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Identity Guard

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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. 

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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.

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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.

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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. 

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Star Rating

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3.2

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99 Reviews

Review Breakdown

5 grade

29%

4 grade

28%

3 grade

6%

2 grade

4%

1 grade

32%

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Verified Customer

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Review Source

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Andrew

It's been pretty good. Some website issues, but with the latest update it has gotten a lot better. Kind of expensive. Doesn't really explain your scores very well or how to improve them or what counts against you.

3 years ago

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Reply from Identity Guard

Hi Andrew, we're happy to hear that you're finding the new website easy to use! Thank you for your feedback, and if you have questions about the information in your user dashboard, please don't hesitate to give our Customer Service team a call at 1-855-443-7748.

Apr. 16th, 2020

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Jeff L Centreville, VA

I have been a member of Identity Guard for many years. I have found their service to be both informative and timely. When inquiries or new accounts are being reported by any of the three major credit bureaus, I get notification quickly. I find the formatting of my credit report to be easy to read. As far as the scores that Identity Guard provides, I found them to be very close (I "bought" my scores from annualcreditreport.com at the same time) to what the bureaus provide. As far as customer service, I can only speak for myself........but it is such a pleasure to speak with a representative in the US. Unlike so many other companies that are "outsourcing" their customer service departments. I have great trust in Identity Guard, because of my longstanding service with them. I would give them very high marks!!

7 years ago

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Jay Cummings Independence, IA

I started with IDG about 6-8 years ago while owning my own business and using personal info to obtain commercial loans. I was also using my credit card to purchase raw materials and the card would get poached about once every 1.5 years. (BTW Citbank was great) Initially the log in was kinda cumbersome. I sold my biz and let IDG expire. A few years later I wached a show on ID theft and thought an ounce of prevention would be reasonable. The log on appeared more user friendly and they were able to pick up where I left off. Thus far totally happy with them. Also suggest folks use their passbook on their iPhones. This submits a charge to your card the second it is run. Great way to keep an eye on stuff.

8 years ago

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Jordan Blahnik Billings, MT

I have been very satisfied will my Identity Guard service. I know my credit reputation in secure with them. I had an issue with a false negative report and I called Identity Guard customer service. The agent advised me on how to have it corrected and even mailed me a packet with the proper forms to use. The website is easy to use and I am kept well informed of all activity with my accounts. I would like to thank the people at Identity guard for making my life much simpler. I will be a customer for years to come.

8 years ago

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Rmaurer New Orleans, LA

I was s member that came over from Chase. My personal experience with you is outstanding. However, I have been disappointed with new member options for spouse and the Costco membership for family. You are never really upfront with what your memberships include. A bit confusing, bordering on deceptive. conclusion: "older memberships great; newer membership questionable value.

9 years ago

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John Eremic Monroeville, PA

I have been using Identity Guard for several years. I can't think of anything to complain about. I get periodic reports in a timely manner and the coverage is comprehensive. I did not rate them a 10 because the true test is what happens if you are a victim of identity fraud. Fortunately, I have not had to test their service in that regard yet. I was just notified that our personal information had been hacked at a cruise booking service that we used about 10 years ago - so we'll see.

9 years ago

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Louis Grove, OK

So far, my wife and I have had only courteous, helpful representatives, every time we phoned in about something. So far, all issues have been resolved to our satisfaction. So far.......... I did not think to check with each credit reporting agency to make sure my scores were the same as on IDG. Will probably do that in the near future.

8 years ago

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Belinda Thomas Rogersville, MO

I think everything is fine. I was referred when Chase stopped offering this to their customers because they had used this company. The only issue is that under Chase I could get a printed report sent to me in the mail if I requested it. I did this once a year to keep a history of my closing accounts (not everyone has a printer).

9 years ago

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Adena L. Wilson Boise, ID

I called your toll free number for assistance, and a young man who answered was very professional and knowledgeable, and resolved my issue, which was my own misunderstanding of how to read my report and navigate your website.

9 years ago

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Benes Trus Bethesda, MD

It is nice to know that someone is watching out for my credit in these times when everyone else seems to be having problems. Alerts are timely, and so far (knock on wood) there has not been a problem. If there is a future problem, I'm certain identity guard will catch it. BT

9 years ago

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William E. Burkett Amherst, MA

I have no prior experience with any Identity Guard competitor. Therefore, I have nothing to compare my Identity Guard experience with. However, I will grade my Identity Guard experience an 8, since I have not had any problems in when interactive with Identity Guard representatives.

9 years ago

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Karon Wood Mcminnville, TN

Keep me informed of any fraud that might happen. I did have someone get my information and they took care of it for me. I have had no problems and I like that I'm able to keep up with my credit score

9 years ago

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JASMINE MIKIITA Scranton, PA

So far I am happy with Identity Guard. You have found a couple of problems but it all turned out correct. You are checking out my computer to be safe and no one hacking into my computer

9 years ago

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Janice Butzky Fort Worth, TX

I have been very pleased with the experience of using Identity Guard for information about my credit report, credit repair information, and the protection of my major credit cards. Very good service and reasonable cost.

9 years ago

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Mohammed B. Sayeed Sr Addison, IL

My wife & me find it really awesome in strict sense and have peace of our minds now and as before as it used to be with Chase ID Protection before joining Identity Guard

9 years ago

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Jessica Thorne Denver, CO

Love the site and all its capabilities. The app is so limited, though, that I uninstalled it so I could just access it on the internet browser because it was easier.

9 years ago

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Verified Customer

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Review Source

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Susan Solomon

Identity Guard was extremely helpful when my credit card account was hacked.

4 years ago

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Reply from Identity Guard

Hi Susan, thank you for your review! We're glad to hear that Identity Guard could help.

Mar. 10th, 2020

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Theda Sharp Swanton, OH

Feel comfortable that I will get alerts of any irregularities. Have recommended it to a friend who had her account "hacked".

9 years ago

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Don Wobig Twinsburg, OH

However, some times the login process does not work the first or second try. That's a pain.

9 years ago

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Deborah Beall Fairfield, CT

Identity Guard gives me some level of "peace of mind" related to cyber fraud.

9 years ago

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Joel Jones Baton Rouge, LA

Consistently professional, and accurate. I feel safer having the service.

9 years ago

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stanley herzog Geneva, IL

So far it is ok. I did get one notification. It was however an existing bank.

9 years ago

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George Cortes FL

Good service notices for inquires or activity. Like the score updates

9 years ago

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barbara speight Chesapeake, VA

have trouble getting rid of wrong address. i do like identity guard though.

9 years ago

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Michael Mooney Vero Beach, FL

Excellent! You have kept me informed as to my status regularly. Thank you.

9 years ago

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Josh Albuquerque, NM

After I posted my original review the company returned my payment.

9 years ago

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Mike Corrigan Winchester, MA

Very good reviews and have helped me to choose a vendor.

8 years ago

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robert masotta Venice, FL

all is well info received is very useful

9 years ago