BACK

shurkin_son / Shutterstock

Products

Protecting your identity: Use Identity Guard to shield yourself from fraud

With one of the fastest alerts in the market, this service lets you know of potentially suspicious activity right away

Summary

If you’re looking for a comprehensive solution for identity protection, consider Identity Guard®.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

The following post has been sponsored by our partner Identity Guard. The analysis and opinions in the story are our own and may not reflect the views of Identity Guard. Learn more about our editorial policy.

Thanks to ever-evolving technology, everyday tasks are increasingly becoming simpler. A couple of clicks, and you can get groceries delivered straight to your door. A few taps in an app, and you control everything in your home – from your A/C to the washing machine to the light bulbs.

Getting access to and managing your financial information has become easier too. Log in to your online account, and it’s all there. Put in your credit card number when shopping in your browser, and the system will remember it. It’s all at your fingertips.

Unfortunately, it can also be at fraudsters’ fingertips.

That’s where tools like Identity Guard can help you keep your data safe. Read on to learn how Identity Guard works, how it can help you protect yourself from identity theft and whether the service is a good choice for you.

Risks of identity fraud

Identity theft has been a growing problem in recent years, threatening the financial well-being of millions of people. Of the more than 3.2 million fraud cases reported to the Federal Trade Commission (FTC) in 2019, identity theft accounted for more than 20% (650,000) of cases, which made it the most common type of fraud that year.

With data breaches becoming the new normal, this data is not surprising – but alarming, nevertheless.

The most common type of identity theft is credit card fraud, occurring in 41.8% of all identity theft reports, according to data from 2019. But there are many other ways fraudsters can get to your data and many ways they can use it. From taking over your accounts and using your credit history to finance purchases to stealing your tax refund or registering crimes under your name, there’s a lot identity thieves can do to wreak havoc on your life.

The issue is so pervasive that it becomes crucial to monitor your accounts and credit reports. Since it may be time-consuming to keep track of all of your records, reports and transactions, it can be a good idea to use a service that will do the job for you and alert you right away of any potentially suspicious activity.

Identity Guard can help you do just that – let’s dive into what it offers.

How Identity Guard works

Identity Guard is a service that monitors your data and alerts you to potential threats. If identity fraud occurs, it will also help you recover by connecting you with a customer care agent assigned to assist you every step of the way.

On top of that, you’ll get a $1 million insurance policy** to cover most losses you may experience as a result of identity fraud.

Identity Guard constantly scans millions of data pieces associated with your identity and sends you an alert when it detects a threat. The service uses IBM® Watson™, a powerful AI that monitors and processes billions of pieces of users’ information 24/7 to help keep them protected. If it detects suspicious activity, it alerts the user almost immediately through app notifications and email. Such alerts can include changes in your bank account information, dark web exposure, data breaches and more.

When the threat is identified, Identity Guard will start working with you to resolve it. The agent who’s assigned to you will work on your case until it’s resolved and will continue to monitor it for up to 60 days after it’s been closed out. Identity Guard’s agents have an average tenure of eight years, meaning you’ll have someone on your side with a lot of experience in helping customers with identity fraud issues.

Currently, Identity Guard is offering three plans. Its Value plan costs $6.67 a month (billed annually) and offers basic identity protection, including risk management reports, dark web monitoring, data breach notifications, high risk transaction monitoring and a safe browsing tool.

The Total plan offers all that and bank account and credit monitoring at $13.33 per month when billed annually. You’ll also receive a monthly credit score from TransUnion.

Finally, the most comprehensive plan, Ultra, includes all these features plus so much more, from social media insights to 401(k) account monitoring to home title monitoring and more. It costs $20 per month when billed annually.

Identity Guard protection plans

PlanValueTotalUltra
Cost (when billed annually)$6.67 per month$13.33 per month$20 per month
Features
  • $1 million identity theft insurance
  • U.S.-based customer care team
  • Risk management report
  • Data breach notifications
  • Dark web monitoring
  • High risk transaction Monitoring
  • Safe browsing tool
  • $1 million identity theft insurance
  • U.S.-based customer care team
  • Risk management report
  • Data breach notifications
  • Dark web monitoring
  • High risk transaction monitoring
  • Safe browsing tool
  • Bank account monitoring
  • 1-bureau monthly credit score*
  • 3-bureau credit monitoring
  • $1 million identity theft insurance
  • U.S.-based customer care team
  • White glove resolution concierge
  • Risk management report
  • Data breach notifications
  • Dark web monitoring
  • High risk transaction monitoring
  • Safe browsing tool
  • Social media insights report
  • Credit and debit card monitoring
  • 401(k) and investment account monitoring
  • Criminal and sex offense monitoring
  • Bank account monitoring
  • USPS address change monitoring
  • Home title monitoring
  • 1-bureau monthly credit score
  • 3-bureau credit monitoring
  • 3-bureau annual credit report

Is Identity Guard effective?

While no service can promise to prevent identity fraud from ever happening to you, you still can minimize potential damage by identifying it as quickly as possible. The sooner you’re aware of fraudulent activity, the easier it will be to shut down, protecting your data and finances.

That’s where Identity Guard excels. While there are numerous services that can track your data and alert you of potential threats, Identity Guard leads the industry when it comes to alert speeds. Thanks to direct relationships with the three credit bureaus – Experian, Equifax and Transunion – it only takes Identity Guard four minutes on average to send out an alert after an event taking place, according to independent research by Ath Power Consulting. Other similar services may take hours to alert users – some even more than a day.

The level of support you get after discovering fraud is also crucial. Navigating the remediation process can be extremely frustrating if you’re not satisfied with the help you’re getting.

Identity Guard reports a high customer satisfaction level. The company has positive customer reviews with a 4.2 rating on Trustpilot and a 4.4 rating on Consumer Affairs, with users noting good customer service and knowledgeable agents.

As you can see, if you’re looking for an effective service to keep your identity safe and act fast if your data is compromised, Identity Guard is a solid choice.

Should you sign up for Identity Guard?

It’s never a bad idea to take extra measures to help protect your identity. Since it’s time-consuming to keep track of all your information, and time is of the essence when it comes to identity fraud, signing up for a monitoring service is a good solution.

Identity Guard offers a comprehensive suite of data scanning services and fast alert delivery speed on top of high-rated customer support, making it an excellent option to consider when you’re shopping around for an identity protection service.

* The score you receive with Identity Guard is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your TransUnion credit file. Lenders use many different credit scoring systems, and the score you receive with Identity Guard is not the same score used by lenders to evaluate your credit.

** Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available in all jurisdictions.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

What’s up next?

In Products

Which Hilton Honors card is best for you?

We give a side-by-side comparison of the Hilton Honors cards to help you pick the best one for your needs.

See more stories
Credit Card Rate Report
Business
14.16%
Airline
15.46%
Cash Back
16.23%
Reward
15.94%
Student
16.78%

Questions or comments?

Contact us

Editorial corrections policies

Learn more