In today’s world, where each user is either online or mobile, keeping your identity safe and protected has become a top priority. The truth is, the more the internet and information technologies evolve, the more things like cybersecurity become essential for a seamless experience each time you visit the web.
Identity theft can be a huge nuisance
Your online identity holds all the critical information regarding your personal, financial, social, and online life. The more people use the internet, the more they are exposed to some level of identity fraud.
Studies and research have shown that the numbers of such frauds and identity theft are increasing as time goes by.
Therefore, protecting your online identity has become increasingly important, especially if you have worked really hard to build something for yourself.
So, what can you do to protect yourself?
You can look into companies like Identity Guard to keep your identity safe and secure at all times. With that in mind, this guide will show you all you need to know about ID Guard, what they do, their services, the good, the bad, and the ugly.
The point of this guide is to inform you about identity fraud and theft. It will also show you what you can do to prevent it.
Identity Guard Offer Details
According to the information on their site, Identity Guard is an identity monitoring company that offers a wide range of identity protection services to shield the users against theft. Their main goal is to protect the identities of their users.
The features the company provides help individuals, and families keep track of personal and identity information. It costs a small monthly fee to hire these services, and Identity Guard is pretty affordable when compared to some of their competitors.
What makes Identity Guard different or even better than the competitors is the fact that the company applies a multi-pronged approach to identity protection. Their services help users protect the most vital personal information related to everything they do in life.
There are several different ways Identity Guard can protect its users. The company allows users to partner up and make shared efforts to ensure the highest level of protection.
Users who decide to sign up can count on the following features:
- Credit reports from three bureaus with regular updates every three months
- Same-day notifications whenever something suspicious occurs
- Monitoring for the use of their bank account, credit cards and SSN numbers
- Keystroke encryption protection online
- Firewall and antivirus software
- In case your wallet gets stolen, access to your means
- Reimbursement insurance
The internet is a place where the black market for selling personal information is booming. Cybercriminals and hackers use this black market to sell and exchange all the personal and financial information they’ve stolen from the unaware internet users.
Fortunately, that part of the internet is known as the Dark Web, and very few know how to access this foul network where online criminal activities take place. That’s exactly what Identity Guard does for the users. The company deals with these activities so that the average internet user doesn’t have to.
Every internet user that isn’t aware of how to protect their personal information and identity online can fall victim to such attacks and activities. To prevent that, these users hire ID protection companies not only to protect them but also to retrieve their stolen identities.
These companies offer to monitor the black market to look for any piece of personal information of its users that might show up.
If someone took advantage of your bank account numbers, registered credit cards, or your social security number, the company looks for that information and identifies it.
If they manage to find your personal information on the market, you’ll be alerted. This is probably one of the essential features the company provides. It can stop cybercriminals before they do any actual damage.
There’s a lot of things these criminals can do with your information, such as making purchases in your name or taking your money.
Identity Guard Pros
- 30-day free trial for those who enroll through ASecureLife
- Individual and family ID protection plans
- Advanced risk protection with IBM Watson
- Easy to use
- Lost wallet protection
- Mobile support
- Keyboard encryption
- Antivirus software
Identity Guard Cons
- Credit reports only offered to those with more expensive plans
- Value Plan doesn’t include credit monitoring
- Services are more costly than with other ID protection companies
- No money-back guarantee
- No 24/7 tech support
Identity Protection Services
In this age, where a data breach has become a real threat to every single person or business using the internet, it’s important to know what your options are when it comes to protecting your online identity. Having an adequate level of identity theft protection has become paramount.
It helps catch, stop, and prevent all instances of identity theft before it goes out of control. That is where the Identity Guard comes into play. The company offers a lot more than just credit monitoring. If your identity profile gets involved in any cybercriminal activity, you’ll get an alert.
With that in mind, there are three different identity protection plans, each with different features:
- Value plan – designed for persons who are interested in extensive monitoring, a value plan provides a comprehensive identity protection service that includes four features. The price is $7.50 per month.
- Total plan – designed for persons who need additional protection for their credit information, a total plan includes all the features of a value plan and more. It’s a great service that provides advanced identity protection. The price is $16.67 per month.
- Premier plan – designed for people who want the most advanced, up-to-date online protection, a premier plan provides the most powerful protection with a wide range of useful features. The price is $20.83 per month.
Since all three plans offer similar but different identity protection features, we’ll focus on Premier plans and all the features it offers.
A Premier plan is aimed at individuals who have an educated understanding of how important online protection is today. These individuals are looking for the most advanced and powerful identity protection. While Value and Total plans provide an additional level of such protection, a Premier plan goes much further.
This plan doesn’t only protect your identity online. It provides a full range of protection for your social, personal, and financial identity. It’s a complete protection plan that guarantees extra safety each time you surf the net.
Here are the features a Premier plan includes:
- Dark web monitoring
- Risk management report
- Safe browsing tools
- Anti-phishing mobile app
- Monthly credit score*
- Address monitoring
- 3-Bureau credit monitoring
- Tax refund alerts
- Credit score and report
- Social insight report
We’ll delve deeper into some of these features just to make sure our readers get a full understanding of how they help protect their identities online.
IBM Watson AI
IBM Watson artificial intelligence sends alerts your way each time any piece of your personal information appears somewhere where it could be misused. This powerful AI monitors enormous chunks of data that flow online, and it processes all that information to identify any possible threats to your identity.
Bank Account Takeovers
This feature alerts you every time a change to your personal information occurs. If a third party tries to make any change to your email address, address, or name, you get alerts.
This also applies to your financial security as well. If someone tries to add a new account or become a new holder of your bank accounts, including IRA, savings, checking, and so on, you’ll be automatically notified.
Dark Web Monitoring
Each time your personal identity information appears on the dark web, you’ll be alerted. If any hacker tries to attack you, take advantage of your health insurance number, financial account numbers, credit cards or SSN, and so on, this feature ensures that you get notified about it.
Credit Score Report
ID Guard provides a thorough monthly Vantage 3.0 credit score. This score is based on an annual credit report with information from Transunion, Experian, and Equifax, as well as TransUnion data.
Social Insight Report
IBM Watson can also help you identify things you can do better regarding your online identity on social media platforms such as Facebook. It helps analyze your timeline to assess your online image and recommend things you can do to keep your online identity safe.
There’s a two-week trial for any of the plans. To try these trials, you’ll have to give your credit card number. What’s really great about all three programs is that all of them include 1$ million in identity theft protection insurance with no deductible.
In case that identity theft does occur, the company offers reimbursement insurance. This insurance covers your losses up to $1 million. This additional insurance backup offers you peace of mind in case hackers manage to get the best of you.
Even though it is highly unlikely that hackers and cybercriminals manage to somehow bypass all security measures of your ID protection, the company offers additional services in the form of 1$ million reimbursement insurance.
This additional insurance covers your losses that might come from identity theft-related travel expenses, lost wages, legal fees, health expenses, etc. That aside, the company also provides an additional $2,000 in cash if your wallet is stolen or lost.
Cost of Signing Up for Identity Guard
Signing up for identity protection service includes several cost tiers users can choose from. The most popular plan is the Total Plan that starts at $16.67* per month. Users choose this plan because it offers the most value while being very cost-efficient.
For those who don’t need such advanced identity protection, there’s a cheaper version with only the most basic features, starting at $7.50* per month. However, this basic plan lacks certain features that ensure full protection.
That means that the users won’t get protection in case they lose their wallet. The plan doesn’t include credit reports or credit monitoring.
How to Use Identity Guard Service
This ID protection service is quite easy to use. The company made the user interface appealing, dynamic, and user-friendly. Viewing your account online requires only a few steps. You can personalize your dashboard to fit your taste and needs better.
The dashboard is where all the action takes place. Any issues that require your immediate attention or action will be displayed in the dashboard. This is also where you receive all essential notifications and information about your account.
The user interface is quite intuitive and makes things so much easier. For those who are always on the move, there’s an Identity Guard app. It’s available for both Apple and Android, and you can install it to track your identity from anywhere in the world.
The app gives you access to your credit scores, credit reports, and account notifications. If any issues with your identity arise, the app automatically suggests the best course of action to take to ensure maximum protection at any time.
The biggest perk of this protection service that makes it better than its competitors is the fact that this identity protection company provides a full-range protection service that keeps your total identity safe.
Aside from providing full financial and banking information protection, the company also provides the digital technology you need to ensure maximum safety and security while browsing the internet.
One more thing that makes this company stand out from the rest is that it allows its users to use just one comprehensive protection tool to achieve your identity protection goals.
Most companies offer either cyber protection or identity protection. ID Guard goes one step ahead of these companies by providing a full range of identity protection services that combine both cyber and identity protection.
Family Protection Plan
The company doesn’t offer protection for individuals only – it also has a Family plan. It’s an excellent way to add extra layers of protection for your children and spouse and save some cash along the way. Hackers and identity thieves often target children as these attacks mostly go undetected.
Children don’t have credit histories, which makes them harder to track and protect. Ensuring that your children are protected also means protecting their credit histories. The Family plan provides protection for minor children and adults in a single household. The price starts at 12.50 per month.
Why We Like It
We like it because of the comprehensive and advanced monitoring services the company offers. These services help users protect their bank accounts, social security numbers, credit cards, personal information such as an address, name, etc.
Their plans are quite affordable and effective. Each plan offers a range of features that ensure a certain level of identity protection. On top of all that, this service has an intuitive user interface, which makes the entire account navigation very straightforward.
The account is easy to use, and users get access to the most important information very quickly. Everything the users need to know is accessible from either the Quick Links box or the tabs at the top of the account page.
The best thing is the dashboard. It provides a clear overview of the user’s account, letting them know if any new alerts, notifications, or actions need to be taken, as well as all the things that are monitored.
That aside, one of the best things about this service is the mobile app. Compatible with Android and iOS devices, the app has a user-friendly interface and provides access to credit scores, credit reports, and notifications on the go.
More importantly, users get the best course of action in case their identity has been compromised in any way.
The company takes pride in sending prompt alerts to users when their identity is in danger. All users receive immediate notifications by text, phone, or email, the moment any unusual activity related to their personal, social, and financial identity has been detected.
Last but not least is the $1 million in identity theft insurance. Any user that becomes a victim of identity theft can use this insurance to cover the costs related to restoring their identity. These costs include child care costs, travel expenses, lost wages, and legal fees.
The only thing that isn’t included is any monetary loss due to identity theft. A great thing is that the company offers identity restoration assistance. Users who have become victims of identity theft get assigned a dedicated case member.
This member provides all the assistance necessary to help the users understand the needed preventive measures, filing a police report, and report stolen credit cards to creditors.
What Can Be Better
The first thing we have to mention is that the monthly credit scores provided by Identity Guard aren’t the FICO scores used by most lenders of this sort. There are also some features missing that other competitors offer, which could make their entire service much better and more effective.
The best example is the missing option to update your account with new email addresses. We’re fully aware that this isn’t a big deal at all, but it could improve the overall protection service. Adding additional email addresses is the addition of extra types of monitoring, and you can’t get enough of that in the online world.
Still, the biggest downside is that the protection it offers comes with a high price for those on a budget. Despite the fact that their plans are quite affordable, there are people on a budget who can’t afford the two most expensive plans.
The problem is that only these two plans offer additional features such as triple-bureau credit monitoring. We’re not trying to bash on more affordable plans, but the devil hides in details, and we’re trying to point all things out so that our readers can make an educated decision.
The service provides personal information monitoring, but this service only notifies users of potential security breaches. It can’t do much to actually fix these breaches. The company should expand its services to ensure total identity protection by including the monitoring of driver’s licenses.
In case that any tax or medical fraud occurs, the Identity Guard service lacks adequate recovery tools. The company’s customer service is often unavailable. It’s something that could disappoint many potential users who are having issues early in the morning, late at night, or during touchy weekend hours.
Identity Guard Alternatives
- True Identity – Protect your personal information & monitor your credit completely with TransUnion.
- Identity IQ – The unique Identity IQ provides members with the components necessary to prevent most serious forms of identity theft.
- IdentityForce – Protecting what matters most.
- Identity Guard vs LifeLock – Here’s how the competition breaks down between Identity Guard and Lifelock.
Identity Guard – The Bottom Line
When we put all the pieces together, it’s safe to say that Identity Guard is a solid identity protection service. It provides advanced protection in a very comprehensive way. They aren’t as cost-efficient as some of their competitors, and they lack some of the essential features that could make their service much better.
That’s a great solution for people in need of individual protection. However, if it’s your family and business in question, too, we feel like there are better options. That aside, it will help continually manage your identity. The company can easily assure the much-needed peace of mind at very affordable prices.
If it’s only your personal information you want to protect, this company is a good solution. However, it’s isn’t the best option if you’re looking for total protection and real-time identity remediation.
IDENTITY GUARD® FAQ. What Visitors Ask About Identity Guard Service
According to the terms of services of the company, it doesn’t charge any penalties or fees for canceling your subscription.
To make sure the cancelation is free of charge, each user should check their next credit card statement.
The best plan depends on the individual needs of each user. Most users prefer the Total Plan, as it includes almost all features the company provides, and it’s quite affordable.
The entire plan starts at reasonable monthly price and offers advanced identity protection features to ensure your personal, financial, and social identity is protected at all times.
While Identity Guard does a great job of keeping your personal information and identity safe and sound online, the best alternative would be LifeLock.
This identity theft protection company is almost identical to Identity Guard, and both offer extremely useful and effective protection services.
The best way to decide which one suits your needs is to read the reviews and make an educated decision.
Identity Guard does an excellent job of protecting your personal identity. The protection plans offer comprehensive and advanced protection at pretty reasonable prices.
If your goal is to protect your personal information, Identity Guard is your best option.
The first thing you should know is that you can’t cancel your account by email, as it’s against the company’s policy.
It’s only because the company wants to make sure to prevent any unauthorized people from canceling your subscription.
You can cancel your account in 2 simple steps:
- Check your invoices to identify your account number
- Call their customer service at 1-855-443-7748 and ask for a customer support representative to speed up the process
The company protects the identity of its users by providing monitoring services that protect the personal, financial, and social identity of users.
These services can be applied to pretty much everything from data breach security, lost wallet protection to the user’s bank, savings, and checking account.
There are 3 different protection plans, all with different features, to ensure full protection according to your needs.
No. The company offers monitoring services, as well as a wide range of additional features, depending on the plan you choose. However, the company doesn’t provide remediation services.
If you’ve fallen victim to identity theft, Identity guard can assign a dedicated case member who will provide all the necessary identity restoration assistance you need to restore your identity.
In the worst-case scenario where your identity is stolen, the Identity Guard offers a two-way approach to this situation:
- A dedicated case member is assigned to the user to provide all the necessary assistance with the identity restoration process and all included actions that go with it.
- The company offers $1 million in insurance coverage to help with the expenses
It’s important to mention that the insurance doesn’t cover for eventual monetary losses that resulted from identity theft.