Identity Guard

• 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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• 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.