How exposed are you, really?
One email, and we check breach databases, password leaks, data brokers, your phone and your credit files at the same time. Then the fixes, free ones first.
Needs an email · about 1 minute
Not an insurer, agent or broker. CoverScore doesn’t sell insurance.
A relative ranking of preparedness among households like yours — not a probability.
12% of Americans 16+ received at least one data-breach notification in a single year — the only true per-person government probability.
data.breach.notice_rate
Only 17% of Americans have a credit freeze or fraud alert — both free since 2018. No causal effectiveness study exists, but a freeze blocks new-credit pulls by construction.
data.freeze.adoption
Manual DIY opt-outs removed 70% of people-search profiles within a week — beating every paid removal service; the worst paid service managed 4% in four months.
data.broker.diy
Two reused passwords and 27 brokers listing your address.
Top flag: Your credit file is unfrozen at two of three bureaus.
Illustrative numbers for a sample household. Your report shows your own, with its confidence range. The score is a ranking, never a probability.
- on track
- watch
- act now
Ten slices of your digital life, from one email.
Doing this yourself means hundreds of separate sites. Add a phone and your name and we search the brokers too.
Leaked and reused passwords.
Weight 20% · read from Enzoic, HIBP
Breaches tied to your address.
Weight 15% · read from HIBP, Mozilla Monitor
Who lists your address and phone.
Weight 20% · read from 190 broker sites
Freezes at all bureaus.
Weight 20% · read from Equifax, Experian, TransUnion
Spam-likelihood rating and port-out protection.
Weight 10% · read from Twilio, IPQS, FTC
Two-factor on the accounts that matter.
Weight 15% · read from your answers
Ten areas of your digital footprint
- Email securitychecked
Which breaches include your email, and what leaked with it.
Needs email
- Password securitychecked
Whether your passwords are in known dumps, or reused.
Needs email or password
- Data brokerschecked
Which people-search sites list your name, address and relatives.
Needs name + state
- Email aliasesinferred
How far one address has spread, and whether you mask it.
Needs email
- Phone numberchecked
Spam-likelihood rating on your line, carrier exposure, Do Not Call status.
Needs phone
- Credit & financialyou confirm
Whether your three credit files are frozen.
Needs one question
- Dark webchecked
Your details turning up in breach dumps and forums.
Needs email or phone
- VPN & browserchecked
How uniquely your browser can be tracked across sites.
Needs nothing, runs here
- Social mediayou confirm
What your public profiles reveal to a stranger.
Needs usernames
- Device & 2FAyou confirm
Whether your key accounts use an authenticator, passkey or key.
Needs three questions
What stands out first
- highReused password in 2 breachesCredential stuffing tries it on every site.
- highCredit unfrozen at 2 bureausAnyone with your SSN can open an account.
- medium27 brokers list your home addressFuel for fraud and identity theft.
- lowNo carrier port-out PINSIM swaps start here.
What you can do about it
- Freeze Experian and TransUnion+8 pts (sample)Free / DIY$0DIY · 15 min
- Turn on 2FA for email and bank+5 pts (sample)Free / DIY$0DIY
- Opt out of the top 10 brokers+4 pts (sample)Free / DIY$0DIY · an evening
- A password manager+6 pts (sample)Free / DIYfree–$36/yrsee the Solutions library
- Broker removal service+5 pts (sample)$80–$130/yrSolutions libraryWe may earn a fee
Identity theft is cheap to cover, and rarely is.
Most homeowners policies can add it for a few dollars a month. We check whether yours has it.
- Not coveredIdentity-theft endorsementAbout $25/yr on most homeowners policies.
- Not coveredCyber or fraud coverSome card issuers include it.
- None foundCredit monitoringA freeze does more, and it’s free.
- FreeFree option: Freeze Experian and TransUnionListed first in the fixes above. Nothing in this table is a recommendation to buy.
CoverScore provides general educational information about insurance, not insurance advice. We are not a licensed insurance agent, broker, or consultant. Figures shown are drawn from your own policy documents and from published sources, which are cited. For advice about your specific situation, talk to a licensed insurance professional.
Where the data comes from
204 places checked for this score. List last reviewed 2026-11-02.
- Have I Been Pwnedreviewed 2026-11-02
- Enzoic password exposurereviewed 2026-11-02
- Mozilla Monitorreviewed 2026-11-02
- IPQualityScorereviewed 2026-11-02
- Twilio Lookup (phone)reviewed 2026-11-02
- Google Safe Browsingreviewed 2026-11-02
- FTC Do Not Call Registryreviewed 2026-11-02
- FTC IdentityTheft.govreviewed 2026-11-02
- Equifaxreviewed 2026-11-02
- Experianreviewed 2026-11-02
- TransUnionreviewed 2026-11-02
- ChexSystemsreviewed 2026-11-02
- NCTUEreviewed 2026-11-02
- LexisNexis consumer filereviewed 2026-11-02
- People-search & data-broker sitesreviewed 2026-11-02
Four steps, free first
- Step 1
Add what it needs
Needs an email. About 1 minute.
- Step 2
We check the sources
Public and licensed sources, each cited with its review date.
- Step 3
Read the score and its range
A ranking with an honest confidence band, never a bare number.
- Step 4
Start with the free fixes
Free and DIY options are listed before anything paid.
Plain answers
Do you store my passwords?
No. We check a hashed fragment against leak databases. The password never leaves your device.
Can you remove me from brokers?
We list every broker and the free opt-out. Paid removal services are in the Solutions library.
Is this a credit check?
No. It doesn’t touch your credit score.
Save to your vault
A report is a snapshot. Your vault keeps it, and shows what changed.
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