Identity Guard® Review: Credit Report Services Review

Company Overview

The main focus of Identity Guard is to help protect members from the nasty threat of identity theft. This is done through a very sophisticated credit monitoring system and a number of additional tools, even including personalized assistance from recovery professionals. You will also be able to receive your 3-in-1 credit report and all three credit bureau scores upon joining and updates throughout the year, as they become available from the actual credit bureaus. This is a veteran company that will help to protect your credit and financial life.

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Credit Monitoring Reports and Scores

  Equifax Experian TransUnion
Scores Provided X X X
Reports Provided X X X

 

The service offered by Identity Guard involves giving you all of the tools and resources needed to never become a victim of identity theft and to competently and quickly respond to a threat in the off-chance it does. This includes providing you with an initial combined three-bureau credit report and showing all three credit scores. You also get regular updates (4 times a year) of your actual bureau reports, not aggregated information.

Unlike many other sites, this includes some very helpful and useful tools. For example, your social security number is monitored along with online 'black market' website, chat room and other scam related sites monitoring services. There are 24/7 automated alerts if any changes to your accounts are detected. They even monitor thins like address changes and provide personalized professional assistance should this ever be required. Plus tons of online articles, guides, and other resources.

Identity Theft Protection

For those really interested in protecting themselves, Identity Guard is the place to be. The name really says it all. And their services back up the claims. This includes 24/7 monitoring of everything: your credit reports, files, even an internet search for your accounts/card numbers (which delves into black market sites, forums and chat rooms). They provide up to $1 million in identity theft insurance, lost wallet protection and actual assistance from real live recovery specialists.

Plus, this company monitors your public records and computer to help keep every aspect of your identity secure. They even offer a 3-bureau credit analyzer that can show you how various financial decisions are likely to affect your scores. You can access your account via a mobile app and they even offer both PC encryption and antivirus software. You may also come back to the site and go through articles or other information on almost any credit issue you like.

Sign Up Process

You will appreciate how the Identity Guard site walks you through the registration process, step-by-step. This includes entering some basic information on the first page, starting with name and email. Then moving along to address, and other pieces of personal information. You also provide your credit card information for the $1 trial payment. Unlike many other sites there is not much running around and answering countless verification questions (although some will be needed).

After your identity is verified (through email confirmation and answering some pop-up questions), that $1 payment is process and you are granted immediate account access. You will even have a 30-day trial to take a look around and try out the tools, read the information, etc. Honestly, this is more than enough time to make an informed decision.

Pricing Concerns

The introductory offer is $1 for 30-days of access to your combined credit report and scores from all three bureaus. You may also roam about the website freely and examine all of the tools, articles, guides, advice, and more. Although you can set up alerts and establish where they will go (text, email), these can take about two weeks to actually become active. Should you decide to keep the service, do nothing...it will be automatically renewed at the ongoing rate of just $19.99 per month.

Trial Offer $1 for 30-Day Trial
Monthly Price $19.99

Customer Support

Identity Guard does offer a surprisingly high level of customer service. They are actually very transparent about how this works, laying out your options on their help page. They do have an email address, but advise up front questions related to billing, activating accounts, and changing billing addresses cannot be handled effectively through email. Essentially, they are directing people to call their toll-free 800 support line, which does work very well. The agents are professional, very knowledgeable, and helpful.

Bottom Line

Identity Guard is a great company for those who are worried about identity theft and interested in staying on top of their credit situation. They offer a very strong array of tools and services to ensure you are alerted and then know EXACTLY what to do should you be confronted with such a situation. The professional assistance from recovery experts is a great addition.

Contact Information:

P.O. Box 222455,

Chantilly, VA 20153

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Our site’s mission is to help consumers make informed purchasing decisions. www.top10freecreditreports.com accepts financial compensation from companies reviewed on our website in order to provide our users with this free service.

*The scores you receive with Identity Guard® are provided for educational purposes to help you understand your credit. They are calculated using the information contained in your Equifax‚ Experian and TransUnion credit files. Lenders use many different credit scoring systems‚ and the scores you receive with Identity Guard are not the same scores used by lenders to evaluate your credit.

You may cancel your membership anytime simply by contacting Identity Guard.

**Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available in all jurisdictions.

Intersections, Identity Guard and Total Protection are registered or federally registered trademarks of Intersections Inc.

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