Identity Guard® Total Protection® Review: Identity Theft Protection
|Sign up for Identity Guard® Total Protection®|
|Most complete identity theft protection service we reviewed; 3-bureau credit report monitoring; credit report/score updates every quarter; 25% discount & free 30-day trial|
[Editor's Note: Identity Guard® is offering a discount of $5.00 off every month ($14.99 instead of $19.99, 25% off) and a free 30-day trial to NextAdvisor.com 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 NextAdvisor.com to take advantage of this discounted price.]
In our opinion, Identity Guard Total Protection® is the most comprehensive identity theft protection protection service we have reviewed and it really lives up to its total protection moniker. Identity Guard has the most extensive fraud monitoring we've found and offers its whole service at a great price with NextAdvisor's discounted offer, just $14.99/month (regularly $19.99/month) after the 30-day free trial. The service has a vast array of features that help protect you against the many ways identity thieves might attack, through your credit files, social security number, bank accounts, computer and more.
Identity Guard Total Protection costs $14.99/month (including NextAdvisor's 25% discount), and requires no annual contract or commitment. Besides the superior identity theft protection for adults, Identity Guard also offers identity theft protection for children with its kID Sure program. This plan allows you to add up to 15 children to an existing adult's plan for only $5/month per child. The existing adult must be the legal guardian of the children, and the children must be under the age of 18 years old. If you are looking for a family plan that includes two adults and children for an overall monthly price, TrustedID might be a better fit.
The signup process for Identity Guard is relatively quick — you will go through a short series of screens asking you for information, including payment information. Once you completely answer the questions and fill out the information, your identity protection begins. Your credit scores and three-bureau reports are available online immediately upon signup. If you want hard copies mailed to you, however, you can call customer service number and get them at no extra charge.
If you decide that you'd like to help protect your children's identity with kID Sure®, you can just click on the "Add kID Sure" button from your Identity Guard home page when you log into the site.
Identity Theft Protection
Identity Guard starts your protection with daily monitoring of your credit report at all three bureaus, which begins as soon as you complete the enrollment process. We find Identity Guard's thorough credit report monitoring to be a highly valuable tool because it alerts you in the event that there are certain changes detected in your name.
In addition to credit report monitoring, Identity Guard provides some of the most extensive fraud monitoring of any of our reviewed services. Identity Guard monitors public records for certain changes in your name, scans databases for application or social security fraud, and monitors the Internet's black market for the use of your credit cards or other personal information. If Identity Guard notices certain changes to or presence of your registered personal information in its data sources, then the service will promptly send you alerts via email, phone calls or text messages. When you sign up your alerts are automatically set to email, however, you can opt to change the alerts when you sign into your account or call a customer service representative to assist you. We found these alerts to be a valuable service because if in fact the activity is fraud then you have more of an option and opportunity to catch the fraud before it gets too far.
Identity Guard also provides a selection of software to protect your computer. Privacy Protect, an anti-keylogging software, stops thieves from monitoring what you type when you're online. ID Vault software allows you to store your online account and credit card information for security while online shopping. And to top it off, ZoneAlarm Internet Security software, a total Internet security suite, provides antivirus and antimalware protection for your computer.
Other identity protection services Identity Guard offers are lost wallet protection (a representative from the Identity Theft Recovery Unit can cancel your credit card accounts and send you up to $2,000 advance from one of your accounts if you need it) and a personal public record report.
As mentioned above, Identity Guard also offers protection for children with its kID Sure program. This plan allows you to add your children to an existing adult's plan for only $5/month per child. kID Sure monitors for your child's information on criminal records, DMV records, utilities records, as well as scans for social security number exposure on the Internet black market. The children you sign up have to be under the age of 18, and you must be their legal guardian.
Identity Guard Total Protection aims to protect you and your family's identity across multiple fronts, including your credit, public records as well as Internet and computer use. While no protection can be 100% complete, Identity Guard offers the most comprehensive protection we've found.
Credit Report Monitoring Information
Similar to many credit report monitoring services, Identity Guard Total Protection completes daily scans of all three of your credit files and notifies you of certain changes. We were particularly impressed that it provided contact information for all of the creditors listed on our credit report, something few other services include. Identity Guard Total Protection gives you all three of your credit scores every quarter. It also has some very useful credit tools, such as the Credit Analyzer which allows you to see what effect taking different actions (such as paying off a balance or missing a statement) could have on your credit score.
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Identity Guard® Total Protection® Forum Posts
- Should my spouse and I get separate protection?
Thank you for your question! Yes, although you and your spouse may have joint accounts, you'll want to make sure you still get separate protection....
- Should my spouse and I get separate protection?
I am wanting protection for my debit cards and credit cards for myself and wife. Do we need separate accounts?
- Can I call Identity Guard to get more information?
You can reach an Identity Guard customer service representative by calling 1-855-727-5801. They'll be able to answer any questions you may have or...
- How can I sign up for Identity Guard?
We applaud your skepticism. There are a couple of checks that you can do to make sure your information is secure when you're signing up for identity...
- Does Identity Guard protect my bank accounts?
Identity Guard does protect your bank accounts, however it probably isn't the type of protection you're referring to. Instead of monitoring each...