Identity Guard®

Identity Guard® Review: Credit Report Monitoring

Credit Report Monitoring
Sign up for Identity Guard®
Bottom Line:
Most comprehensive & best overall service we have reviewed; All 3 credit scores free; 25% discount & free 30-day trial
Full Review:
5 2015-02-04 10:32:35 [Editor's Note: Identity Guard® is offering a discount of $5.00 off every month ($14.99 instead of $19.99 — 25% in savings) and a free 30-day trial to visitors. There is no coupon code required to take advantage of this offer but you must click on a link from our site. So simply click on any Identity Guard link on to take advantage of this discounted pricing.]

If fear of identity theft is your primary reason for credit report monitoring, there is no question that Identity Guard Total Protection is your best option. Even if identity theft is just one factor, Identity Guard's exhaustive list of features, discount and 30-day free trial make it worth serious consideration. In addition to daily three-bureau credit report monitoring, Identity Guard Total Protection offers an extremely impressive and potent arsenal of tools to help protect you from theft and credit card fraud. With the NextAdvisor discount, the service costs $14.99 per month after the 30-day free trial. There are no annual contracts and you can cancel your membership at any time.


Signing up for the free trial is quick and you just need to enter some basic personal information like your name, address and social security number to get started. This is all done on a secure, encrypted web page, so you do not have to worry about the security of your personal information. Once your enrollment is complete and you have set up your personal log in information, you will be able to visit the member area anytime. In the member center, you can see which identity protection tools you have and haven't activated as well as what updated information is available to you. They are also great about letting you know via email when you have new reports or scores available. Be sure to register your credit card and bank accounts right away to take advantage of their excellent identity theft protection.

Credit Monitoring, Reports and Scores

Immediately upon enrolling, Identity Guard Total Protection® gives you daily three-bureau credit report monitoring with email alerts, your credit scores based on data from all three bureaus and three-bureau credit report updates. The scores are based on the CreditXpert scoring system, which isn't the same as the FICO system that most lenders use, but is a very good approximation of it. Identity Guard gives you credit scores from the three bureaus and an updated public record report every three months.

You'll receive a three-bureau credit report when you enroll and quarterly updates to this report thereafter. The three-bureau report combines all three of your credit bureau reports (Equifax, Experian and TransUnion) into a single report, making it easy to review for any errors or fraudulent activity. Furthermore, the information you get on your tri-bureau report combined with ongoing three-bureau credit monitoring makes Identity Guard a very effective service for keeping a close eye on your credit.

Your subscription includes access to a very useful Credit Analyzer. You can try out different scenarios, such as paying off your credit card by a certain amount or applying for a new loan, to see how your credit will be affected.

Identity Theft Protection and Tools

Identity Guard also features proactive identity theft protection, including monitoring public records for certain changes in your name (as well as giving you a public record report and an updated one every quarter), scanning for application or social security fraud, and monitoring the Internet's black market for the presence of your credit card numbers, Social Security number or other personal information. If they find use of your personal information, you will be alerted immediately.

Children are often targeted by identity thieves. Thus, Identity Guard members also have the option to add kID Sure, an excellent identity theft protection tool that helps protect children. kID Sure® monitors criminal records, DMV records, utilities records and scans the Internet black market for their social security number. This plan allows you to add up to 15 children to an existing adult's plan for only $5/month. The children you sign up have to be under the age of 18, and you have to be their legal guardian.

In addition, Identity Guard provides lost wallet protection (they can cancel your credit card accounts and give you up to a $2,000 advance from one of your accounts if you need it). In the event of a credit card theft, you can report the incident to Identity Guard and its professionals assist you with reporting your cards as stolen and getting new cards issued to you.

Identity Guard also includes $1,000,000 in identity theft insurance to cover you in case you somehow are still victimized while enrolled in the service. The real value of the identity theft service is their Identity Theft Recovery Unit, where you'll have the help of experienced fraud recovery agents to help you throughout the entire process. We've found that the real cost of identity theft is the victim's inability to get credit for long periods of time, the cutting off of current credit accounts, and the time, effort and expense it takes to restore the victim's good name and the ID Theft Recovery Unit helps you minimize these costs as well as get your good name and credit back as quickly as possible.

One of the most notable extra services provided by Identity Guard Total Protection is the Zone Alarm Internet Security Suite at no additional cost, an award-winning Internet security solution including anti-virus, firewall, anti-phishing and anti-spam software with hourly security updates. This normally costs $44.95 per year to buy, but is a part of your Total Protection enrollment and includes all virus definition updates and annual renewals as long as you maintain your membership. Unfortunately this feature is currently only available for PCs. Of course if you don't want or need this security software you don't have to download it. Your subscription also comes with anti-keylogging software.

Customer Service

Identity Guard offers generous customer service phone hours (8 11 p.m. Monday through Friday and 9 a.m. to 6 p.m. Saturday) as well as postal mail and e-mail contact methods. When we tried contacting them, there was a bit of a wait time; however, the customer service representative on the line was able to provide useful information about the service. Reporting for lost or stolen cards can be done on the phone.


Overall, Identity Guard Total Protection can't be beat in terms of features and functionality. It offers both a great credit report monitoring service and, from our perspective, the best identity theft protection you can get. Take it for a spin with the 30-day free trial and get your credit report and scores today.

Sign up for Identity Guard® | Compare to Other Credit Report Monitoring

Service Details:

Credit Scores:Free scores based on data from Equifax, Experian & TransUnion
Credit Reports:Reports from all 3 bureaus
Trial Period
& Price:
Free 30-day trial; $14.99/mo (after our 25% discount)
Credit Monitoring:All 3 bureaus

NextAdvisor Credit Report Monitoring Blog Headlines

1 Billion Data Records Stolen in 2014: What This Means for You
From Home Depot and Staples to JP Morgan Chase and the United States Postal Service, it seems that we couldn't escape the news of a new data breach in 2014. That's because data breaches increased 49% last year, with more than 1 billion data records compromised (78% increase from 2013) in 1,500 attacks worldwide, according [...]

Is Anthem AllClear ID Credit Monitoring and Identity Protection Enough?
A little over one week after announcing its data system had been breached, exposing the information of up to 80 million U.S. citizens, Anthem has followed up on its promise to provide free identity protection and credit monitoring to those affected. The health insurance giant has chosen to go with AllClear ID as its provider, [...]

Phone Scams Top IRS 'Dirty Dozen' for 2015: How to Protect Yourself
For the first time since 2010, identity theft did not take the No. 1 spot on the Internal Revenue Service?s annual list of the dirty dozen tax scams. At the top of the chart this year are phone scams. Phishing, or sending out fake emails or websites to steal personal information, followed at No. 2 [...]

TurboTax Temporarily Halts State E-Filing Following Multiple Fraud Attempts
Tax preparation juggernaut TurboTax is temporarily disabling the ability for its customers to e-file their state tax returns due to an increase in suspected fraudulent filings. A number of state governments said that the fraudulent tax returns are being created with stolen personal information. The problem is linked to recent security breaches at larges companies [...]

Identity Guard® Forum Posts

About UsBlogContact Us Forums Terms & Privacy PolicyAffiliate ProgramSite Map is a BBB Accredited Information Bureau in San Francisco, CA

Advertiser Disclosure: is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.