In a Nutshell
- Utilizes AI for optimal performance (Watson by IBM)
- Several protection plans available including family plans
- $2,000 emergency cash fund
- Doesn’t alert you of credit report requests
- Doesn’t send fraud alerts to credit bureaus
A brilliant solution for:
- People who want state-of-the-art technology backing their ID theft protection
- Families looking to protect themselves and their children’s identities
- Anyone who wants to have constant 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 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 there is some suspicious activity associated with your accounts. However, it won’t send a fraud alert to the credit card 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 from Experian, Equifax, and TransUnion
- Dark Web surveillance
- Public records monitoring
- Payday loans and lease monitoring
- Known address monitoring
- Credit card account monitoring
- Social Security number monitoring
- Financial account takeover monitoring
- Criminal records and arrests 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. You can get a whole range of security programs to help you out of sticky situations like removing your name from junk mail lists.
Let’s not forget the family plan that allows you to 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
Plus, Identity Guard offers lost wallet assistance, and it definitely outshines the rest of the competition in this area. If you lose your wallet, this company will help you cancel your credit cards and replace any important identification cards such as your license. This is pretty standard, but this next part isn’t. Identity Guard will also provide you with up to $2,000 in emergency cash to help you get through the next few days while your wallet-essentials get sorted out. And if you’re abroad when your wallet is stolen, that money will definitely go a long way.
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 goes wrong.
Identity Guard offers 3 plans for individuals and another three for families, certainly making it the most comprehensive identity theft protection option available. Here’s a breakdown of what you can get for your subscription:
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 has a 2-week trial. 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.
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 firstname.lastname@example.org 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.
Identity Guard offers a lot of protection for a nominal fee. Aside from the standard services, Identity Guard provides monthly credit reports and updated 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 Protection plan. For just $19.99 per month, you can get credit report monitoring, quarterly updates, and dark web monitoring. Protect yourself today.