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      July 18, 2018

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Identity Guard vs Privacy Matters 123

Best Identity Theft Protection

To help you find the Best Identity Theft Protection, TopConsumerReviews.com provides you with an in-depth comparison of Identity Guard and Privacy Matters 123.

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A $50 Billion industry is big business. Unfortunately, that's how much fraudulent activity is charged each year stemming from identity theft. It's a big business alright; and one in which you are a potential victim.

There are a variety of ways in which data thieves can steal your personal information. They can sift through trash to find bills and credit statements; they can steal credit and debit card numbers when your card is used; they can "phish" your email and retrieve your data while posing as legitimate businesses. The list goes on and on.

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Best Reviews

2018

Identity Theft Reviews

3 stars
Identity Guard

IDENTITY GUARD Visit Site

Cost:

From $19.99 to $24.99 per month

Identity Guard is one of the longest-established businesses in the Identity Theft Protection industry. For over 20 years, their services have sought to protect the average consumer from any security breaches, preventing loss and restoring positive credit ratings.

Their protection plans have changed over the years, so if it’s been awhile since you’ve taken a look at what Identity Guard has to offer, consider this basic overview of their three current plans:

  • Identity Guard with Watson: for $19.99/month, you get a very comprehensive set of features, including personal risk assessment, $1 million in identity theft insurance, 3-bureau credit monitoring, and a safe browsing extension for subscribers’ computers. This plan is recommended for people who use social media at least once a week.
  • Total Protection: also for $19.99/month, this plan seems to focus more on getting quarterly updates on subscribers’ credit reports, but includes many of the same features as the previous plan, minus the Watson Artificial Intelligence component
  • Platinum: for $24.99/month, customers get all of the benefits of the Total Protection plan, with the addition of monthly credit report updates and scores from all three credit bureaus

Their most recent addition is the artificial intelligence feature known as Watson, IBM’s cognitive computing that allows Identity Guard to “personalize and customize” their protection for each customer. This AI is used to analyze users’ digital habits to look for areas of potential risk, as well as to scan news articles, social media comments, posts, and blogs in order to find any emerging threats that are pertinent to each individual customer.

We found it challenging to understand the differences between IG’s three plans. It would have been very helpful to see a chart that allows prospective clients to compare the plans at a glance, to determine which features are included. Instead, visitors to the IG site have to click back and forth among several screens, looking for which features may be different across the plans. Especially given that Identity Guard’s plans are, across the board, more expensive than most of their competitors’, we were left wondering what exactly we’d be getting when choosing among the three options.

Our biggest concern with Identity Guard is the quality of the service. We found more than a few reviews that described IG’s failure to alert users of security breaches in a timely fashion. For example, several people said they were notified of a problem either by their credit card company or by another Identity Theft company days in advance of any communication received from Identity Guard. Also, a number of customers said that it was difficult to get through to anyone at customer service when they had a problem and wanted to make sure that their information was secure.

On the other hand, Identity Guard’s Total Protection service was chosen by well-known authority Kiplinger Finance as the 2015 winner for the “Best ID Protection Service”. That kind of endorsement merits consideration.

In order to give Identity Guard a more ringing endorsement, we’d like to see more clarity in what each plan offers to their customers. We’d also like to see an upward trend in customer satisfaction, especially with respect to timely notification of any security threats. With such an extensive history within the identity theft protection field, Identity Guard should be able to make those changes and once again establish themselves as a top authority.

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1 star
Privacy Matters 123

PRIVACY MATTERS 123 Visit Site

Cost:

$19.99 per month

This website is not easy to navigate through. There are too many different links. It took us a while to find a link to simply explain how Privacy Matters 123 protects a person's identity. By the looks of the website, signing up for protection appears to be more about getting a free credit report than actually protecting your identity.

They do not provide any information on their refund policy or service level guarantee.

As a member of Privacy Matters 123, you receive the following benefits:

  • Automatic monitoring of your credit at all three credit bureaus
  • Unlimited access to your credit report and score
  • Unlimited access to customer service

You can try the Privacy Matters 123's services free for seven days. If you decide to cancel you still receive your online credit report. If you do not cancel, your credit card will be billed $19.99 per month

This is where the service provided by Privacy Matters 123 ends. They do not provide the fraud alerts, credit line verification, or identity theft insurance provided with the other plans in our review. Ironically, they do offer the highest cost however.

Privacy Matters 123 offers the bare minimum in protection and costs the most per month. The website is organized poorly and they provide no guarantee or identity theft insurance. For real identity theft protection, we suggest you look to one of our higher-rated selections.

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Continued from above

Once they have your data, it doesn't take long for them to wreak havoc. For example, they can drain your bank and checking accounts. Or, they can open new loans for cars and other big ticket items. They can even charge your accounts for vacations, home furnishings, and surgical procedures such as Liposuction and plastic surgery.

And after you realize you're a victim, it can take months or even years to straighten out the mess.

While no one can guarantee that your personal information will never be stolen, Identity Theft Protection services work to make sure that this information can not be used to bring you harm.

There are a number of features you'll want to consider when looking for an Identity Theft Protection service. Some of these include:

  • Services offered.  Some companies provide extensive protection and monitoring services; others provide just basic reporting.
  • Cost.  The cost for these services can vary widely. You want to be sure you're getting good value for your dollar.
  • Guarantee.  Some services provide no guarantee of protection; others provide up to $1 million worth of coverage.

TopConsumerReviews.com has reviewed and ranked the best Identity Theft programs available today. We hope this information helps you protect your identity and credit files right away!

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