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Last updated on October 24, 2017

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.

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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 based on data 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.

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 certain changes so you can quickly take action if 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.

The Details


  • 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
    If you do not cancel your membership within the free trial period, your card will be charged either a monthly or annual fee, depending on the membership plan you choose. You may cancel your membership anytime simply by contacting Identity Guard.
  • One-Time Credit Report Price: $19.99


Identity Guard Essentials

  • Price: $8.99/month

Identity Guard Total Protection

  • $14.99/month

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.

Credit scores are provided by CreditXpert based on data from the credit reporting bureaus.