Identity Guard Logo

Identity Guard

star star star star_border star_border

6.0

Overall Score

LAST UPDATED: March 19th, 2021

Identity Guard is based in Virginia and has been in business since 1995.

Owned and operated by Intersections, Inc., Identity Guard is focused on providing credit monitoring and identity protection services to individuals as well as families.

Identity Guard offers the following two plan options that involve credit monitoring services: 

  • Total Plan — Includes standard identity and credit protection
  • Ultra Plan — Includes premium identity and credit protection 

Those who sign up for the company’s Ultra plan will be able to receive the highest quality credit monitoring services including three-bureau credit monitoring, three-bureau annual credit reports, and one-bureau monthly credit scores. 

Along with credit monitoring services, Identity Guard provides consumers with an anti-phishing mobile app, safe browsing tools, dark web monitoring services, address monitoring services, and more. 

Read on to learn more about Identity Guard’s credit monitoring services and plan options. 

thumb_up

The Good

  • Triple Bureau Credit Monitoring
  • Anti-Phishing Mobile App
  • Identity Theft Protection Tools

Triple Bureau Credit Monitoring

Unlike some of the other companies in the industry, Identity Guard offers credit monitoring services for all three major credit bureaus: Equifax, Experian, and Transunion.

As mentioned above, Identity Guard offers three different plan options, two of which provide credit monitoring services. The two plans that  offer credit monitoring services include the following: 

  • Total Plan — This plan costs $16.67 per month for individuals and includes standard identity protection services as well as standard credit protection. In terms of credit monitoring, this plan provides customers with one-bureau monthly credit scores and three-bureau credit monitoring services. 

  • Ultra Plan — This plan costs $25 per month for individuals and includes premium identity protection services and premium credit protection services. In regards to credit monitoring, this plan offers one-bureau monthly credit scores, three-bureau credit monitoring services, and three-bureau annual credit reports. 

Those who have an Identity Guard Total or Ultra account will be able to receive notifications if there are changes made to their credit profiles including public records, new inquiries, and more.

According to the company’s website, customers will be able to “receive inquiry notifications in near real-time from Experian and Transunion.”

Anti-Phishing Mobile App

Identity Guard provides a helpful anti-phishing mobile app to help its customers view credit monitoring information and receive alerts on-the-go with the use of a smartphone or tablet.

Identity Theft Protection Tools

Identity Guard offers a robust suite of identity theft protection tools as a part of its plans.

Although we are most interested in how well the company monitors credit, it is convenient to have these tools available if consumers are especially concerned about having their identities stolen.

Identity Guard goes a step further than most and offers other tools, including password managers and antivirus software, as part of its packages.

Visit Site

thumb_down

The Bad

  • High Industry Price Range
  • No Partial Refunds

High Industry Price Range

Identity Guard charges individuals anywhere from $16.67 to $25 per month and charges families $25 to $33.33 per month for its services that include credit monitoring.

These prices can be relatively expensive in comparison to what other companies charge for credit monitoring services.

No Partial Refunds

Identity Guard does not offer refunds from any unused portion of a subscription.  

This applies primarily to those selecting an annual membership and wanting to receive a prorated refund for the remainder of the term of the pre-paid subscription.  

For those who feel that this may potentially describe their future situation, we strongly recommend going the monthly subscription term route or looking into other credit monitoring companies.

gavel

The Bottom Line

Identity Guard offers an anti-phishing mobile app and a variety of identity theft protection tools in addition to its tri-bureau credit monitoring services.

The company, unfortunately, does not provide partial refunds or credit reporting of any type.

Identity Guard's services are also relatively expensive considering what's included in comparison to other companies in the credit monitoring industry.

Those interested in Identity Guard’s credit monitoring services can visit the company’s website and can read customer reviews to learn more. 

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

info

3.2

star star star star_border star_border

99 Reviews

Review Breakdown

5 grade

29%

4 grade

28%

3 grade

6%

2 grade

4%

1 grade

32%

Sentiment Criteria

Value

star star star star star_half

Quality

star star star star star_half

Service

star star star star star_half

Trustworthiness

star star star star star
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
star star star star_border star_border

Michael J Gervolino Las Vegas, NV

There is not much financial activity in my life. Last year you reported a credit check, which was helpful to me. In January of this year I withdrew a large amount of money from two checking accounts, the numbers are available to you, but there was no notification of this action from you. Therefore, I was concerned about the protection service. Also,

9 years ago

star star star star_border star_border

Johan Kirkland, WA

Pros: Great resource of information. Accurate. Good price.Cons: Couple times in the past few years been bugs in the credit reports not displaying on the site which required me to call in to clear up. Calling any phone support is never a joy.

8 years ago

star star star star_border star_border

Karen Mintz Mooresville, NC

I have been satisfied with the service I've received without problems and with problems (Ex:Identity Theft online) but the price is higher than what I received on my 1st quote ($7.99) and another company, Life Lock, has offered a much better deal for a much lower price.

9 years ago

star star star star_border star_border

MH Charles Town, WV

ID Guard provides a wonderful service at a reasonable price. My only complaint is they are not very quick to notify you of changes to your credit report. They send you monthly updates and I was used to getting an email the very same day of the change with my previous security provider.

9 years ago

star star star star_border star_border

James Anthony Huggins

Service is fine but could be better if you offered a reduced rate on pulling scores more than once a month. I mentioned this to Identity Guard previously and never heard back. Why should this be any different? Thank you.

9 years ago

star star star star_border star_border

William Deaton Olathe, KS

Notification good No help in getting incorrect entries removed from my public record.

9 years ago