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Identity Guard® Credit Reporting Review


Rating: 8.6 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner.
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Identity Guard® is a quality provider of identity risk management services. It also provides credit monitoring and credit reporting data based on data from all three major credit bureaus with its Total Protection and Platinum plans. Credit reports and credit scores gives you the ability to stay on top of your finances by informing you how creditors and financial institutions view your credit worthiness.

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 Reporting Features

Identity Guard offers 3 plans that comes with credit reporting, monitoring and identity theft features. Its top-tier plan in particular provides monthly credit score updates from the three major credit bureaus.  Services also include text and phone alerts to help you keep track of certain activity in your credit file.

 

Credit reporting frequency

Monthly

Credit monitoring

Monitors credit reports for certain activities

Credit reports

Gives access to your credit reports

Credit scores

Gives access to your credit scores

Warning reports

Timely alerts to notify you of certain activities

 

 

Credit Bureaus

Identity Guard offers credit monitoring at the three major credit bureaus. It monitors your credit file for certain activity. Alerts are then sent notifying you of certain activities.

 

Experian

Yes

Equifax

Yes

Transunion

Yes

 

Pricing

 

 

Essentials

Total Protection

Platinum

Price

$9.99

$3 for 30 days then $17.99/mo after

$24.99

3 Credit bureau monitoring

 

Yes

Yes

Credit report updates

 

3 credit bureaus

3 credit bureaus

Credit scores

 

All 3 scores

All 3 scores

Credit score updates

 

Quarterly

Monthly

 

 

Identity Theft Protection

Identity Guard does not only monitor and provide credit alerts, but also helps in the unfortunate case of identity theft. The company provides assistance with their fraud specialist and its $1 million identity theft insurance.

 

ID Theft Insurance

$1,000,000

Fraud assistance

Yes

Lost wallet assistance

Yes

 

Alerts

 

Email

Yes

Text

Yes

Phone

Yes

Mobile

Yes

 

 

Support Services

 

Telephone

Yes

Email

Yes

Knowledgebase

Yes

 

Credit Reporting at Identity Guard

Monthly credit scores from the three credit bureaus and identity theft protection are just some of the solid features available at Identity Guard. It provides daily credit monitoring ensuring that your credit information is protected against unauthorized use or when your identity is being used to open a new account or loan. Identity Guard certainly comes loaded with its credit reporting and identity protection features. Making it one of our top choices on our list of the best credit reporting services available today.

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


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