Rating: 9.8 / 10 (Excellent)
16 Customer Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. Learn more.
Identity Guard® With Watson™ offers a multi-layered approach to identity theft protection that is designed to meet an individual's security needs. The company has been offering its services for almost two decades now and has received numerous industry awards. The product is an all-in-one solution that includes all the features a customer would want in an identity theft service.

Identity Guard® With Watson™ Review

Monitor, protect, recover… Identity Guard® lets customers rest at ease knowing their identity is being safeguarded by the IBM® Watson™ advanced artificial intelligence. Watson™ keeps a constant watch by scanning the millions of data points that make up your identity. Traditional monitoring is implemented on top of AI sweeping, making for a double-pronged attack against potential threats. Identity Guard® With Watson™ monitoring is supplemented by 24/7 alerts that can warn you about different dangers, including critical threats such as changes to your banking account or your credit card information, and lower risk threats like stolen phone numbers and email addresses.

Even if someone does manage to steal your identity, you don't have to face the fallout by yourself. Identity Guard® With Watson™ provides a personal case manager who will guide you through the process of recovering your identity and restoring your credit. All the while, you will be covered by the company's $1 million insurance policy* and provided with stolen fund reimbursement.


What does Identity Guard® protect against?

Identity Guard® With Watson™ protects against various types of identity theft. As identity thieves get smarter and craftier, technology struggles to keep up with new tactics and approaches. That's why the combination of Identity Guard®'s traditional monitoring and Watson™'s powerful AI technology can provide the widest range of protection available.

  • Synthetic ID Theft
  • Child ID Theft
  • New Account Fraud
  • Credit Card Fraud
  • Account Takeover Fraud
  • Tax Fraud


Features and Services

Identity Guard® With Watson™ features an extensive list of monitoring tools, alerts, and additional protection tools. It also provides customers with a mobile application and comprehensive customer support.


IBM Watson Artificial Intelligence

monitors and processes information to alert about identity theft threats

1$ million insurance policy

covers losses due to identity theft with stolen funds reimbursement
U.S.-based dedicated case manager helps resolve identity theft issues and personally monitors each case for 60 days after resolution
Risk management score  measures how well identity fraud risk is managed
Mobile application available on iOS and Android mobile phone



Personal information on the Dark Web

alerts when a customer's SSN, credit card numbers, financial account numbers, health insurance number, and more is detected on the Dark Web

High-risk transactions

account takeovers, wire transfers, tax refunds, payday loan applications, utility service applications, and cell service applications
Threats detected by Watson™ breaches, phishing scams, and malware vulnerabilities
Monthly credit score monthly Vantage 3.0 credit score* based on TransUnion data
3-bureau credit changes alerts when changes are made to a customer's credit profile, like new credit inquiries, public records, and more
Bank account takeovers alerts when changes, such as name, address, or email address are made or a new account holder is added to a customer's bank accounts
Requests to open savings or checkings accounts  alerts when requests using a customer's personal information to open new bank accounts at national banks, regional banks, local banks, and credit unions are made
3-bureau credit report annual credit report with information from Equifax, Experian, and Transunion


Additional protection tools  

Anti-phishing mobile app

helps protect iOS and Android mobile devices against phishing scams

Safe browsing extension

helps protect computers against malicious content with an add-on for your Safari, Chrome, and Firefox web browsers that delivers proactive malware protection
Social insight report analyzes a customer's Facebook timeline to get an assessment of their online image and provides recommended actions to improve it using IBM® Watson™



Identity Guard® With Watson™ offers its three membership level subscriptions–Value, Total, and Premier– for both individual and family plans. All three of them come with the product's basic monitoring, alerts, and IBM® Watson™ AI.

  Individual Family
Value  $8.99/month $14.99/month
Total  $19.99/month $29.99/month
Premier $24.99/month $34.99/month

Customer Reviews

Identity Guard®'s parent company, Intersections, Inc, is accredited has an A+ rating with the BBB, which is a testament to the great customer service it provides. Part of its service is providing valuable assistance to victims of identity theft. Identity Guard® assists its customers by shortening the process and helping them recover from identity theft. It also provides access to various educational tools and credit specialists.

Bottom Line

Identity Guard® With Watson™ offers a no-frills, no-nonsense identity theft protection service that has been consistently well reviewed and awarded by tech analysts and professionals. Identity Guard® has also been recognized as a leader in providing great aftermarket service and customer support. If you’re looking for professional identity theft services, Identity Guard® is a name that you can always trust.


*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 may not be the same scores used by lenders to evaluate your credit.


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

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® here

Intersections‚ Identity Guard®‚ kID Sure Monitor‚ Protect and Recover‚ and associated designs are trademarks or federally registered trademarks of Intersections Inc.


Top Rated
Our Partner
9.8 / 10
  • Editor's #1 choice, fantastic customer satisfaction
  • Quarterly credit score* updates
  • $1M identity theft insurance
  • BBB accredited, A+ rating
  • 30-day free trial

Latest Identity Guard® Reviews

Hallandale, Florida

I have been a member of identity guard since 2005, no issues until I wanted to upgrade my plan to total protection, I have to pay $19.99, not $17.99, as listed here. In order to get the lower price, you have to cancel your current membership and sign up again, indentity guard has different prices or different affiliates, I have found the total protection plan as low as $16.99, shop wisely. Once your a member, you cannot get a lower price unless you cancel your current membership and rejoin, keep this in mind, they make it as difficult as possible to lower your price and are happy to cancel your current membership. Many other options today with better pricing, shop wisely. I canceled my... Read More

Barb S
Lancaster, New York

I too went through nextadvisor and read reviews, finally choosing Identity Guard. I am a recent victim of identity theft, and have a freeze on my credit now. I selected the couples plan, and I set up my husband's info. first (thinking he needed some protection before me), and waited for the email link to add my name. Never got the link. Soon 30 day free trial ended, and our credit card was charged. I called to ask how to add my name to the couples plan. Total scam. They told me I clicked on the wrong link, and I would have to start all over and select the couples plan. I am not stupid. I know very well which plan I selected. Representative offered no help whatsoever. She kept on saying... Read More

Margie N
Humble, Texas

I have been paying on this for years. I recently went with my daughter to purchase a car and used my credit to cosign. Took them over 24 hours to send me an email saying my credit was being checked and then they did not tell me who it was or where. We had already walked off the lot with a car and got NOTHING from them. A free service my daughter has texted her within minutes of the report being run. I was livid and they told me that they only send an email once it hits the credit bureau! I want to know immediately, not 2 days later, after someone has used my credit! Think Twice!

San Jose, California

I chose Identity Guard after researching many services. I get account alerts rapidly and getting a three bureau credit report monthly is great. The price is right and I feel comfortable knowing that if my ID gets compromised I have fraud assistance to help. HOWEVER: Their iPhone app is way out of date to the point that I get an alert that it will slow down my phone and needs updating. The last update was in October 2014! The app has minimal features so it's almost useless. As a Mac user it's very frustrating that all of their computer protection is Windows only. I'm paying for their Platinum service which is the "best" so I expect to be able to utilize everything I'm paying for.... Read More

Alan P
Tallahassee, Florida

With so much advertising for one identity theft product I decided to do my own research. That is when I discovered Identity Guard. I am very pleased with the service.

Kelly H
San Clemente, California

I am very happy to get notifications promptly however, I'm not able to give 5 stars because my credit score does not update as regularly as other services and shows as significantly lower and there does show an account in collections still which has been closed and resolved for sometime now. So I feel that some report are outdated.

Mark W
Parker, Colorado

Fortunately, I haven't had to use them to prevent any fraudulent credit activity. But, they always notify (almost) immediately whenever there is a change to my credit or personal information.   I do feel secure with them, but again it's almost like buying insurance... You don't know what/how it will be used or needed until something bad happens. Finally, I LOVE the customer service. Every time I call, the people that answer are friendly and actually seem to like their jobs.  You can almost hear the smile on their face. It is so refreshing to call them and have them answer my (sometimes dumb) questions, with patience, and while treating me like I'm important to them. Thanks... Read More

Richard T
Seaside, Oregon

I have not had an incident requiring assistance at this point so I am unable to formulate an opinion as to the helpfulness of the service. I have purchased several items I wish ID Guard had at least contacted me about to assure that it was me who made them. The service appears to be reactive rather than proactive.

Win G
Flower Mound, Texas

I am disappointed in a couple things. 1.) My Credit rating has not changed since day one. It is 50 points lower then on American Express web site. 2.) I know I had two attempts to open credit cards falsely and was never notified from you. Since I open this when a few cards, license and my Social Security number was stolen, I really was hoping for better. Maybe nothing has happened, but I do not feel very secure. Thanks, Win Goddard

Steve M
Spartanburg, South Carolina

I linked to Identity Guard through Next Advisor. The web ad quoted a monthly fee of $22.99 for the couple package. A 30 day free trial was offered along with a 25% discount. After signing up I noticed the fee charged was $22.99 so I called customer service. The rep said the regular cost was supposed to be $27.99 month and the $22.99 reflected a $5.00 per month discount. Then I did some quick math and came up with $20.99 as the regular price less a 25% discount. He couldn't help me and instead referred me to another customer service. I assumed he was customer service "light" so I placed another call. Same results there too. This is a trivial amount of money, but it concerned me that this... Read More

Linda R
St Louis, Missouri

I read many reviews because I am a victim of identity theft. I chose this company, selected a program and filled out the necessary information, including my social security number. My application was DENIED because Identity Guard and Discover/American Express have a glitch in their connection-which is not my fault. When I called the number for assistance, I was told that my application could not be done over the phone because of the plan I chose. They gave me number for customer service, but the number is for a telemarketing company. After wasting 2 hours reading reviews and attempting to subscribe, I chose a different company. It is frustrating enough to be a victim of identity... Read More

Austin, Texas

I just got a call from my bank indicating there was a questionable charge on my account made in Hong Kong. Identity Guard made no mention of this charge. Either Identity Guard is asleep at the wheel or you are not getting that much protection from these people. I just canceled my subscription.

Raymond, New Hampshire

I had this service for years. I enjoyed the credit scores and updates. I received an email offer for a family plan. I attempted to sign up but it kept saying I was already a member. There was no links on my members page to upgrade. I called the phone number but there was no answer. So I canceled my account to sign up for the family plan. There was no confirmation to what plan I signed up for and no place to add my family members. I searched the site and found that it can take over 24 hours for the additional family member option to pop up. But after 24 hours still nothing. I tried to call again but no answer. So I canceled my new account. I called again and got a real person on the... Read More

Colorado Springs, Colorado

They are no longer taking new customers and they are very sneaky to not let you know that you are being placed in a new anti theft site with significant reduction in security options.

Alpharetta, Georgia

I have had this coverage for over 5 years and have been very happy with the quarterly reports and credit scores from all 3 bureaus. The cost is a bit more than some but less than others like Lifelock and it has more features and better independent ratings.

Charles J
Battle Creek, Michigan

I just applied for Identity Guard from a review of top 10 identity sites page. Upon clicking on their website they have a 30 day free trial and then 17.99 each month after. So I enter my personal information and card information and a pink screen pops up at the top of their site "Unable to process card information as entered Error Code 151". So I check the error code and recommendation was to change browsers so I left explorer and went to chrome and retried only this attempt was no 30 day introductory and the price was 19.99 per month. Again I enter my information and enter and again received the same error message. So I contacted my bank and they confirmed one charge from Identity Guard... Read More