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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. Free Trial

Cliff Brody

Cliff Brody

Credit Report Expert

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Updated: March 18, 2014

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 $6.99-$34
One-Time Credit Report Price Free
One-Time Credit Score Price Free

Features

Credit Monitoring

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  • 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.

Credit Reports

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Credit Scores

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Report Content

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Online Tools

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Support

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Learning Materials

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Mobile

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Pricing

Identity Guard Platinum+

$34/month

Identity Guard Platinum

$19/month

Identity Guard Gold

$14/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.

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