Payment Reporting Services, partner/Reseller Commissions, pre-Paid Legal Services and VPN and Anti-Virus Subscriptions.
Who are IDIQ's main competitors?
Broad incumbents on record are Experian, TransUnion and Equifax. Direct peers are Credit Karma, Identity Guard, LifeLock (Gen Digital), PrivacyGuard, Esusu and Aura. Self (formerly Self Lender) is listed as an emerging player.
Does IDIQ have an API?
No public API is recorded for IDIQ.
What industry is IDIQ in?
IDIQ's product category is Identity Theft Protection and Credit Monitoring. Its primary akta.pro industry code is FSAMAMAN, Data, Evidence & Document Verification (IDV) for KYC, with a secondary code of FSAMALAE, Identity Verification (IDV) & Document Verification. Its NAICS code is 561450 and its SIC code is 7320.