THE GOOD

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 10 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 about $7 per month all the way up to $34 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.

THE BAD

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.

THE DETAILS

Details
Automatically Enrolled in Credit Monitoring Yes
Available Reports Equifax, Experian, TransUnion
Available Scores Equifax, Experian, TransUnion
Length of Free Trial Period 14 days
Monthly Monitoring Fee After Free Trial $19.99 - $24.99
One-Time Credit Report Price Free
One-Time Credit Score Price Free

FEATURES

Title
  • Email Notifications You can receive email notifications of major changes to your credit score.

  • Equifax Monitoring The credit company provides 24/7 monitoring of your Equifax credit file.

  • Experian Monitoring The credit company provides 24/7 monitoring of your Experian credit file.

  • Identity Theft Protection The credit score company will monitor your personal information and help you protect against identity theft.

  • Monthly Credit Statement The credit score company provides a monthly credit statement.

  • Text Notifications You can receive text notifications of major changes to your credit score.

  • TransUnion Monitoring The credit company provides 24/7 monitoring of your TransUnion credit file.

  • FICO Monitoring The credit company monitors your FICO scores.

  • 3 Bureau Credit Report You can get a credit report from the big three credit agencies.

  • Equifax Report The credit company provides access to your Equifax credit report.

  • Experian Report The credit company provides access to your Experian credit report.

  • TransUnion Report The credit company provides access to your TransUnion credit report.

  • Business Credit Report You can get a business credit report from the credit report company.

  • Free Credit Report The credit report company offers access to a free credit report.

  • One-Time Report You can get a one-time credit report for a flat fee.

  • Equifax Score The credit report company provides access to your Equifax credit score.

  • Experian Score The credit report company provides access to your Experian credit score.

  • Instant Access You have instant online access to your credit scores.

  • TransUnion Score The credit report company provides access to your TransUnion credit score.

  • FICO Score The credit report company provides access to your FICO credit score.

  • VantageScore The credit report company provides access to your VantageScore.

  • Account Balances The credit report displays the balance on existing loans or credit accounts.

  • Credit Inquiries The credit report displays the names of companies that have made inquiries regarding your credit history.

  • Credit Score Factors The credit report presents a summary of positive and negative factors that impact your score.

  • Hard Inquiries The credit report includes hard inquiries on your credit history.

  • New Credit Accounts The credit report displays the creation of new credit accounts.

  • Public Records Report The credit report company includes any information about you from public records.

  • Soft Inquiries The credit report includes soft inquiries on your credit history when you request the report.

  • Dashboard Your online account has a dashboard featuring important credit-related information.

  • Debt Profile Your online account includes a summary of your total debt.

  • Online Account You can create an online account to view and monitor your credit information.

  • Total Credit Your online account provides a summary of your total credit limit.

  • View Alerts You can view alerts associated with your credit score online.

  • Dispute Incorrect Items You can dispute incorrect items on your credit history online.

  • Score Estimator A tool exists that allows you to simulate how your future financial decisions might affect your credit score.

  • Email The company has an email or ticket system dedicated to support.

  • Phone You can contact the company by phone to get support.

  • Social Media You can contact the company with questions through social media websites.

  • Live Chat The company offers live chat support.

  • FAQs The company provides a list of answers to frequently asked questions.

  • Knowledge Base The company provides a knowledge base of detailed help articles.

  • Video Tutorials The company provides video tutorials.

  • Blog The company maintains a blog with useful industry-related articles, tips, or other valuable content.

  • Access Account You can access your credit report account from a mobile device.

  • Android App The credit report company offers an Android-specific app.

  • Get Credit Score You can get your credit score through the mobile app.

  • iPhone App The credit report company offers an iPhone-specific app.

  • Mobile Alerts You can receive alerts for certain changes to your credit score.

  • Mobile Website The credit report company provides a mobile-specific website.

  • Tablet The credit report company offers a tablet-based app.

  • Favorable Reviews The credit report company has a combined 3.5 stars or greater for their iPhone and Android apps.

PRICING

Identity Guard Total Protection

$19.99/month

Identity Guard Platinum

$24.99/month

All of the packages listed above come with a two-week free trial. Identity Guard offers a variety of additional credit monitoring and reporting packages and add-ons that can be purchased.

Comparable


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