PrivacyGuard Credit Reporting Review

Rating: 4.2 / 10 (Average)
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PrivacyGuard is a credit reporting service operated by the Trilegiant Corporation. It offers credit reports and scores, identity theft protection and insurance, and early credit monitoring of the Big Three credit bureaus. Other optional services include assistance with lost or stolen credit cards, public records monitoring, and online help for people who have been defrauded.

How is PrivacyGuard rated?


Credit Score & Reports
Monitoring & Tools
Plans and Pricing
Reputation & Support

Overall Rating: 4.2 / 10 (Average)

PrivacyGuard claims to offer better-than-average credit reporting services at an average cost. They provide both credit scores and reports, as well as ID theft prevention and ID theft insurance. The company's introductory offer is not quite as good as others, since the time period is only 14 days and it costs $1 instead of being free. Of more serious concern, however, are the billing practices of the company that owns and operates PrivacyGuard, which have landed the company in trouble in 47 states. Consumers may be attracted by PrivacyGuard's more robust array of services, but should be wary and watchful about its recurring billing policies and practices.

Credit Score & Reports

Credit Score & Reports - 7 / 10

Unlike some of its competitors, PrivacyGuard offers its customer both credit scores and credit reports. Credit monitoring and change alerts are done daily, while reports are issued once a month. These services are somewhat better than industry norms.

Credit Bureaus Covered

Credit Report Frequency
Access to Credit Scores
Access to Credit Reports

Monitoring & Tools

Monitoring & Tools - 3 / 10

Like many of its competitors, PrivacyGuard offers its customers some financial planning tools that can help them make informed credit decisions. It also offers both identity theft alerts and identity theft insurance, which not all credit reporting firms do.
Credit Tools
Credit Analysis Calculator
Credit Change Alerts
Interest Rate Estimator
Security & Protection
Identity Theft Monitoring
Identity Theft Insurance
Identity Restoration Support
Lost Wallet Protection
Identity Theft Insurance Limit

PrivacyGuard Plans & Pricing

Plans and Pricing - 4 / 10

Although PrivacyGuard does not have a free trial, it does have a 14-day trial period for only $1. However, if the customer does not cancel within that time, he or she is then billed monthly at full plan rates. The company's basic credit monitoring plan costs $19.99 per month. Basic ID theft protection costs $9.99 per month. A combination plan costs $24.99 per month. These rates are competitive with others in the industry.
30-day Trial Available?
Monthly Price
Starting at $19.99

PrivacyGuard Reputation & Support

Reputation & Support - 4 / 10

PrivacyGuard is owned by Trilegiant Corporation, which in turn is part of the Affinion Group. Regulators in 47 states have penalized this company for unfair and deceptive business practices. Affinion and Trilegiant have also been named in various class action suits, many of which focus on the companies' billing practices. PrivacyGuard employs similar recurring payment models, so consumers should be wary. The BBB gives Affinion Group an A+ rating, due in part to the company's apparent responsiveness to consumer complaints. Neither Privacy Guard nor Affinion is listed on TrustPilot.

Customer Feedback

BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews

Contact & Additional Company Information

Homepage URL
Company Phone
(203) 956-1000
Headquarters Address
6 High Ridge Park, Stamford, CT, 06905

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