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Identity Guard Review

Saturday, January 29th

2022 Identity Theft Protection Service Reviews

Top Consumer Reviews Best-In-Class Blue Ribbon Award Identity Guard Review 5 Star Rating

Identity Guard

5 Star Rating
  • Value - $8.99/month for an individual, $14.99/month for a family
  • Total - $19.99/month for an individual, $29.99/month for a family
  • Ultra - $29.99/month for an individual, $39.99/month for a family
  • Save up to 33% when paying annually instead of monthly
Top Consumer Reviews Best-In-Class Blue Ribbon Award

Identity Guard offers a powerful combination of experience and cutting-edge technology to protect your identity from thieves and to quickly restore it if fraud occurs. Identity Guard's parent company has protected more than 47 million identities over the last two decades, and their partnership with the artificial intelligence of IBM Watson ensures that threats are detected quickly and prevented proactively. Over 140,000 cases of identity fraud have been resolved with Identity Guard's help.

$1 Million Insurance

All plans come with $1 million in insurance if identity restoration services are required, including stolen funds reimbursement. You'll have access to an online identity dashboard and a mobile app (though we found several customers who said that the app can be glitchy). And, if you need help from a case manager, rest assured that you'll have US-based representatives handling your case.

Features:

  • In business for over 25 years
  • "A+" rated and accredited by the BBB
  • 3 coverage levels for both individuals and families
  • Discounts when paying annually instead of monthly

3 Levels Of Service

Beyond those features, there are three levels of service with Identity Guard, all of which are available to either individuals or families. These tiers include the following:

  • Value: The intro level protects your financial, personal and social identity. It includes Dark Web monitoring, data breach notifications, high-risk transaction monitoring, and a safe browsing tool. This service is priced at $8.99/month for an individual, $14.99/month for a family.
  • Total: This tier is known as the standard identity and credit protection package. You get all of the features of the Value plan, plus three-bureau credit monitoring, a 1-bureau monthly credit score, and bank account monitoring. This service is priced at $19.99/month for an individual, $29.99/month for a family.
  • Ultra: If you want premium identity and credit protection, this is the plan for you. It includes all of the services in the Total package, as well as White Glove Resolution Concierge assistance, social media insights reporting, plus monitoring of bank accounts, credit and debit cards, investment accounts, USPS address change requests, home titles, and criminal and sex offender records. You also get an annual credit report from all three bureaus. This service is priced at $29.99/month for an individual, $39.99/month for a family.
Best Identity Theft Protection Services

Save With An Annual Plan

For all of these plans, you can save anywhere from 26% to 33% if you pay annually instead of monthly. However, be aware that if you decide to cancel an annual plan, you won't receive a prorated refund for any unused time on the subscription.

Block Junk Mail

When we visited the Identity Guard site recently, we got a pop-up offer that included PrivacyMate at no extra cost when subscribing to a qualified annual identity protection plan. Valued at $99/year, this service blocks junk mail and robocalls.

Trustworthy Source Of Identity Protection

Identity Guard is a brand of Intersections, Inc., which provides identity theft services under a variety of names. Across the spectrum, the company enjoys an "A+" rating and accreditation from the BBB, establishing itself as a trustworthy source of identity protection. On average, Identity Guard earns a rating of 4.3 out of 5 stars, with the highest praise given to their customer service representatives for handling issues professionally and quickly. We were pleased to see compliments from subscribers who have used Identity Guard for several years, and from people who switched from other providers in our review and got better service here - for less money.

Highest Rating

If you're concerned about becoming a victim of identity theft - and honestly, you should be - Identity Guard can give you affordable peace of mind. From preventative measures to lightning-quick response times when fraud is detected, this service has you covered, and you're not locked into more coverage than you need. Identity Guard earns our highest rating.

Where Can You Get the Best Protection from Identity Theft?

You're wise to ask that question, given that an average year sees as many as 14 million consumers reporting that they've been victimized by identity thieves - with losses reaching nearly $17 billion.

Those numbers may obscure the devastation experienced by an individual when their credit history is ravaged by fraudulent transactions. Scammers can use Social Security numbers, birthdates and other personal information to open bank accounts and credit cards, access medical care, and even claim tax refunds that don't belong to them.

The Best Identity Theft Protection Services Compare Identity Theft Protection Services Compare Identity Theft Protection Service Reviews What are the best Identity Theft Protection Services Best Identity Theft Protection Service Reviews

Identity Theft Protection Service FAQ

When someone takes advantage of your personal information - Social Security number, birthdate, name, etc. - to make purchases, open new accounts, or get a tax refund, it's defined as identity theft. More than three million cases of identity theft are reported on average each year - and that's just in the United States!
Keep an eye on the various accounts you have: banks, credit cards, insurance, and so forth. Identity theft can show up as unexplained withdrawals, missing bills or other mail, phone calls from debt collectors about accounts you never opened, or even conditions in your medical records that you've never had. All of these are red flags that someone is fraudulently using your identity.
If someone uses your personal information to get a new credit card, receive a tax refund, or take out a loan, you should report it to the Federal Trade Commission through their Identity Theft website. You should also contact the three main credit bureaus - TransUnion, Experian and Equifax - and have them place a fraud alert on your credit reports. Notify each company where you discover that fraud has occurred as well. Finally, contact your local police department to file a report. Fortunately, if you are a subscriber to an identity theft protection service, such fraud will likely be caught very early on and make it less likely that any long-term damage was done to your credit history.
Keeping your personal information secure is one of the best ways of stopping identity thieves. This includes shredding documents that have your personal and/or financial information before recycling them or putting them in the trash. Stay aware of the ways scammers are currently trying to get people to give up their information, such as phishing schemes or robocalls.[2] If you're not confident that you can stay on top of monitoring your identity, it is well worth it to subscribe to an identity theft protection plan.
Most services take a two-pronged approach to identity protection: prevention and repair. Once you become a subscriber, these systems monitor your information to detect security breaches and any attempts to use your identity. You're notified when any suspicious activity occurs, and if you have any funds stolen the service will typically help you recover the money.
Definitely not - and keep in mind that any money you spend will be far less than the cost of repairing your credit if your identity is stolen! You can get basic identity theft coverage for less than $7/month. There are also couple/family plans available that can protect everyone in your household.
Yes, most credit card companies actively track your spending habits and freeze your account if they suspect that a charge is fraudulent. That's a great resource that doesn't cost you a penny. However, your credit card companies aren't also tracking your bank accounts, health insurance and medical records, online profile or status with the IRS. And, your credit card issuer isn't going to help you repair your credit history if your identity is stolen. Using an identity theft protection plan is the most robust way to keep an eye on all of the places your personal information could be used illegally - and to fix things if a breach occurs.
Absolutely. In fact, identity thieves place a high premium on stolen Social Security numbers of minors, because it can often be a very long time before the theft is discovered: imagine going to apply for a credit card for the first time, only to find out that someone else had been using your identity for years! If you're considering an identity theft protection plan, be sure to find out what options are available for the children in your family: their coverage is usually deeply discounted when compared with the costs for adults.
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Continued from above...

All of this can take what was once an excellent credit score, and drag it down the drain. Unfortunately, the unsuspecting victim may not realize their identity has been stolen until they try to apply for a loan or start getting calls from collection agencies, and by then the damage has already been done.

Even children can be prime targets for identity thieves. Because most people don't open credit cards or borrow money until adulthood, their information can be used for many years: imagine starting out as an 18-year-old with a horrible credit history that you did nothing to deserve! By that time, criminals may have already taken lavish vacations, gotten expensive cosmetic surgery, or bought luxury furniture - all using the identity of a child.

Experts recommend that consumers be constantly vigilant to protect their personal information. Basic steps like shredding documents with sensitive data and not disclosing too many details on social media can help prevent identity theft. However, scammers abound and are determined to find ways to access what they need.

That's why identity theft protection services are a smart idea: while no service can offer a 100% guarantee that you'll never be a victim, their plans can often nip unauthorized access in the bud before things get out of hand. And, most of them not only help you clear your name and restore your credit history if identity theft occurs, but they also insure any financial losses up to a million dollars or more.

With many identity theft protection services to choose from, how can you tell which one is right for you? Here are several criteria to keep in mind:

  • Scope of Protection. How many credit bureaus does the provider monitor? Some only cover one of the three main reporting agencies, while others include all of them. Will all of your financial accounts be monitored? What about online presence, social media accounts, email addresses, and so forth?
  • Plan Options. Can you choose among multiple plans, or does the service only offer a few? Can you get a plan that meets your needs (e.g. a family plan for your dependent children, coverage for yourself and a partner)?
  • Cost. How much will you pay, monthly or annually? Will those costs increase after an introductory period? How do the fees compare with rival identity theft protection plans?
  • Reputation. What do other customers have to say about their experience with the company? Did they have any issues that weren't adequately resolved by the service's support team? Has the service been rated by the BBB?

TopConsumerReviews.com has reviewed and ranked the best providers of identity theft protection available today. We hope this information helps you choose the service that offers the most peace of mind at the best price.

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