Are you searching for the finest solution for preventing identity theft? Do you want to find out whether Identity Guard is the appropriate fit for your needs?
Individuals, families, and companies may use Identity Guard to protect themselves against identity theft. It has several strong tools to protect your online and financial identity, including data breach alerts, credit monitoring, dark web scanning, and more.
We’ll go through each of the features, cost, and other criteria in our Identity Guard review to see whether it’s the right fit for you and your company.
We’ll be providing a comprehensive evaluation of Identity Guard, so we’ve established a table of sections to help you navigate this article. You are free to jump to the area that most interests you.
What Are the Benefits of Using an Identity Theft Protection Service?
Identity theft affects 15 million people in the United States each year. And the number is steadily growing. As a result, there’s a good possibility it’ll happen to you.
Hackers and criminals may use your personal information to get access to your bank accounts, credit card information, and other sensitive information. They often steal all of your money and, in some situations, conduct significant crimes in your name.
All of this, however, may be avoided if you utilize a trustworthy identity theft protection program. It gives you a collection of tools to keep your financial and personal data from being exploited for criminal purposes.
A reputable identity theft protection service will scan the internet for any unlawful transactions made in your name and inform you. As a result, you have the opportunity to prevent any fraudulent activity before it’s too late.
Identity Guard is a popular identity theft prevention service that we’ll talk about today. Let’s have a look and see what it has to offer.
At a Glance: Identity Guard
Identity Guard is one of the greatest identity theft protection programs available, and it can help you keep your personal information safe online.
What’s nice about this service is that it use IBM Watson artificial intelligence to monitor possible risks and scams continuously. It analyzes the dark web for new threats and unusual activities associated with your account.
It also provides a variety of monitoring services for individuals and families, which are bundled in various price plans. Home title monitoring, social media tracking, criminal and sex crime monitoring, and more services are available.
It also includes secure surfing technologies that allow you to conduct secure online transactions such as shopping and making online payments using your debit or credit card.
Identity Guard provides six different price options that are both inexpensive and versatile. Individuals who wish to secure their personal information online may choose from three different solutions. Three plans, on the other hand, are designed for households with numerous people, including children, who need theft protection. You may also get a plan for your company and workers.
Credit monitoring capabilities are available if you purchase the Ultra or Total subscriptions. This will provide you with notifications and reports on any changes to your credit information. You’ll also get a monthly credit score to help you keep track of your finances.
The greatest thing is that all Identity Guard plans include $1 million in identity theft protection. If your identity is stolen, this will assist you in recovering any financial losses.
This is just a quick rundown of Identity Guard. In our Identity Guard review, we’ll now take a deeper look at all of the features.
Features of Identity Guard
Identity Guard is a comprehensive range of identity theft prevention and credit monitoring tools. You’ll also discover a plethora of other tools and applications to help you keep your personal and social data safe.
Various Identity Guard capabilities are available depending on the package you pick.
Let’s take a closer look at these features to see whether this service is perfect for you.
1. Constant identity surveillance (With IBM Watson)
To begin, Identity Guard employs typical monitoring techniques to determine if any of your personal information has been hacked. It examines any piece of information on the internet 24 hours a day, seven days a week.
To make things even better, Identity Guard enhances the scanning process by combining IBM Watson artificial intelligence with its existing procedures. It’s an artificial intelligence-powered supercomputer that can scan a large number of reports, papers, and records for anything suspect.
2. Scanning the Dark Web
All Identity Guard users have access to a dark web monitoring capability. The dark web is a section of the internet that can only be accessed via specialized software.
The dark web allows users to remain anonymous while engaging in criminal actions including the use of other people’s credit and financial information.
To protect you from all of this, Identity Guard uses Watson AI to search the dark web for sensitive data such as:
- Account number for investments
- Contact information
- Identification number for health insurance
- The individual’s social security number
- The number on your driver’s license
- The number on your passport
- Your home address
It immediately alerts you if it discovers any abuse or harmful behavior involving your personal information.
3. Credit Monitoring
The three-bureau credit monitoring function is one of the reasons to purchase Identity Guard’s higher protection plans. This means you can track your credit changes using data from TransUnion, Experian, and Equifax, the three main credit agencies.
Any new activity in your names, such as loans and new accounts, are checked by Identity Guard with these three credit bureaus. It examines your credit report and alerts you to any modifications done without your authorization.
All of this occurs regularly in real-time, allowing you to spot fraud more quickly and maybe save financial losses.
You can access your credit report from TransUnion, Experian, and Equifax on a single dashboard with Identity Guard. It also provides you with a VantageScore 3.0 credit score based on TransUnion data monthly.
These three main credit bureaus created VantageScore 3.0 to assist landlords and lenders in making judgments. Simply put, this score determines whether a credit application is capable of repaying a loan.
VantageScores vary from 300 to 850, with a higher number indicating better credit. Your payment history, credit balance, credit behavior, and other variables all contribute to your credit score.
4. Financial Monitoring
Identity Guard maintains track of your vital financial accounts and information in addition to credit monitoring. It also provides various monitoring services, including:
- 401(k) and Investment Accounts: You may also add your 401(k) and investment accounts to easily monitor them.
- Bank Account Monitoring: Notifies you when anything changes in your savings or checking accounts, such as your email address, postal address, or other information. When a new account holder is added to your account, you will get warnings concerning bank account takeovers.
- Credit Card and Debit Card Monitoring: Notifies you immediately if your debit or credit card has been used unexpectedly. You may create several accounts and avoid bank or credit card theft by registering them all at the same time.
- High-Risk Transaction Monitoring: Identity Guard detects and alerts you if your account information is used for high-risk transactions. Wire transfers, tax refunds, payday loans, utility bills, and mobile phone applications are just a few examples.
5. Fraud and Threat Alerts
Identity Guard uses IBM Watson artificial intelligence to monitor your accounts, public data, and even the black market for any frauds committed in your name.
As soon as your identity is compromised, you’ll get an alert. This saves you time since you may notify your bank or credit card provider as soon as possible to freeze your account.
It is impossible to entirely avoid identity theft. However, a quick reaction might help you limit the harm.
These warnings may be seen on your Identity Guard dashboard or in your email. You may also select to get alerts on your phone through the mobile app or SMS if you like.
6. Monitoring of Public Records
The unique monitoring capabilities of the Identity Guard set it apart from competing for identity theft programs. It examines public data, in addition to credit and financial monitoring, to identify identity theft for:
- Criminal and Sexual Offense Monitoring: Notifies you immediately if your identity appears on a sex offender registry or in a police report.
- Home Title Monitoring: Checks to see if somebody is attempting to alter the ownership of your home without your permission.
- USPS (United States Postal Service) Address Monitoring: You’ll get notifications if someone attempts to modify your postal address.
7. Risk Management Report
Identity Guard has a risk management report part that provides you with a score based on how successfully you manage your identity theft risk.
The scale runs from 0 to 100, with a higher score indicating greater performance. The score is determined by two factors:
- Avoidance Score: Indicates how your way of living affects your risk of identity theft or fraud. To raise your avoidance score, you must answer threat questions with suitable replies.
- Migration Score: Indicates how your activities are minimizing your risk of identity theft. To raise your migration score, you must address as many danger warnings as feasible.
8. Tool for Safe Browsing
Identity Guard is a secure surfing extension that you may put on your browser to help you with this. It works with all major web browsers, including Safari, Chrome, and Firefox.
This extension allows you to surf the internet securely without putting your personal information at risk. It guards against phishing attempts, ads, flash, trackers, and other dangerous activities.
Is Identity Guard Worth It in the End?
We can safely suggest Identity Guard as one of the top identity theft prevention services after conducting a thorough study. It has several effective monitoring and anti-ID theft capabilities that may assist you to avoid fraud and unlawful transactions in your name.
The $1 million insurance included in all price levels is one of the finest advantages of our theft prevention technology. This means you get more bang for your buck.
Its price is divided into three categories: Value, Ultra, and Total. Individuals and families will find the pricing to be reasonable.
So, you may obtain an individual package or a family plan to set up identity theft monitoring for your whole family.
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