And the Winner is...

Discover the Best & Worst ID Protection Plans of 2017

Compare ID Protection

demo_widget

noidentitytheft-banner-01

What We Love About Identity Guard

  • $2000 emergency cash if your wallet is lost or stolen.
  • Store your credit cards safely, make online purchases with 1-click.
  • Text alerts when your personal information is being used.
  • A+ BBB Rating (click to verify)

*Expires 11/30/2016.

Identity Guard® Essentials / $8.99 Per Month

LifeLock coupon

Identity Guard®

ESSENTIALS®

$8.99/month

$9.99/regularly

30 DAYS FREE*

 

Enroll now

  • $1 Million Identity Insurance
  • Lost/Stolen Wallet Protection
  • Identity Guard® Alert System
  • Internet Black Market Monitoring

Suspicious Activity Alerts

Anytime someone pretending to be you, tries to update information to your current accounts or applies for any credit related product – you’ll be alerted via phone/email.

“Black Market” Monitoring

Identity Guard® monitors black market websites to see if your credit card number, bank account or Social Security Number is used fraudulently. If any risky information pops up, you will be notified immediately.

Lost Wallet Protection

If your wallet is lost/stolen, Identity Guard® can cancel your credit card accounts and provide you up to $2,000 emergency cash from an account of your choice.

Social Security # Monitoring

1000’s of websites are scanned on your behalf, alerting you quickly if your SSN is detected. You can to take action before additional damage can be done.

Recovery Assistance

While you’re a member, you’ll have access to customer service specialists to address your needs. Call 800-452-2541 to speak with a live representative.

ID Password Protection

ID vault encrypts and keeps your usernames, passwords, and credit card information all in one safe place with 1-click convenience.

$1 Million Identity Insurance

If you become a victim of identity theft, you can receive loss coverage of up to $1 million to hire the right team of professionals who will restore your identity.

Identity Guard® Total Protection / $16.99 Per Month

LifeLock coupon

Identity Guard®

Total Protection®

$16.99/month

$19.99/regularly

30 DAYS FREE*

 

Enroll now

  • Quarterly Credit Scores and Reports
  • PC Antivirus Software
  • Address Change Monitoring
  • 3 Bureau Credit Analyzer

In addition to all the services outlined above, the Total Protection package has the following unique features:

Quarterly Credit Reports & Scores

You’ll receive your credit report and scores from all 3 credit bureaus every 3 months.

Anti-Virus Software

This all-inclusive PC protection includes: anti-virus‚ anti-spyware and firewall software is all included with your membership.

Credit Analyzer

This tool uses information from the credit bureaus to predict your credit and future finances. With this tool, you can make informed decisions when opening or closing accounts, making payments, creating additional credit inquiries and more.

Mobile App

Identity Guard’s downloadable mobile app (iOS & Android) allows you to monitor alerts and credit scores anytime.

Address Change Alerts

Changing the physical address on someone’s account is still one of the most popular methods used by identity thieves. Identity Guard® will alert you whenever a change in your address is detected.

3-Bureau Credit Monitoring

Your credit profile is monitored by all 3 credit bureaus daily. You’ll be alerted if there are new changes to your file or if your credit is pulled by a creditor.

Public Records Monitoring

Identity Guard® monitors all public records and alerts you if any changes are made to criminal or civil court records, registrations, names or aliases, licenses, and bankruptcy files etc.

Keystroke Encryption Software

Privacy Protect ® encrypts keystrokes making them unintelligible to identity thieves. This ensures your information is kept safe when on wireless networks.

Identity Guard® Platinum / $22.99 Per Month

LifeLock coupon

Identity Guard®

Platinum®

$22.99/month

$24.99/regularly

30 DAYS FREE*

 

Enroll now

  • Monthly Credit Scores and Reports
  • PC Antivirus Software
  • Address Change Monitoring
  • 3 Bureau Credit Analyzer

  • Includes everything from the Total Protection plan but instead of quarterly credit reports and scores, you get them MONTHLY! You can stay even more proactive with your credit file and be able to spot any new changes even faster.

Identity Guard® Couples Plan / $26.99 Per Month

LifeLock coupon

Identity Guard®

Couples Plan®

$26.99/month

$27.99/regularly

30 DAYS FREE*

 

Enroll now

  • $1M Total Service Guarantee*
  • Quarterly Credit Scores and Reports
  • Black Market Website Surveillance
  • Lost/Stolen Wallet Protection

  • Includes everything from the Total Protection plan but for only $10 more a month you add a second person to the policy.

Identity Guard® Family Plan / $27.99 Per Month

LifeLock coupon

Identity Guard®

Family Plan®

$27.99/month

$29.99/regularly

30 DAYS FREE*

 

Enroll now

  • $1M Total Service Guarantee*
  • Quarterly Credit Scores and Reports
  • Black Market Website Surveillance
  • Lost/Stolen Wallet Protection

  • Includes everything from the Total Protection plan for two adults.
  • For $1 more than the couples plan, protects up to 15 children (proof of guardianship required to access child’s information) monitored as part of the kID Sure® program.

kID Sure® Program

Identity thieves are targeting children at an alarming rate since they have a clean credit profile. As a parent, you should make it a priority to have your children monitored. To combat this problem, Identity Guard created the kID Sure® program.

Here’s what the program monitors:

  • Child’s ID Footprint Report w/ Analysis
  • Public Records Monitoring
  • Social Security Number Monitoring
  • Registered Bank Accounts Monitoring
  • Prompt Monitoring Alerts
  • Personal Recovery Assistance
  • Unlimited Toll-Free Customer Service

Fine print of kID Sure® program

Parents are obligated to submit documented proof of legal guardianship. As a parent you must agree that:

  • Each child you enroll must reside at your address
  • Provide documents that prove the legitimacy of the child you want to enroll
  • You must be the parent or legal guardian of any child you sign up for the program

Identity Guard Review: Best for family protection and frequent travelers

Identity Guard® has built a strong reputation in the identity theft protection industry. For over 20 years, it’s protected 47 million members and still boasts an A+ rating with the BBB.

Identity Guard® shines in the following areas:

  • Sending Suspicious Activity Alerts via Text, Phone, or Email
  • Anti-Keylogging Software and Anti-Virus Software
  • Quarterly or Monthly Credit Scores & Reports (Excludes Essentials plan)
  • Lost Wallet Protection – Receive up to $2,000 in emergency cash
  • $1 Million Identity Theft Reimbursement Insurance
  • Convenient Mobile App

identity guard total protection

Peace of Mind While Traveling

If you travel often, then Identity Guard is the right choice for you. If for any reason you lose or have your wallet stolen, Identity Guard will send you up to $2,000 of emergency cash wherever you are. No other identity theft protection company has this fantastic benefit.

Best Family Plan in the Industry

Identity Guard® added two new plans to the mix that’s available to our readers at a discounted rate compared to Identity Guard’s website. There’s the Couples Plan (Which covers two adults) for $26.99 and the Family Plan – (Which covers two adults + up to 15 children under 18 years old) for only $1 more for a total of $27.99. The adults receive the Total Protection plan for both plans and children receive – Child identity monitoring (kID Sure® program).

Identity Guard Protects in 3 ways:

  • Protecting: Identity Guard’s services help protect you from becoming a victim in the first place.
  • Identity Monitoring: If there are suspicious changes to your identity, you’ll be alerted via phone/email.
  • Recover: If you become a victim, identity Guard will spend up to $1M on experts to restore your identity.

Some critics of identity theft protection believe that you can do what Identity Guard does on your own without having to pay a monthly fee.

There are 3 different plans to choose from depending on the level of protection (Essentials $8.99, Total Protection $16.99, and Platinum $22.99 per month) and 2 family plans to choose from (Couples $26.99, Family $27.99 per month). –These prices are discounted by signing up through our site.

Identity Guard vs. DIY

Suspicious Activity AlertsSuspicious Activity Alerts

suspicious-activity-alerts

How it Protects – Identity Guard will send you an alert via phone/email anytime you or someone else tries to apply for any credit related product.

DIY – You can request a fraud alert with each credit bureau, however, you will not be alerted by the creditor to verify it is actually you applying for credit.

Lost Wallet ProtectionLost Wallet Protection

How it Protects – If your wallet is lost/stolen, Identity Guard can cancel your credit card accounts and provide you up to $2,000 emergency cash from an account of your choice.

DIY – You can make the necessary calls to cancel your cards, however, Identity Guard can send you up to $2,000 of emergency money.

ID Vault Password ProtectionID Vault Password Protection

How it Protects – ID vault encrypts and stores all your usernames, passwords, and credit card information all in one safe place with 1-click access for your convenience.

DIY – Most computers have this feature installed already, however, there is an extra level of encryption that Identity Guard provides to keep your passwords, usernames, and credit card information secure.

$1M Identity Insurance$1M Identity Insurance

How it Protects – If you become a victim of identity theft, you can receive loss coverage of up to $1 million to hire the right team of professionals who will restore your identity.

DIY – If you need to hire necessary experts to restore your identity, it will come out of your pocket. You may get your money reimbursed from your bank or credit card company, but they won’t give additional funds to restore your identity.

Internet MonitoringInternet Monitoring

How it Protects – Your identity is monitored on black market websites, secret chat rooms, and underground forums to see if your personal information is used illegally. If any risky information is found, you will be alerted immediately.

DIY – It’s impossible to have sophisticated software that’s capable of what Identity Guard can do by monitoring black market websites.

Recovery AssistanceRecovery Assistance

How it Protects – You will have access to the customer service experts in case you become a victim of identity theft. You can call 1-800-452-2541 and speak to a live representative to resolve your issues.

DIY – If you become a victim of identity theft, you’ll have to make all the time consuming phone calls yourself and figure out how to restore your identity on your own.

Account Takeover AlertsAccount Takeover Alerts

How it Protects – Identity Guard will alert you if – you, or someone pretending to be you – tries to change or add information to your financial accounts.

DIY – You would need high tech software with the capability of notifying you when any changes occur to your accounts.

Identity Guard Total Protection: These benefits include everything from the Essential Plan and more:

Quarterly Credit Reports and ScoresQuarterly Credit Reports and Scores

How it Protects – You receive quarterly credit reports and scores from all 3 credit bureaus. Stay up-to-date on your credit accounts and see if anything looks out of the ordinary.

DIY – The only way you can do this is by paying fees to receive your credit reports.

3 Bureau Credit Monitoring3 Bureau Credit Monitoring

How it Protects – Your credit profile is monitored 24/7 with all 3 credit bureaus. You will be alerted immediately by phone/email if there are any new inquiries made by creditors in your name.

DIY – You can request a fraud alert to each bureau, however, you couldn’t monitor your identity with the credit bureaus on your own without sophisticated software.

Address Change Monitoring Address Change Monitoring

How it Protects – You will be alerted anytime there is an address change detected within their system.

DIY – Address changes show up on your credit report. You can request a free credit monitoring account with Credit Karma – it’s good for this.

3 Bureau Credit Analyzer3 Bureau Credit Analyzer

How it Protects – This simulation tool let’s you explore how certain financial decisions may impact your credit score. You can create a scenario by seeing what will happen when making payments, transferring balances, making credit inquiries, and more.

DIY – Most credit card companies offer this service as well.

Use of Mobile APPUse of Mobile APP

How it Protects – Install the mobile app for quick and secure access to your alerts, credit scores, and more. Available for both Android and iOS.

DIY – N/A if you are monitoring your identity on your own.

Public Record MonitoringPublic Record Monitoring

How it Protects – Identity Guard will monitor and alert you to changes such as: names and aliases, address history, licenses and registrations, and criminal records.

DIY – You couldn’t do this on your own unless you had specific software that monitors the public databases across the country.

Keyboard Encryption SoftwareKeyboard Encryption Software

How it Protects – PrivacyProtect® software encrypts your keystrokes on your PC, making it very difficult for keyloggers to steal your passwords and PINs.

DIY – You would have to go and buy software to protect your computer instead of receiving it for free through Identity Guard.

Anti-Virus SoftwareAnti-Virus Software

How it Protects – You receive protection for your PC which includes: anti-virus, anti-spyware, and firewall software.

DIY – You could go and purchase a competing software but it will cost you extra instead of just receiving it at no additional cost through Identity Guard.

Identity Guard Platinum: includes everything from the Total Protection Plan but instead of quarterly credit reports and scores, you receive them monthly!

Identity Guard Review Wrap-Up

By becoming an Identity Guard member, you’re paying for convenience and peace of mind. You don’t want to waste your time having to worry if someone is using your identity. There are more important things in life to spend your precious time on.

The lost wallet protection feature is the best in the industry, so if you travel often, this should be a “no brainer” for you. Receiving anti-virus software is a nice benefit since you won’t have to worry about buying it separately on your own. The only downside is that it’s for PC’s only. Sorry Apple users.

If you have a family, then this is the membership for you. You can monitor your entire household for under $30 a month and receive all the perks along the way.

Identity Guard is our top choice for identity theft protection. The variety of plans and features are superior to competing companies.If you’re still having second thoughts, why not try their 30 day risk free offer which includes 10% off the membership. You can cancel anytime if you don’t like their service.

Featured Plans Essentials

$8.99/mo
$9.99/month/regularly
Total Protection

$16.99/mo
$19.99/month regularly
Platinum

$22.99/mo
$24.99/month/regulary
Social Security Number Monitoring c c c
Online “Black Market” Monitoring c c c
ID verification Alerts c c c
Account Takeover Alerts c c c
Identity Theft Victim Assistance c c c
Lost Wallet Protection c c c
$1 Million Identity Theft Insurance c c c
ID Vault Password Protection c c c
Address Change Monitoring c c c
3-Bureau Credit Monitoring c c c
Credit Report Updates c c c
Credit Scores c c c
Credit Score Updates c c Quarterly c Monthly
3-Bureau Credit Analzyer c c c
Account Access via Mobile App c c c
Public Record Monitoring c c c
PC Keyboard Encryption Software c c c
PC Antivirus Software c c c

The homepage of Identity Guard® shows an overview of the plan you’ve subscribed to. The interface is easy to read and shows you everything you need to know about your identity protection. If you want complete protection with Identity Guard®, you will want to activate all the available options shown on your screen.

Identity guard home page

Credit Scores & Reports

Unlike other identity theft protection companies, Identity Guard goes the extra mile and allows you to view all of your credit scores from the three credit bureaus. The Credit Information section allows you to view your credit scores and credit reports. The Analyzer tool helps you understand the causes and effects of your credit score. It also describes certain elements regarding your credit report.

2534-identity-guard25

LifeLock coupon

Identity Guard®

ESSENTIALS

$8.99/month

$98.90/annual

30 DAYS FREE*

 

Enroll now

  • $1 Million Identity Insurance
  • Lost/Stolen Wallet Protection
  • Identity Guard Alert System
  • Internet Black Market Monitoring

Public Report Summary

Identity Guard® summarizes the number of times your personal information is found on the Internet. It also identifies the specific information that’s found and where on the Internet it’s showing up. The Monitored Data section shows exactly what personal information is currently being monitored, and you can also add several bank accounts as well as credit cards.

2534-identity-guard27

Computer Software Tools

The computer protection services section has software you can download to help protect your computer. Protecting your computer is another measure you can take to protect your identity and Identity Guard® offers these options exclusively to its members. ZoneAlarm® protects your PC from viruses, malware, and spyware. PrivacyProtect® is an anti-logging software that keeps identity thieves from stealing your password. Lastly, ID Vault® secures login access to accounts.

computer software tools

Message Center

Identity Guard® sends you messages on a need-to-know basis when crucial information or changes come up regarding your identity. A helpful tool that helps you filter the types of messages you want to read and go through is also available.

message center

“We shall be excess over any other insurance, including, without limitation, homeowner’s or renter’s insurance. If you have other insurance that applies to a loss under this policy, the other insurance shall pay first. This policy applies to the amount of loss that is in excess of the Limit of Insurance of your other insurance. In no event shall we pay more than our Limits of Insurance as shown above.”

In simpler terms: Identity Guard® is claiming that they are a secondary insurance to any other insurance that may apply to the member’s policy. If there is any money that the primary insurance company can’t cover, then the rollover amount will be picked up by Identity Guard.

Identity Guard® leverages a service called CashEdge provided by Fiserv, which is used for account aggregation. In the event that your identity is stolen, Identity Guard will send you ITAC Sentinel for recovery and assistance rather than work with them directly.

Limits of Insurance

  • Elderly, Spousal and Child Care: $2,000 per policy period
  • Travel Expenses: $1,000 per policy period
  • Lost Wages: $2,000 per week for up to 5 weeks every policy period
  • Legal costs are a part of the insurance limit.

Protect Your Child’s Future for $5/month with Identity Guard’s KidSure Program

kid sure identity theft programYou are obligated to submit documented proof of legal guardianship when signing your children up for KidSure. In addition, Identity Guard’s KidSure program is limited to a maximum of 15 children. If you apply for Minor Monitoring, you agree that:

  • Every child you sign up with Minor Monitoring must reside at your recorded address legally
  • Provide documents that assert the validity of the name you provide
  • You are required to be the parent or legal guardian or any child you sign up for Minor Monitoring

You are required to provide a copy of:

  • Your child’s birth certificate
  • Your Social Security card
  • Your driver’s license
  • Any document that can be used to verify that you are the legal guardian of each child you are signing up for KidSure.

Cancelation and Refund Policies

Many customers have repeatedly reported that Identity Guard’s policies are transparent. We strongly encourage current and potential customers to take advantage of this transparency and read all the terms and disclosures before doing business with Identity Guard or any other company for that matter.

The refund policy is one of the areas where Identity Guard® explains its company practices explicitly.

Cancelations During a Free Trial

  • New customers will be allowed a period of 30 days to try Identity Guard® products during which they won’t be charged a monthly subscription fee.
  • All cancelations should be reported to one of Identity Guard’s customer service reps via phone at 1-800-452-2541.

Current Customers with Monthly Subscriptions

  • Those who have paid for Identity Guard® packages on a monthly basis can cancel their memberships at any time they wish to.
  • Like free membership cancelations, one can only process their cancelations by calling a customer service representative at Identity Guard (1-800-452-2541).
  • Identity Guard® does not offer prorated or partial month refunds for the remaining period of a monthly membership.
  • In the event that a member of Identity Guard cancels their monthly subscription, they will continue to have access to their services for the remaining part of the month.

Current Customers with Annual Subscriptions

  • As with all the other products above, cancelation for an annual subscription must be done via a phone call to an Identity Guard® customer care representative.
  • Identity Guard® asserts that those who subscribe annually are liable for a refund for their unused service time. This means that even if the remaining amount is less than $1, then that’s what a the customer will receive.
  • After cancelation, members will still continue to have access to their services, account, and its features but only for thirty (30) days.
  • Those who subscribe to Identity Guard’s service packages via telephone are charged $1.00 as verification fee which is non-refundable.

Refund Policy of Non-Subscription Services and Products

  • Identity Guard® offers their customers some services including updated single or triple-bureau credit report.
  • Since these products cannot be returned once electronically delivered, they are not refundable as well.

Identity Guard® Essentials / $8.99 Per Month

LifeLock coupon

Identity Guard®

ESSENTIALS®

$8.99/month

$9.99/regularly

30 DAYS FREE*

 

Enroll now

  • $1 Million Identity Insurance
  • Lost/Stolen Wallet Protection
  • Identity Guard® Alert System
  • Internet Black Market Monitoring

Identity Guard Suspicious Activity Alerts

Anytime you or someone pretending to be you tries to update information to your current accounts (address changes, bank passwords, etc.) or applies for a new credit card, cell phone, or any other credit product – Identity Guard® will send you an alert via phone, text, or email. You will be able to confirm if the activity is valid or if you will have to take safety measures if you think it’s fraud.

Internet Monitoring

Identity Guard® monitors black market websites‚ secret chat rooms‚ and underground forums to see if your credit card number, bank account or Social Security Number is used fraudulently. If any risky information pops up, they will notify you immediately.

Lost Wallet Protection

If you lose your wallet through theft or otherwise, Identity Guard® can cancel your credit card accounts and provide you with up to $2,000 emergency cash from an account of your choice.

Identity Monitoring

Their comprehensive monitoring tools scour thousands of databases for you‚ promptly alerting you if your Social Security Number is detected. This will allow you to protect your data before an identity thief can cause additional damage.

Recovery Assistance

You will have access to ITAC Victim Assistance which provides expert advice and support in case you become a victim of identity theft. You can call 1-800-452-2541 and speak to a live representative to resolve your issues.

Online Resources & Tools

The company offers educational materials to spread awareness along with calculators that members can use in case the need arises.

$1 Million Identity Insurance

In case you become a victim of identity theft, you can be provided with loss coverage of up to $1 million to hire the right team of professionals who will restore your identity.

Identity Guard® Total Protection / $16.99 Per Month

LifeLock coupon

Identity Guard®

Total Protection®

$16.99/month

$19.99/regularly

30 DAYS FREE*

 

Enroll now

  • Quarterly Credit Scores and Reports
  • PC Antivirus Software
  • Address Change Monitoring
  • 3 Bureau Credit Analyzer

In addition to all the services outlined above, the Total Protection package has the following unique features:

Anti-Virus Software

It’s a PC software protection software package that allows you to install an anti-virus, anti-spyware and firewall software on your computer.

Credit Analyzer

This tool uses information from the credit bureaus to predict your credit and future finances. With this tool, you can make informed decisions when opening or closing accounts, making payments, creating additional credit inquiries and more.

Mobile App

Identity Guard’s downloadable mobile application allows users to monitor alerts and credit scores wherever and whenever they want.

Address Monitoring

Changing the physical address on someone’s account is still one of the most popular methods used by identity thieves. Identity Guard® will alert you whenever a change in your address is detected within their system.

3 Bureau Credit Monitoring

This feature alerts you if any major changes are made to your credit report by any of the credit bureaus including TransUnion, Experian, and Equifax. This feature is also inclusive of new loans and applications.

Public Records Monitoring

The company monitors all public records and alerts you if any changes are made to criminal or civil court records, registrations, names or aliases, licenses, and bankruptcy files etc.

Keystroke Encryption Software

Identity Guard® offers a software called PrivacyProtect® that encrypts keystrokes making them unintelligible to identity thieves. This ensures that your information is kept safe when on wireless networks.

Password Protection Software

ID Vault® encrypts and stores all of your important log in information securely.

Quarterly Credit Reports

The average person doesn’t even look at their credit report once a year, and that’s alarming. This feature allows you to visit Identity Guard’s dashboard and view your credit reports from TransUnion, Experian and Equifax every 3 months.

Quarterly Credit Scores

You can access your updated credit scores from all 3 credit bureaus every 3 months. Having continual access to your credit scores allows you to study them and have a better understanding of your credit worthiness when it’s time to apply for credit.

Identity Guard® Platinum / $22.99 Per Month

LifeLock coupon

Identity Guard®

Platinum®

$22.99/month

$24.99/regularly

30 DAYS FREE*

 

Enroll now

  • Monthly Credit Scores and Reports
  • PC Antivirus Software
  • Address Change Monitoring
  • 3 Bureau Credit Analyzer

  • Includes everything from the Total Protection plan but instead of quarterly credit reports and scores, you get them MONTHLY! You can stay even more proactive with your credit file and be able to spot any new changes even faster.

Identity Guard® Couples Plan / $26.99 Per Month

LifeLock coupon

Identity Guard®

Couples Plan®

$26.99/month

$27.99/regularly

30 DAYS FREE*

 

Enroll now

  • $1M Total Service Guarantee*
  • Quarterly Credit Scores and Reports
  • Black Market Website Surveillance
  • Lost/Stolen Wallet Protection

  • Includes everything from the Total Protection plan but for only $10 more a month you add a second person to the policy.

Identity Guard® Family Plan / $27.99 Per Month

LifeLock coupon

Identity Guard®

Family Plan®

$27.99/month

$29.99/regularly

30 DAYS FREE*

 

Enroll now

  • $1M Total Service Guarantee*
  • Quarterly Credit Scores and Reports
  • Black Market Website Surveillance
  • Lost/Stolen Wallet Protection

  • Includes everything from the Total Protection plan for two adults.
  • For $1 more than the couples plan, protects up to 15 children (proof of guardianship required to access child’s information) monitored as part of the kID Sure® program.

kID Sure® Program

Identity thieves are targeting children at an alarming rate since they have a clean credit profile. As a parent, you should make it a priority to have your children monitored. To combat this problem, Identity Guard created the kID Sure® program.

Here’s what the program monitors:

  • Child’s ID Footprint Report w/ Analysis
  • Public Records Monitoring
  • Social Security Number Monitoring
  • Registered Bank Accounts Monitoring
  • Prompt Monitoring Alerts
  • Personal Recovery Assistance
  • Unlimited Toll-Free Customer Service

Fine print of kID Sure® program

Parents are obligated to submit documented proof of legal guardianship. As a parent you must agree that:

  • Each child you enroll must reside at your address
  • Provide documents that prove the legitimacy of the child you want to enroll
  • You must be the parent or legal guardian of any child you sign up for the program

About Identity Guard®

Identity Guard® was created more than twenty years ago to offer all customers the trusted protection that was once available only to major financial institutions. As a leading provider of consumer and corporate identity risk management services‚ Identity Guard offers a variety of premier identity theft‚ privacy, and consumer solutions.

Pros

Identity Guard® has built a strong reputation in the industry for providing a superior product than its competitors. It boasts an A+ rating with the BBB, click here to see for yourself. A consumer survey conducted recently cites Identity Guard as one of the top performing identity theft protection firms in the industry.

There are three different memberships that include: Identity Guard® Essentials, Identity Guard® Total Protection, and Identity Guard® Platinum. The monthly fee for all the above packages ranges from as little as $8.99 to $22.99. In addition to the competitive prices, all packages currently come with a 30-day free trial period that allows consumers to test the service and determine which best suits their needs.

Identity Guard® shines in the following areas:

  • Sending Suspicious Activity Alerts via Text, Phone, or Email
  • Anti-Keylogging Software and Anti-Virus Software
  • Quarterly or Monthly Credit Scores & Reports (Excludes Essentials plan)
  • Lost Wallet Protection – Receive up to $2,000 in emergency cash
  • $1 Million Identity Theft Reimbursement Insurance
  • Convenient Mobile App

identity guard total protection

Identity Guard uses 3 levels of service when protecting their customers and they are:

1) Identity and Credit Monitoring

The innovative and proactive technology monitors your personal and financial information to help you stay aware of your identity. If there are suspicious changes to your credit profile, you’ll be alerted quickly by your preference of – phone, text, or email.

Identity Guard® offers 3 bureau credit scores and reports (either monthly or quarterly) to its members depending on the plan they enroll in (excludes Essentials plan). Most competitors don’t offer 3 bureau scores and reports, which sets Identity Guard® ahead of the pack.

Every quarter (3 months), you’ll receive a report that informs you of all information found through public record monitoring. The report will include any new changes found or to let you know that everything looks fine.

2) Protecting Members from Identity Thieves

Unlike other competing companies that do little or nothing to protect your computer from outside attacks, Identity Guard® goes the extra mile by offering a product that protects its users. SafeConnex is a free protection software that ensures credit card numbers, sensitive computer passwords etc. are protected in a secure environment.

The software tools that come with membership are designed to help secure personal information and keep it out of the hands of “bad guys.” PrivacyProtect® encrypts keystrokes making them unreadable to malware. This will allow you to to browse the Internet securely without worrying about malware invading and stealing precious data from your computer.

ZoneAlarm® Internet Security software is a quick and easy download that helps keep PC’s safe from threats of antivirus‚ anti-spyware, and includes firewall protection.

ID Vault® stores all login credentials and credit card information which allows for secure‚ one-click access to on-line shopping‚ banking, and other important accounts.

3) Recovering from Identity Theft

If any personal information is stolen, Identity Guard and its representatives will do everything in their power to restore your identity and get your life back. Their recovery assistance team will help guide your recovery and find a resolution.

Identity Guard® will spend up to $1 million in identity theft insurance expenses that results from identity theft.

If your wallet is lost/stolen, Identity Guard’s Lost Wallet Protection will help cancel and re-order new credit cards. A wonderful perk that comes in handy especially while vacationing abroad is having access of up to $2,000 from one of your bank accounts.

Best Family Plan in the Industry

Identity Guard® has recently added two new plans to the mix that will be available to our readers at a discounted rate compared to Identity Guard’s website. There’s the Couples Plan (Which covers two adults) for $26.99 and the Family Plan – (Which covers two adults + up to 15 children under 18 years old) for only $1 more for a total of $27.99. The adults receive the Total Protection plan for both plans and children receive – Child identity monitoring (kID Sure® program).

The Family Plan is cost effective for families since the kID Sure® program normally costs $9.99 per child. For families with multiple children, this is the way to go to protect everyone’s identity.

Partnerships with Other White-Label Endorsing Companies

To ensure provision of top quality services, Identity Guard® works in partnership with The University of Texas to research and identify trends in identity theft and fraud as well as collect information/data. This research is specifically geared towards enhancement of national, business and individual identity security.

Identity Guard® not only provides protection products for its clientele, but it also provides its services to firms that are willing to invest in white-label protection for their customers. This allows the reselling companies to pass attractive discounts to their clients.

Companies that invest in Identity Guard’s white-label products always benefit from discounted prices. A few of the firms that use white-label identity products by Identity Guard for their customers at the moment include Bank of America along with many others.

Cons

  • No Credit Freezes
  • No Medical ID Monitoring

The refund policy of Identity Guard® states that clients who are annual subscribers receive pro-rated refunds. It, however, doesn’t mention the annual pricing or discounts anywhere else in its extensive materials. Consequently, this has led to confusion of many potential clients.

Perhaps the main and only downer of SafeConnex is that it’s only compatible with Windows devices. Apple users cannot benefit from it.

Those who subscribe to either the Identity Guard® Platinum or Identity Guard® Total Protection packages receive three bureau credit monitoring. On the other hand, the Identity Guard Essentials package does not come with 3 bureau credit monitoring.

Identity Guard vs. DIY

Suspicious Activity AlertsSuspicious Activity Alerts

How it Protects – Identity Guard will send you an alert via phone/email anytime you or someone else tries to apply for any credit related product.

DIY – You can request a fraud alert with each credit bureau, however, you will not be alerted by the creditor to verify it is actually you applying for credit.

Lost Wallet ProtectionLost Wallet Protection

How it Protects – If your wallet is lost/stolen, Identity Guard can cancel your credit card accounts and provide you up to $2,000 emergency cash from an account of your choice.

DIY – You can make the necessary calls to cancel your cards, however, Identity Guard can send you up to $2,000 of emergency money.

ID Vault Password ProtectionID Vault Password Protection

How it Protects – ID vault encrypts and stores all your usernames, passwords, and credit card information all in one safe place with 1-click access for your convenience.

DIY – Most computers have this feature installed already, however, there is an extra level of encryption that Identity Guard provides to keep your passwords, usernames, and credit card information secure.

$1M Identity Insurance$1M Identity Insurance

How it Protects – If you become a victim of identity theft, you can receive loss coverage of up to $1 million to hire the right team of professionals who will restore your identity.

DIY – If you need to hire necessary experts to restore your identity, it will come out of your pocket. You may get your money reimbursed from your bank or credit card company, but they won’t give additional funds to restore your identity.

Internet MonitoringInternet Monitoring

How it Protects – Your identity is monitored on black market websites, secret chat rooms, and underground forums to see if your personal information is used illegally. If any risky information is found, you will be alerted immediately.

DIY – It’s impossible to have sophisticated software that’s capable of what Identity Guard can do by monitoring black market websites.

Recovery AssistanceRecovery Assistance

How it Protects – You will have access to the customer service experts in case you become a victim of identity theft. You can call 1-800-452-2541 and speak to a live representative to resolve your issues.

DIY – If you become a victim of identity theft, you’ll have to make all the time consuming phone calls yourself and figure out how to restore your identity on your own.

Account Takeover AlertsAccount Takeover Alerts

How it Protects – Identity Guard will alert you if – you, or someone pretending to be you – tries to change or add information to your financial accounts.

DIY – You would need high tech software with the capability of notifying you when any changes occur to your accounts.

Identity Guard Total Protection: These benefits include everything from the Essential Plan and more:

Quarterly Credit Reports and ScoresQuarterly Credit Reports and Scores

How it Protects – You receive quarterly credit reports and scores from all 3 credit bureaus. Stay up-to-date on your credit accounts and see if anything looks out of the ordinary.

DIY – The only way you can do this is by paying fees to receive your credit reports.

3 Bureau Credit Monitoring3 Bureau Credit Monitoring

How it Protects – Your credit profile is monitored 24/7 with all 3 credit bureaus. You will be alerted immediately by phone/email if there are any new inquiries made by creditors in your name.

DIY – You can request a fraud alert to each bureau, however, you couldn’t monitor your identity with the credit bureaus on your own without sophisticated software.

Address Change Monitoring Address Change Monitoring

How it Protects – You will be alerted anytime there is an address change detected within their system.

DIY – Address changes show up on your credit report. You can request a free credit monitoring account with Credit Karma – it’s good for this.

3 Bureau Credit Analyzer3 Bureau Credit Analyzer

How it Protects – This simulation tool let’s you explore how certain financial decisions may impact your credit score. You can create a scenario by seeing what will happen when making payments, transferring balances, making credit inquiries, and more.

DIY – Most credit card companies offer this service as well.

Use of Mobile APPUse of Mobile APP

How it Protects – Install the mobile app for quick and secure access to your alerts, credit scores, and more. Available for both Android and iOS.

DIY – N/A if you are monitoring your identity on your own.

Public Record MonitoringPublic Record Monitoring

How it Protects – Identity Guard will monitor and alert you to changes such as: names and aliases, address history, licenses and registrations, and criminal records.

DIY – You couldn’t do this on your own unless you had specific software that monitors the public databases across the country.

Keyboard Encryption SoftwareKeyboard Encryption Software

How it Protects – PrivacyProtect® software encrypts your keystrokes on your PC, making it very difficult for keyloggers to steal your passwords and PINs.

DIY – You would have to go and buy software to protect your computer instead of receiving it for free through Identity Guard.

Anti-Virus SoftwareAnti-Virus Software

How it Protects – You receive protection for your PC which includes: anti-virus, anti-spyware, and firewall software.

DIY – You could go and purchase a competing software but it will cost you extra instead of just receiving it at no additional cost through Identity Guard.

Identity Guard Platinum: includes everything from the Total Protection Plan but instead of quarterly credit reports and scores, you receive them monthly!

Identity Guard Review Wrap-Up

By becoming an Identity Guard member, you’re paying for convenience and peace of mind. You don’t want to waste your time having to worry if someone is using your identity. There are more important things in life to spend your precious time on.

The lost wallet protection feature is the best in the industry, so if you travel often, this should be a “no brainer” for you. Receiving anti-virus software is a nice benefit since you won’t have to worry about buying it separately on your own. The only downside is that it’s for PC’s only. Sorry Apple users.

If you have a family, then this is the membership for you. You can monitor your entire household for under $30 a month and receive all the perks along the way.

Identity Guard is our top choice for identity theft protection. The variety of plans and features are superior to competing companies.If you’re still having second thoughts, why not try their 30 day risk free offer which includes 10% off the membership. You can cancel anytime if you don’t like their service.

Conclusion: Is Identity Guard® the Best Identity Theft Company?

Identity Guard® offers its clients a variety of packages whose features and pricing can cater to multiple price points. These packages are quite unique and competitive compared to those provided by competitors.

The benefits outweigh the negatives by a large margin. The sign-up process is very simple – from using the easy to navigate website – to speaking with their extremely professional customer support staff. You can view your credit score, public records, and retrieve more valuable information directly from the easy-to-use dashboard.

Identity Guard’s lost wallet protection feature is better than its competitors due to the fact that you can receive up to $2,000 of emergency money. The added benefits of antivirus software and keystroke encryption just makes their case that much stronger as a leader in the industry.

Identity Guard® is our top recommended provider of identity theft protection due to its overall monitoring and the multiple perks provided to its members.

Featured Plans Essentials

$899/mo
PLUS APPLICABLE
SALES TAX
Total Protection

$1699/mo
PLUS APPLICABLE
SALES TAX
Platinum

$2299/mo
PLUS APPLICABLE
SALES TAX
Social Security Number Monitoring c c c
Online “Black Market” Monitoring c c c
ID verification Alerts c c c
Account Takeover Alerts c c c
Identity Theft Victim Assistance c c c
Lost Wallet Protection c c c
$1 Million Identity Theft Insurance c c c
ID Vault Password Protection c c c
Address Change Monitoring c c c
3-Bureau Credit Monitoring c c c
Credit Report Updates c c c
Credit Scores c c c
Credit Score Updates c c Quarterly c Monthly
3-Bureau Credit Analzyer c c c
Account Access via Mobile App c c c
Public Record Monitoring c c c
PC Keyboard Encryption Software c c c
PC Antivirus Software c c c

The homepage of Identity Guard® shows an overview of the plan you’ve subscribed to. The interface is easy to read and shows you everything you need to know about your identity protection. If you want complete protection with Identity Guard®, you will want to activate all the available options shown on your screen.

Identity guard home page

Credit Scores & Reports

Unlike other identity theft protection companies, Identity Guard goes the extra mile and allows you to view all of your credit scores from the three credit bureaus. The Credit Information section allows you to view your credit scores and credit reports. The Analyzer tool helps you understand the causes and effects of your credit score. It also describes certain elements regarding your credit report.

2534-identity-guard25

LifeLock coupon

Identity Guard®

ESSENTIALS

$8.99/month

$98.90/annual

30 DAYS FREE*

 

Enroll now

  • $1 Million Identity Insurance
  • Lost/Stolen Wallet Protection
  • Identity Guard Alert System
  • Internet Black Market Monitoring

Public Report Summary

Identity Guard® summarizes the number of times your personal information is found on the Internet. It also identifies the specific information that’s found and where on the Internet it’s showing up. The Monitored Data section shows exactly what personal information is currently being monitored, and you can also add several bank accounts as well as credit cards.

2534-identity-guard27

Computer Software Tools

The computer protection services section has software you can download to help protect your computer. Protecting your computer is another measure you can take to protect your identity and Identity Guard® offers these options exclusively to its members. ZoneAlarm® protects your PC from viruses, malware, and spyware. PrivacyProtect® is an anti-logging software that keeps identity thieves from stealing your password. Lastly, ID Vault® secures login access to accounts.

computer software tools

Message Center

Identity Guard® sends you messages on a need-to-know basis when crucial information or changes come up regarding your identity. A helpful tool that helps you filter the types of messages you want to read and go through is also available.

message center

Fine Print

“We shall be excess over any other insurance, including, without limitation, homeowner’s or renter’s insurance. If you have other insurance that applies to a loss under this policy, the other insurance shall pay first. This policy applies to the amount of loss that is in excess of the Limit of Insurance of your other insurance. In no event shall we pay more than our Limits of Insurance as shown above.”

In simpler terms: Identity Guard® is claiming that they are a secondary insurance to any other insurance that may apply to the member’s policy. If there is any money that the primary insurance company can’t cover, then the rollover amount will be picked up by Identity Guard.

Identity Guard® leverages a service called CashEdge provided by Fiserv, which is used for account aggregation. In the event that your identity is stolen, Identity Guard will send you ITAC Sentinel for recovery and assistance rather than work with them directly.

Limits of Insurance

  • Elderly, Spousal and Child Care: $2,000 per policy period
  • Travel Expenses: $1,000 per policy period
  • Lost Wages: $2,000 per week for up to 5 weeks every policy period
  • Legal costs are a part of the insurance limit.

Protect Your Child’s Future for $5/month with Identity Guard’s KidSure Program

kid sure identity theft programYou are obligated to submit documented proof of legal guardianship when signing your children up for KidSure. In addition, Identity Guard’s KidSure program is limited to a maximum of 15 children. If you apply for Minor Monitoring, you agree that:

  • Every child you sign up with Minor Monitoring must reside at your recorded address legally
  • Provide documents that assert the validity of the name you provide
  • You are required to be the parent or legal guardian or any child you sign up for Minor Monitoring

You are required to provide a copy of:

  • Your child’s birth certificate
  • Your Social Security card
  • Your driver’s license
  • Any document that can be used to verify that you are the legal guardian of each child you are signing up for KidSure.

Cancelation and Refund Policies

Many customers have repeatedly reported that Identity Guard’s policies are transparent. We strongly encourage current and potential customers to take advantage of this transparency and read all the terms and disclosures before doing business with Identity Guard or any other company for that matter.

The refund policy is one of the areas where Identity Guard® explains its company practices explicitly.

Cancelations During a Free Trial

  • New customers will be allowed a period of 30 days to try Identity Guard® products during which they won’t be charged a monthly subscription fee.
  • All cancelations should be reported to one of Identity Guard’s customer service reps via phone at 1-800-452-2541.

Current Customers with Monthly Subscriptions

  • Those who have paid for Identity Guard® packages on a monthly basis can cancel their memberships at any time they wish to.
  • Like free membership cancelations, one can only process their cancelations by calling a customer service representative at Identity Guard (1-800-452-2541).
  • Identity Guard® does not offer prorated or partial month refunds for the remaining period of a monthly membership.
  • In the event that a member of Identity Guard cancels their monthly subscription, they will continue to have access to their services for the remaining part of the month.

Current Customers with Annual Subscriptions

  • As with all the other products above, cancelation for an annual subscription must be done via a phone call to an Identity Guard® customer care representative.
  • Identity Guard® asserts that those who subscribe annually are liable for a refund for their unused service time. This means that even if the remaining amount is less than $1, then that’s what a the customer will receive.
  • After cancelation, members will still continue to have access to their services, account, and its features but only for thirty (30) days.
  • Those who subscribe to Identity Guard’s service packages via telephone are charged $1.00 as verification fee which is non-refundable.

Refund Policy of Non-Subscription Services and Products

  • Identity Guard® offers their customers some services including updated single or triple-bureau credit report.
  • Since these products cannot be returned once electronically delivered, they are not refundable as well.

Identity Guard® Q and A

The credit scores reported by Identity Guard are as accurate as it can possibly get. Identity Guard monitors and derives its credit scores from all 3 credit bureaus. They don’t create their own credit profiles for credit worthiness. They use the expertise of Transunion, Equifax, and Experian to report the results for their customer base.

There’s the Couples Plan (Which covers two adults) for $26.99 and the Family Plan – (Which covers two adults + up to 15 children) for only $1 more for a total of $27.99. Adults receive the Total Protection plan for both plans and children receive – Child identity monitoring (kID Sure® program)..

Identity Guard protects by using the most up-to-date technology that monitors the personal and financial information of its customers. Identity Guard provides software to its customers to help secure private information so it stays out of the hands of identity thieves. Prompt alerts are sent by either text, phone, email, or mobile app if there happens to be any suspicious activity.

Identity Guard works by using state-of-the-art technology that monitors personal and financial information that assists customers by alerting them of identity theft. If there is a suspicious transaction that seems fraudulent, Identity Guard will send a fraud alert to the customer by text, phone, or email. If the customer confirms that a transaction is fraudulent, the Identity Guard team will be on the case to make sure no damage can be inflicted.

Both LifeLock and Identity Guard offer the same services except for a few differences. They both offer 3 different tiered plans, but LifeLock is the more expensive service of the two for the premium plan they offer. LifeLock offers a service guarantee and Identity Guard offers an insurance plan. Identity Guard is the favorable choice due to their insurance plan. With LifeLock’s service guarantee, you must prove that LifeLock’s system failed to notify you or they failed to stop the intrusion for you to receive reimbursement under their service guarantee. Identity Guard’s insurance plan will cover the customer as long as the intrusion happens while being a member, no matter what.

Identity Guard has been protecting millions of customers for 20 years and is considered a pioneer in the identity theft protection realm. They offer the most comprehensive protection amongst its competitors. It boasts an A++ rating with the BBB. Services rendered by Identity Guard are above and beyond good since they are considered an industry leader.

Identity Guard Total Protection provides multiple services that most competitors do not include in their plans. Identity Guard provides anti-virus, anti-sypware, and anti-keylogging software to keep their information protected and away from identity thieves. Identity Guard not only monitors all 3 credit bureaus when monitoring customers but also gives credit scores from all 3 bureaus as well. Many of Identity Guard’s competitors don’t offer such comprehensive service.

Identity Guard offers three different plans depending on the level of coverage a customer wants. The “Essentials” plan is cost effective at $9.99 per month. The “Total Protection” plan is a comprehensive plan for a price of $19.99 per month. The “Platinum” plan is the same as the “Total Protection” plan but also includes a monthly 3 credit score and 3 credit report as well for $24.99 per month.

Identity Guard updates credit scores according to the plan that has been enrolled by the customer. Two out of the three plans Identity Guard provides allows for credit scores to be displayed. The “Total Protection” plan includes quarterly credit scores from all three credit bureaus. The “Platinum” plan includes monthly credit scores from all three credit bureaus.

Using Identity Guard to monitor your identity is a precautionary method to keep your precious credit profile kept safe. The value of their service is to alert you more quickly if unauthorized credit applications are made so you can stop any intrusion before significant damage is caused. If there happens to be a breach while being a member, Identity Guard offers up to $1 million in identity theft insurance to cover losses due to identity theft.

Identity Guard monitors credit scores with all three major credit reporting agencies every day and alerts their customers if there are certain changes to their credit profile. When signing up for Identity Guard’s Total Protection or Platinum plans, all customers receive updates of their credit scores and reports from all three major credit bureaus.

Identity Guard uses cutting-edge technology that keeps an eye on your personal and financial information to help you stay alert and aware. Their job is to help protect you against identity theft and handle the situation for you if a breach happens to occur. They are considered to be one of the elite identity theft protection companies in the world.

Both companies are the best in the industry and both provide exceptional service. If you compare LIfelock’s Advantage plan against Identity Guard’s Total protection (both cost $19.99 a month), they both provide comparable services. What sets them apart, is that Identity Guard provides quarterly credit scores and reports where Lifelock only provides them once a year. The better value is choosing Identity Guard.

Identity Guard is a dedicated identity and credit protection company that was created by Intersections Inc. in 1996. They help protect financial information, public records, personal data, PC, and more. They provide outstanding protection services to over 38 million clients. Identity Guard is a pioneer in the industry and one of the most respected companies for identity theft protection.

The corporate headquarters for Identity Guard is located in Chantilly, VA. They can be contacted by telephone Toll-free: 1-800-452-2541. You can write to them here:
Identity Guard
Customer Service
P.O. Box 222455
Chantilly, VA 20153-2455

Identity Guard is a dedicated identity and credit protection company that was created by Intersections Inc. in 1996. They help protect financial information, public records, personal data, PC, and more. They have provided outstanding protection services to nearly 40 million clients. Identity Guard is a pioneer in the industry and one of the most respected companies for identity theft protection.

Identity Guard is owned by Intersections Inc. NASDAQ: (INTX) since 1996. Intersections has been providing elite identity theft protection services to major financial institutions along with helping protect identities of more than 38 million people. Intersections Inc. is partnered with the ITAC (Identity Theft Assistance Center) to provide innovative solutions to help benefit the financial community and families alike.

Identity Guard helps keep you safe from criminal activity and the negative consequences that may follow. If you’re looking for basic protection with access to credit scores all the way to complete comprehensive protection, then they’re the identity theft protection service you are looking for. If you ever become a victim of identity theft, their recovery experts will be there for you by giving the assistance you need to get your life back on track.

Identity Guard Photos

Login/Register access is temporary disabled

Looking for the best plan? 2016 Comparison Chart X