Identity Guard® Review

Company Intro

Identity Guard® is one of the most comprehensive, effective, and trusted identity theft protection services available today.

In 1996, Identity Guard’s founding company, Intersections Inc., was one of the first identity protection companies to focus their business on the protection of consumers.

Fast forward to today and Identity Guard’s relentless pursuit of safety and security has resulted in the protection of over 47 million individuals and businesses.

In recent years, this is largely thanks to the use of the world’s most recognizable artificial intelligence, IBM® Watson™.

Before the proliferation of computers and smartphones, the only forms of identity you had to worry about were your name and social security number.

Now, with credit cards, social media, and a plethora of other forms of identity, the need for a more sophisticated form of identity theft protection is more essential than ever.

By applying IBM Watson and predictive analytics to mine data, evaluate risk, and generate customized guidance for consumers, Identity Guard has created state-of-the-art identity theft protection.

Features / Services (What does it protect against)

In a nutshell, Identity Guard’s mission is as follows:

“To educate and empower every person to take control of their personal information to protect it from fraud, theft or misrepresentation.”

Powered by Watson, Identity Guard accomplishes this mission by employing a number of key features including:

  • credit monitoring
  • dark web monitoring
  • near real-time alerts
  • a proprietary predictive risks assessment
  • online protection

Signing up and using Identity Guard is as simple as following these 5 steps:

  1. Sign up

    Singing is super easy and only takes a few minutes.

  2. Set up your watchlist

    The more you add to your watchlist, the better Identity Guard can protect you.

  3. Manage your risk

    Follow along with Identity Guard’s best practices and stay up-to-date with their informative blog to learn how to best protect yourself.

  4. Get alerts

    With Identity Guard’s mobile app (available for Android and Apple), you get the fastest possible notifications of activity that could indicate credit fraud. Here are some examples of the notifications Identity Guard might send you:

    Activity Alert

    Critical Risk – Financial

    Existing Account Change – Acme Bank South East: On January 8, 2018, Acme Bank South East reported that the following account holder information changed on your consumer checking account: Phone.

    Dark Web

    Critical Risk – Dark Web – Credit Card Number

    We found Your Credit Card Number on the Dark Web: We found the credit card we are watching for you ending in 1111 exposed on the Dark Web. We did not find the CVV with your credit card number.

    Threat Alert

    Low Risk – Home & Travel

    GoCo Discloses Data Breach, Affecting 57 Million Accounts: GoCo disclosed that hackers had stolen 57 million driver and rider accounts and that the company had kept the data breach secret for more than a year after paying a $100,000 ransom. The two hackers stole data about the company’s riders and drivers including phone numbers, email addresses, and names from a third-party.

  5. Restore your identity

    In the unfortunate case that a notification turns out to be real identity theft, Identity Guard helps you recover your identity with the help of expert guidance and a personal case manager – and they reimburse any funds lost due to identity theft up to $1,000,000**.

Price / Plans

There are two categories of plans with Identity Guard: Individual and Family.

Once you’ve chosen which of these two categories apply to you, you then have to choose which plan best fits your needs.

There are three types of plans:

  • Value
  • Total
  • Premier

Value

The pricing for the Value plan is as follows:

Individual: $7.50/month if billed annually, or $8.99 if billed monthly.

Family: $12.50/month if billed annually, or $14.99 monthly.

All features included with the Value plan:

  • IBM Watson Artificial Intelligence
  • $1 million insurance with stolen funds reimbursement**
  • U.S.-based dedicated case manager
  • Risk management score
  • Online identity dashboard
  • Mobile application
  • Personal information on the dark web
  • High-risk transactions
  • Personal threats detected by Watson Artificial Intelligence
  • Anti phishing mobile app
  • Safe browsing extension
  • Your child’s information on the Dark Web (only available only Family plans)
  • Potential cyberbullying on social media (only available on Family plans)

Total

The pricing for the Total plan is as follows:

Individual: $16.67/month if billed annually, or $19.99 if billed monthly.

Family: $25.00/month if billed annually, or $29.99 if billed monthly.

All features included with the Total plan:

  • IBM Watson Artificial Intelligence
  • $1 million insurance with stolen funds reimbursement**
  • U.S.-based dedicated case manager
  • Risk management score
  • Online identity dashboard
  • Mobile application
  • Alerts
  • Personal information on the dark web
  • High-risk transactions
  • Personal threats detected by Watson Artificial Intelligence
  • Monthly credit score*
  • 3-bureau credit changes
  • Bank account takeovers
  • Requests to open checking or savings accounts with your information
  • Anti phishing mobile app
  • Safe browsing extension
  • Your child’s information on the Dark Web (only available only Family plans)
  • Potential cyberbullying on social media (only available on Family plans)

Premier

The pricing for the Premier plan is as follows:

Individual: $20.83/month if billed annually, or $24.99 if billed monthly.

Family: $29.17/month if billed annually, or $34.99 if billed monthly.

All features included with the Premier plan:

  • IBM Watson Artificial Intelligence
  • $1 million insurance with stolen funds reimbursement**
  • U.S.-based dedicated case manager
  • Risk management score
  • Online identity dashboard
  • Mobile application
  • Personal information on the dark web
  • High-risk transactions
  • Personal threats detected by Watson Artificial Intelligence
  • Monthly credit score*
  • 3-bureau credit changes
  • Bank account takeovers
  • Requests to open checking or savings accounts with your information
  • 3-bureau credit report (monitors credit reports across all three major credit bureaus: Experian, TransUnion, and Equifax)
  • Your child’s information on the Dark Web (only available only Family plans)
  • Potential cyberbullying on social media (only available on Family plans)
  • Anti phishing mobile app
  • Safe browsing extension
  • Social insight report (analyze your Facebook timeline to get an assessment of your online image and recommended actions to improve it using IBM Watson)
  • Receive a 20% discount from these prices by clicking on a link from HowStuffWorks.

Customer Service

Identity Guard prides itself on not only being available to its members, but also on its constant protection coverage as made possible with IBM Watson.

With Watson constantly scrubbing and scanning the deep channels of the internet on your behalf and Identity Guard’s mobile app sending you instant updates of any possible alerts, the customer experience is unrivaled.

Plus, Identity Guard makes great effort to keep its members as informed as possible through its constantly-updated articles and in-app content.

If you can’t find an answer to your question through Identity Guard’s app, blog, or FAQ, they also have a dedicated phone number and prompt email support.

Conclusion / Bottom Line

Over the course of 20 years, they have partnered with some of the biggest names in the financial industry, protected more than 47 million customers, and resolved 140 thousand cases of identity fraud.

Above all, they have made protecting consumers’ identities their number one priority.

* 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.