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Identity Guard is a product of Intersections, Inc. and was created to provide all consumers with the opportunity to receive the trusted expertise and protection that was previously only offered to financial institutions. Identity Guard is a leading provider of consumer and corporate identity risk management services.
According to the Identity Guard website, the company's mission is to "educate and empower every person to take control of their personal information to avoid fraud, theft, or misrepresentation of their information." Some of the protection services that Identity Guard offers include personal risk assessment, proactive action steps, quarterly credit scores and credit reports from all three major credit bureaus, around-the-clock monitoring service and fraud alert notifications, and up to $1 million in stolen funds reimbursements insurance.
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Identity Guard offers comprehensive identity theft protection services and packages which include credit monitoring services, internet scanning, social security number monitoring, financial account monitoring, public record monitoring, fraud alert notifications, and credit freezes. Because Identity Guard provides so many monitoring services, it is much more likely that identity theft will be caught and shut down before it actually happens.
All of the monitoring services that Identity Guard offers to protect against identity thieves run 24/7 which is designed to help customers keep a peace of mind. Identity Guard provides monitoring services for everything from a customer's bank account (including checking account and savings account) to lost wallet protection and/or data breach security. The company appears to provide U.S.-based customer service support to those who have regarding their identity protection services and accounts.
Identity Guard offers three plans: the Advanced Technology Identity Guard with Watson plan, the Quarterly Three-Bureau Credit Updates Identity Guard Total Protection plan, and the Monthly Credit Report data Platinum plan. The Watson plan costs $19.99 per month and includes IBM Watson artificial intelligence, proactive action steps, and a personal risk assessment.
The Total Protection plan also costs $19.99 per month and includes quarterly credit score and credit report checks, 24/7 monitoring and alerts, and $1 million insurance for stolen funds. Lastly, the Platinum plan costs $24.99 per month and includes monthly credit score and credit report checks, 24/7 monitoring and alerts, as well as $1 million insurance for stolen funds. All of Identity Guard's plans prices are fairly priced in comparison to other identity theft protection companies.
The company offers two data breach services which include data breach readiness and data breach response. Identity Guard allows organizations to prepare for data breaches by providing them with network scans, data monitoring, employee security awareness training, an official Data Breach Readiness Guide, and other identity theft protection tools as well as online educational tools/resources that organizations can use to get their systems ready to protect against future data breaches.
Organizations will have the opportunity to plan out and develop a coordinated response to data breaches with Identity Guard's data breach readiness service. The Identity Guard data breach response service allows organizations to get the help and support they need to restore their customers' and investors' confidence levels post-breach and will provide organizations with a designated breach team and in-class products to help their affected customer base after a breach occurs.
Identity Guard customers receive up to $1 million in identity theft insurance coverage, which reimburses them for theft-related expenses in the event of identity theft. For example, the policy covers lost or stolen wages of $2,000 per week for up to five weeks, travel expenses of up to $1,000 per policy period, and spousal and childcare of up to $2,000 per policy period.
Identity Guard is partnered with AIG (a multinational insurance corporation that is based in the U.S.) to provide customers with $1 million in cash in case a customer becomes a victim of identity theft. Those who do fall victim to identity theft are assigned to a resolution specialist who will help monitor the customer's data for a total of three months post-resolution in order to protect against and prevent identity theft incidents in the future.
One of Identity Guard's most standout features is a digital privacy protection suite. The company offers anti-virus software, password protection, malicious website blocking, ad blocking, flash blocking, tracking cookie blocking, phishing site blocking, keyboard encryption software, and online financial tools. Identity Guard also provides customers with a social privacy manager and an anti-phishing mobile app.
Identity Guard used automated settings to strengthen online privacy for individuals and families in regards to social media use. Since Identity Guard offers anti-virus and anti-phishing software, customers do not have to pay out-of-pocket costs to obtain their own software. Many other identity protection companies do not offer as much protective software as Identity Guard. The company promises to keep any and all customer information protected by using industry standard encryption.
Although Identity Guard does offer financial and criminal identity restoration services, the company does not assist with medical or tax identity recovery. Additionally, Identity Guard does not work with pre-existing identity conditions (for those who already have a stolen identity) nor does it provide limited power of attorney. Meanwhile, many other companies in the identity theft industry do offer most or all of these services.
Even though customers can cancel their membership/services with Identity Guard at any time, the company does not offer a complete money-back guarantee policy. According to the Identity Guard website, customers are "not entitled to any credit, refund, price adjustment, or any other discount, compensation or recompense for any partial-use or early cancellation." Refunds only seem to be available for special circumstances.
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Two years after receiving an alert someone is using my 11 year old son's SS #, I have been sent to the SS Administration, told to pull Credit reports from the big three, pushed to contact LexisNexis who is no help and still have no resolution. IdentityGuard, is great for SLOWER than slow response to email, and calling is annoying going through the whole verification process and again telling the two year tale of my son's SS # from the beginning to another new rep. While I believe IdentityGuard is better than LifeLock, this has been one of the most frustrating experiences of my life. I would never recommend IdentityGuard to anyone, and advise steer clear. If anyone has a better solution please by all means please advise as this company next to LifeLock is the armpit of Identity monitoring.
Though I only had ID Guard for a short time, I liked the service provided. For the peace of mind and all the information and services offered, the monthly price seemed reasonable. And yet, when I went to cancel my service, the rep even offered a price reduction so that I could continue my service (I was canceling for personal budgeting reasons). The rep was very pleasant and very polite. Definitely the service I will go back to when I can afford an extra monthly payment again. I liked the prompt notifications I received and the credit reports and monitoring I could get under ID Guard's service. And that's just the tip of their service offers. Definitely recommend ID Guard.
Awesome, and worth the money.
They do help provide some peace of mind that someone is minding the store, so to speak. If I have one criticism, it is the alerts. I have received alerts twice in the last 2 months. It is still not clear from the "details" of the alert as to what triggered it in either instance. In both cases, one of my creditors was listed (presumably that company listed has either run a credit check with one of the credit bureaus or reported to them, but it is unclear to me which is the case - that is not explicitly stated). Given the lack of details, it is not immediately obvious to me if there is something about which I should be concerned, and I am left to try to infer what was the trigger.
The one thing that would make this service better (even if there was a reasonable fee to the monthly charge) would be the ability to pull my credit report once a month, versus once a quarter. Paying an extra 15 bucks each time I want to see an updated report kinda sucks. I would prefer having the option to pull my report once a month and perhaps pay a couple extra bucks a month for the service.