Identity Guard Review
With many options available, Identity Guard® makes it easy to find a credit monitoring plan that suits your needs without breaking the bank. However, the inability to get a one-time report may take them out of the running for some.
Comprehensive credit services
Identity Guard® should definitely be on the radar of anyone looking for credit reports, credit monitoring, and triple-bureau credit scores all in one place. When you sign up for credit monitoring, you get access to your credit reports from the three major credit bureaus: Equifax, Experian, and TransUnion. You also get to view your credit scores, which are updated monthly so you can see how they change over time. In addition, you have access to Identity Guard’s Credit Analyzer tool, which enables you to see how certain financial decisions affect your creditworthiness. This is a useful option to have for anyone looking to improve their credit over time.
Plenty of plan options
With 3 options to choose from, all at different prices, you can be sure to find a plan that has everything that you need and nothing that you don’t. Plans range from $8.99 per month all the way up to $22.99 per month, so you also shouldn’t have a problem finding a credit monitoring solution that fits your budget.
Identity protection services
Along with their credit offerings, Identity Guard also provides some of the best identity theft protection services in the industry. They monitor personal information like your name and Social Security number and alert you of any changes so you can quickly take action if any fraudulent charges appear. These services are included in the same plans as their credit monitoring service so you just pay a single monthly fee for both. Some of these plans may cost a little more than others in the industry; however, it’s important to weigh the additional benefits you’re getting with their ID protection service before making your purchase.
Capable mobile app
For those who value convenience and flexibility, the Identity Guard mobile app will be a nice bonus. Available for iPhone, Android, and BlackBerry, the Identity Guard app enables you to view your credit account and alerts you of any changes to your accounts. You can also access your credit score. While a mobile app is not likely to be a make-or-break item on the checklist for a credit score or credit monitoring company, it’s a nice added feature and something to consider when making a purchasing decision, particularly if you’re always away from your computer.
No FICO or VantageScore
The FICO score is the score most widely used by lenders in the U.S. to determine a person’s creditworthiness. The VantageScore is a newer score that was introduced to compete with FICO and is sometimes used by lenders as well. These scores are not offered by Identity Guard and, if they are particularly important to you, it would probably be a good idea to shop around for a company that does offer them, like MyFICO.
No flat-fee one-time report option
If you aren’t interested in credit monitoring or identity protection and just want to check your credit scores, Identity Guard won’t be the right company for you. Unless you sign up for one of their credit monitoring plans, you have no way of viewing your report. This shouldn’t be an issue, however, if you’re looking for a credit monitoring service in addition to a credit report.
- Automatically Enrolled in Credit Monitoring: Yes
- Available Reports: Equifax, Experian, TransUnion
- Available Scores: Equifax, Experian, TransUnion
- Length of Free Trial Period: 30 days
- Monthly Monitoring Fee After Free Trial: $8.99 - $22.99
- One-Time Credit Report Price: Free
- One-Time Credit Score Price: Free
Identity Guard Essentials
- Price: $8.99/month
Identity Guard Total Protection
Identity Guard Platinum
- Price: $22.99/month
All of the packages listed above come with a 30 day free trial. Identity Guard offers a variety of additional credit monitoring and reporting packages and add-ons that can be purchased.
The scores you receive with Identity Guard® are provided for educational purposes to help you understand your credit. They are calculated using the information contained in your Equifax‚ Experian and TransUnion credit files. Lenders use many different credit scoring systems‚ and the scores you receive with Identity Guard are not the same scores used by lenders to evaluate your credit.