Identity Guard provides credit monitoring services and identity theft protection as well as access to your credit reports and credit scores.
Identity Guard monitors your credit files at Experian, Equifax, and TransUnion on a daily basis, and they monitor the Internet for fraudulent activity involving your personal information and important financial data.
In addition to monitoring your credit files and personal identity, Identity Guard will maintain fraud alerts at all 3 credit bureaus, which help protect you against credit fraud (Read this article to Set Fraud Alerts for Free).
They also provide access to your credit reports and credit scores, either through one of their credit monitoring plans or separately, depending on your needs.
Identity Guard offers 4 basic credit monitoring and identity theft prevention packages, which are labeled as Level 1 through Level 4.
Level 4, Identity Guard® Total Protection, provides the most protection.
All 4 levels provide basic protection like credit monitoring with email notifications and fraud alerts; however, only levels 3 and 4 monitor all 3 credit bureaus, so if you’re serious about protecting your identity, you should only consider these two options.
Both Level 3 Extra Caution and Level 4 Total Protection provide daily credit monitoring at all 3 bureaus, quarterly updates of your 3-bureau credit report and score, daily Internet monitoring, fraud alerts, and up to $20,000 in identity theft insurance with a $250 deductible.
Level 4 also provides public record profile monitoring and Internet scanning for fraudulent applications in your name, and since Level 4 is only a couple of extra dollars, it may be the best option.
Identity Guard® Extra Caution, Level 3 protection, has a special price of $11.99 per month with your second month free, or you can pay $129.95 for the entire year, which will save you about $25 per full year of payments.
Identity Guard® Total Protection, Level 4 protection, has a special price of $14.99 per month with your second month free, or you can pay $169.95 for the entire year, which will save you about $10 per full year of payments.
You can also choose from various combinations of reports, scores, credit card registration services, and personal identity monitoring packages, so you can pick only the features you want. Visit the Identity Guard Site Map for a full list of services (listed under the Fight Back section on the site map).
However, the Identity Guard Level 4 Total Protection package is probably the best option to completely protect your identity and receive regular access to your credit reports and credit scores.
Identity Guard also provides toll-free customer service with all of their packages to assist you in an emergency and answer any credit questions you may have.
The Identity Guard Free Trial Offer even allows you to get free credit monitoring for 3 months with no commitments.
Read our article on Credit Monitoring Services for more information on monitoring your credit.
You may also want to Order Your Free Credit Reports to check for errors and monitor your credit files at least once a year.
Take advantage of Identity Guard® Total Protection identity theft prevention services to monitor your credit files and secure your financial information, plus receive access to your credit scores and credit reports.