Latest Update: March 10, 2017
Millions of Americans rely on Identity Guard to keep their identities safe. You can feel comfortable doing the same, as Identity Guard ranks in the top three in it’s industry. But, there are many close-ranking options that you cannot ignore. With so many competitors, and varying subscription costs, what makes Identity Guard so special?
Read on and take advantage of the great difference Identity Guard can have in your life!
By the end of this review, you will know which Identity Guard plan is right for you!
Now, let’s get started…
What is Identity Guard?
Identity Guard is a credit report and identity theft protection company that offers lifesaving services.
You might not ever understand the true value in paying for such a service. If Identity Guard blocks out identity fraud attempts, the damage becomes unrealized. Yet, a case of credit or identity fraud could put you out of pocket for tens of thousands of dollars.
Plus, there is an immense value in being able to avoid the identity restoration process. If you can block out a fraud attempt, it might mean you avoid becoming an identity theft victim. This could save you many years of filling out paperwork and having your credit score kept low. And, don’t expect to qualify for many new credit lines when you just had your identity stolen.
Let’s Review All Types of Identity Guard Protection
Identity Guard offers protection plans against both identity theft and credit fraud, plus you can subscribe to a plan that offers both services at a discount. You can select whichever works best for you, but it’s a good idea to also think about the combined plans.
Later in this review, we will show you how you can make full coverage from Identity Guard cost as little as basic ID theft protection.
Now, let’s look at each of the three different types of protection offered by Identity Guard.
Identity Guard Essentials
Here’s your no strings attached, no frills added source for identity theft protection. You do not get any help with monitoring your credit report, but everything identity-based is kept safe. This plan gives you help in a multitude of ways, including some that will catch you off guard.
Identity Guard Essentials gives you:
Social Security Number (SSN) Monitoring: At any given point, your SSN could show up somewhere. Knowing when this happens gives you the ability to put a stop to identity fraud against you. If someone uses your SSN to apply for a loan, you get alerted right away and you have the help you need to take action.
Online Black Market Monitoring: The darknet is a place full of bad actors, and it’s a normal for these people to sell and share stolen identities. Whether you are the only victim, or one of thousands, black market monitoring can help. Identity Guard notifies you as soon as such an entry gets noticed. This is useful for online shopping purposes, as identities often get stolen once websites get hacked. After all, it’s impossible to keep track of all the stores you shopped at over the years.
ID Verification Alerts: A change to any of your account info, like addresses and passwords, will raise suspicion. To best protect you, Identity Guard notifies you whenever any of your account information gets changed. These alerts also get sent out whenever you try to apply for a new credit line. As you must validate any action for it to become real, this means you can put a full stop to identity theft attempts.
Lost Wallet Protection: A lost or stolen wallet is a common occurrence, and it can set you up for a real financial disaster. Identity Guard will help you cancel your active accounts, and they will even transfer you as much as $2,000 in emergency cash to keep your financials in order. From there, your credit report gets monitored and any identity theft attempt renders useless.
Victim Assistance: Identity Guard has a team of ID restoration specialists that are ready to help you. With a quick call, you can discuss your situation and find a healthy resolve. Plus, the $1 million of identity theft insurance is worth it’s weight in gold. This guarantees that you do not have to worry about losing a single cent, supposing you do become an identity theft victim.
Identity Guard Total Protection
Identity Guard Total Protection plan gives you a combination of Identity Guard Essentials identity theft protection and their credit monitoring service. You get all the features listed above, as well as a few others that will help to further protect your identity. And then, you also get a flurry of benefits that make it easy to keep track of your credit health and restoration status.
Besides the Essentials features, you will also get:
Address Change Monitoring: There is no more common action among identity fraudsters than a fraudulent address change. This is the most obvious way to be able to gather more information, making it possible to complete the fraud. With this type of protection, you find out when someone changes the address of one of your accounts. This means no mail will reach the fraudsters house, so your information will remain safe.
3-Bureau Credit Monitoring: You get credit monitoring from each of the three credit bureaus – Equifax, Experian, and TransUnion. Everything in your name gets tracked and you are always able to know of anything that has changed. This makes it easy to know the reasons behind your credit score calculation.
Credit Scores: The most important part of tracking your credit recovery is knowing your credit score. The Identity Guard Total protection plan gives you scores from each of the three bureaus, which you get once every three months. This is a good time frame, as once a month is often overkill and once a year is not enough. Since it takes a few months for a score shift to realize, you also don’t want to get misguided by changes that happen by the month.
3-Bureau Credit Analyzer: You have access to a simulator tool, which analyzes the cause and effect of your actions. This allows you to see what your actions can do to your credit score. It pulls information from each of your reports for greater accuracy. Whether you are thinking about applying for a loan or closing a credit card, you get to find out the implications ahead of time.
Public Record Monitoring: You never know the approach a fraudster will use to steal your identity and defraud you of your money. The added protection from public record monitoring lets you rest easy. Whether your name shows up in civil or criminal court records, under licenses or registrations, or anything else, you will find out.
Identity Guard Platinum
If you really want full results, you can go the extra mile and invest in the Identity Guard Platinum package. This will give you access to credit scores on a monthly basis, instead of once every three months. Anyone looking to get frequent updates to their Identity Guard credit score readings will be happy choosing this service over Total Protection.
Everything else is the same, except for this one key element. And, both Identity Guard Total Protection and Platinum packages give you access to the Identity Guard app to simplify the monitoring process. Through the Identity Guard app, you can check your credit score, use the ’cause and effect’ simulation tool, check any new alerts, and access FAQs and industry news.
Yet, not everyone needs to find out their credit score every single month. Sometimes the more important thing is just being able to monitor your credit report and identity. If quarterly scores work for you, then you should try Identity Guard Total Protection instead!
In fact, Platinum is the more costly service at $5 more per month. The cost could become as much as $15 more per month once you factor our special advice!
Pro Tip: How to Save More … With Costco!
Alright, so you want to invest in a full protection package from Identity Guard?
Are you a Costco cardholder?
If so, you have access to healthy discounts through Costco’s Total Protection offer. The protection features are the same, you just get to enjoy healthy savings. The plan goes from costing $19.99 a month to only running $9.99 a month for executive Costco members. Then, Gold & Business members just pay $13.49 a month for the Total Protection plan.
What does this mean?
Executive members save $120 a year!
Gold & Business members save $78 a year!
Hold on a second…how much did your membership cost?
As of July 2015, Executive members pay $110 a year and Gold & Business members pay $55 a year. This means that the savings on your Total Protection plan can actually pay off your Costco card for you. In fact, any current Total Protection subscriber could technically be getting paid to buy a Costco card!
Don’t have a Costco card?
Take advantage of the Identity Guard discount by obtaining your own Costco membership. As outlined above, you can do so without paying anything out-of-pocket for your card. This is a great idea; whether you want a Costco card or protection services, Costco’s Identity Guard discount gives you a nice two-for-one deal.
Is Identity Guard Safe, Let’s Review its Complaints?
Identity Guard is often cited as being the number one identity theft protection company in existence. Yet, many debate that LifeLock might have them beat in certain areas. Smaller industry players include Identity Force, CSID, Trusted ID, and Protect My ID.
There is no Identity Guard scam and the same remains true for each of the companies listed above. These are high-level services that are backed by millions of users, investment dollars, and more.
That Said … Is Identity Guard Legit or Not?
The Identity Guard review BBB posts has an A+ rating with 41 closed complaints. This means that there were 41 potential “issues” which the company made the effort to resolve. Each were closed in an acceptable manner, which is obvious given their perfect BBB rating.
The Identity Guard member login is safe, and their website uses high-level SSL protection remains protected. During the Heartbleed bug incident, their website was not affected. Since they are PCI compliant, you also don’t have to worry when supplying your payment details.
Is Identity Guard legit? That’s up to you to decide, but there is no Identity Guard scam lurking around the corner. This company will remain in operation for as long as credit files and identities exist. With Identity Guard’s up-to-date protection services, you can’t go wrong!
Uncertain? The Identity Guard Free Trial Can Help!
As with any good service, Identity Guard free trial offers give you the chance to see what it’s like to be an actual member. The normal free trial offer runs for 30 days. After that, your payment method of choice will get charged for the monthly cost for your second month of service.
If your primary focus is identity theft protection, you can rest easy knowing Identity Guard has your back. The Essentials package has no frills, if you want to see this stuff work in action you might like credit monitoring more. But it’s not about what looks cool, Identity Guard Essentials gives you full security against identity theft attempts.
So, you could justify that this plan is worth it’s cost. It’s just also a good idea to think about whether you could find value in having full protection. The Identity Guard Total Protection plan offers just that. Plus, as we promised earlier, there are ways to bring the cost down for this plan.
Of course, you should know how to cancel Identity Guard services before starting the trial. Some companies make it really difficult to get out. As Identity Guard is a legitimate service provider, sporting an A+ BBB rating, you don’t have to worry. Just pick up the phone and give them a call, and the subscription will get cancelled right away. The contact number can be found right on their website, so no endless path to find out how to cancel Identity Guard before it bills you.
Final Verdict – Identity Guard, Worth It or Not?
When it comes to credit monitoring and identity theft protection, choosing the right company can make all the difference. Most have a certain set of features that are common, including the majority listed here. But, not all are able to provide accurate information, up-to-date notifications, and one-on-one help. Plus, with a million dollars in insurance protecting you, it’s nice knowing you never have to worry about identity theft again!
That said, Identity Guard is also the most affordable option when looking for a package deal between credit and identity monitoring services. If this is an investment you planned to make, then Identity Guard should be the first to consider!