Identity Guard Review

Sarah PritzkerBySarah PritzkerOct. 07, 2019

In a Nutshell

Identity Guard is a rock of an identity theft protection agency. By this, we mean it is solid protection, unwavering, and backed by the most reliable and resilient technology available to date. That’s because Identity Guard is powered by IBM’s Watson, the state-of-the-art artificial intelligence robot that provides up to the minute data protection, 24/7 surveillance, and instant alerts. That’s some impressive protection.

pros

  • Utilizes AI for optimal performance (Watson by IBM)
  • Several protection plans available including family plans
  • Cyberbullying alerts

cons

  • Doesn’t alert you of credit report requests
  • No option of getting your credit score for free

Identity Guard Identity Guard Visit Site

A brilliant solution for:

  • People who want state-of-the-art technology backing their ID theft protection

  • Families looking to help protect themselves and their children’s identities

  • Anyone who wants to have monthly updates on their credit score*

How does it work?

Identity Guard’s protection software is a complex algorithm that uses the best and latest technology to keep your identity constantly monitored. And with IBM powering your service, it’s hard to go wrong. In fact, Identity Guard monitors billions (you read that correctly) of data points to help keep your identity safe.

One area that Identity Guard could improve upon is the robustness of the services. For example, you will be notified if it detects potentially fraudulent activity associated with your accounts. However, it won’t send a fraud alert to the credit reporting bureaus in this event. Not every identity theft protection provider does this (and you can easily do it for yourself for free), but the ones that do are certainly providing a more comprehensive service.

What does this service watch out for?

Identity Guard monitors most of the usual personal identifiers including:

  • Credit report monitoring based on data from Experian, Equifax, and TransUnion
  • Dark Web surveillance
  • Public records monitoring
  • Payday loans 
  • Known address monitoring
  • Credit card account monitoring
  • Social Security number monitoring
  • Financial account takeover monitoring

In addition, Identity Guard protects some lesser-watched areas such as medical insurance cards. Another huge benefit to Identity Guard protection is the extensive device protection it offers. 

Let’s not forget the family plan that allows you to help keep your kids’ identities safe and protected as well (did you know that children are 30%-50% more likely to have their identities stolen than adults?).

Recovery services - what can Identity Guard do if my identity is stolen?

Identity Guard is not as helpful in the event that your identity is stolen as some of the other identity theft protection brands out there today. It will not, for example, assume power of attorney as LifeLock will. That being said, Identity Guard still offers tons of recovery assistance including:

  • ID theft insurance of up to $1 million**
  • A special hotline to use in the event of an incident
  • A dedicated case officer to help you navigate the waters of regaining control of your life

How easy is it to use

Because it is such advanced technology, Identity Guard is effortless to use. Once you set it in motion, you’re free to go about your life regularly. The software will scan your accounts constantly and notify you at once if anything unusual is detected. With 24/7 monitoring, you can rest assured that you will be notified the moment something is detected.

Pricing

Identity Guard offers 3 plans for individuals and another three for families, certainly making it the most comprehensive identity theft protection option available. New customers enjoy 20% off and a 30-day free trial***. Here’s a breakdown of what you can get for your subscription:


Value
Total
Premium
Price per month for individuals
$7.20
$15.99
$19.99
Price per month for family
$11.99
$23.99
$27.99
Mobile app



Risk management score



Online identity dashboard



SSN and credit alerts



Bank and credit card activity alerts



Million Dollar Protection Package
Yes
Yes
Yes
Lost wallet protection


Dark web monitoring



Potential threat detection



Credit change detection

3 bureaus
3 bureaus
Annual credit report



Bank account take over/new account alerts



Anti-phishing mobile app



Safe browsing extension



Social insight report



All plans include the basic services like Social Security number monitoring, black market monitoring, and ID verification alerts. Plus, all plans provide you with account takeover alerts, lost wallet protection, password protection, and up to $1 million in identity theft reimbursements.

Identity Guard offers a 30-day free trial if you sign up through a link on this page. After that, you’ll have to pay for the service according to the plan you’ve chosen. As you go up in the pricing tiers, you will be given more security benefits.

Identity Guard Identity Guard Visit Site

Help & Support

While there is no 24/7 customer service, Identity Guard actually has longer hours than most other providers with limited support. You can reach a support staff member via telephone from 8am to 11pm ET Monday thru Friday and 9am to 6pm on Saturdays.

You can also send an email to customercare@identityguard.com and get a response in 24-48 hours. One thing that is missing from the support team is a live chat, though this is standard for this industry. You’ll have to deal directly on the phone with a service rep if you want assistance. However, Identity Guard does have a tremendous amount of online resources you can take advantage of. From online credit education to fraud protection articles, online tools, and credit specialists, there’s almost nothing you can’t find out by combing through these articles and tools.

Bottom Line

Identity Guard offers a lot of protection for a nominal fee. Aside from the standard services, Identity Guard Premium provides an annual credit report and monthly credit scores. This is a unique feature that most other identity theft protection providers don’t offer.

Identity Guard doesn’t send fraud alerts to the credit reporting bureaus, but this is something that you can do easily and for free, so it is definitely worth the tradeoff to get frequent credit score information instead.

With several plans to choose from, there is definite value for money, especially with the Total plan. For just $19.99 per month, you can get credit report monitoring, quarterly updates, and dark web monitoring. Protect yourself today.

*The score you receive with Identity Guard is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your TransUnion credit file. Lenders use many different credit scoring systems, and the score you receive with Identity Guard is not the same score used by lenders to evaluate your credit.
** 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.
***Your card will be charged either a monthly or annual fee, depending on the membership plan you choose. You may cancel your membership anytime simply by contacting us.

Sarah PritzkerBySarah PritzkerSep. 10, 2019
Sarah Pritzker is a content writer with years of experience and a keen interest in the vast world of online consumer products. She enjoys helping readers make sense of the options on the market in financial industries including credit reports, business loans and car loans.
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