 | Go Mobile Protection | Real insurance with industry's best coverage. | -- | Hundreds of Billions | $36 |  | Review Visit Site |
|---|---|---|---|---|---|---|---|
 | My Safe Credit | Covers your expenses | All: Triple Bureau Credit Reports, Scores, & Alerts | Hundreds of Billions | $200 |  | Review Visit Site |
 | LifeLock | Guarantee covers their expenses, not your losses. | -- | Hundreds of Billions | $99 | | Review Visit Site |
 | Identity Guard | Guarantee covers their expenses and some of your losses. | Some credit products included | Hundreds of Billions | $180 |  | Review Visit Site |
 | Trusted ID | Guarantee covers their expenses and some of your losses. | -- | Many Millions | $79 |  | Review Visit Site |
 | ID Watchdog | Guarantee covers their expenses, not your losses. | -- | Many Millions | $180 |  | Review Visit Site |
Identity Guard
- Price Per Year:
- $180
- Fraud
Monitors: - Hundreds
of
Billions - Credit Alerts,
Reports & Scores: - Some credit products included
- Million Dollar
Protection: - Guarantee covers their expenses and some of your losses.
| Ratings | |
| Overall Rating | |
| Value I got |  |
| Recover Your Stolen Identity | |
| ID Theft Insurance | |
| Fraud Detection | |
| # Data Sources Monitored | |
| Remove Personal Info From the Web | |
| Credit Score | |
| Credit Alert & Monitor | |
| Credit Report | |
| Mail List Removal | |
Identity Guard includes both identity theft protection and credit protection. They, along with a couple other top-rated products here, scan hundreds of billions of records for identity theft you don’t even know about. In some cases, this can pick up identity theft before it has even occurred!
Identity Guard’s Total Protection plan is well-named. Let’s face it.. what we want from an identity theft protection plan is to be, well, totally protected.
They start you off with the same type of credit monitoring and credit scores like you get from Equifax or FreeCreditReport.com that you’d pay up to 15 bucks a month for. Identity Guard starts you off with credit monitoring.
You get:
- 3-in-1 Credit Reports – 4 times a year
- 3-in-1 Credit Scores – 4 times a year
- Daily monitoring at all 3 credit bureaus – email alerts of any changes
- Daily credit application database scans for fraudulent credit applications including: credit cards, cell phone accounts, mortgages and loans.
- In addition, the service monitors your credit report to ensure no changes have been made to your file without your knowledge. If any information changes at any of the three credit bureaus you are notified within 24 hours.
Identity theft is more than just credit fraud. According to the FTC, 41% of identity theft is related to credit fraud – including credit/debit cards, bank accounts, loans, etc. This means that 59% of identity theft is non-credit related including fraudulent use of medical/health insurance, driver’s license information, tax information, employee ID number, student ID number and financial aid. With that in mind, they have a patented scanning technology that scours the internet’s back alleys and chat rooms. There’s a huge black market identity thieves use to trade, sell and exchange stolen identities.
You get:
- Daily surveillance of the Internet’s financial black markets
- Alerts if your social security number, registered credit cards or bank account numbers are being traded, exchanged or sold.
There are still more places Identity Guard goes to look for your personal information – Public Records. Changes can be normal but they can also indicate identity theft. Because these records are public, they can cause you to be denied credit or employment if you have negative info.
You get:
- Public Records monitoring services looking for changes.
- Access to your personal public info in a conveniently organized single report.
Nothing is 100% guaranteed to be able to stop a determined identity thief. So just in case your identity does get stolen or a thief had your info before you enrolled, you get:
- $1,000,000 Identity Theft Insurance that will cover any legal fees or lost wages you may incur during the recovery process.
- Dedicated Identity Theft Recovery Unit that guides you through the process of recovery
- Unlimited toll-free personal customer service who will assist you in contacting creditors, reporting agencies and law enforcement to help clear your name
- Personal ID Risk Assessment® to analyze your vulnerability
This is where the usual identity theft protection plans stop. But Total Protection still has a lot more to offer.
Ever lost your wallet or had it stolen? A thief doesn’t just have your account numbers, now they have your actual credit cards, driver’s license, health insurance card, social security card and basically everything they need to impersonate you. To minimize the damage, you need to contact all your accounts to notify them and make changes. With Total Protection, just make one call and they’ll help you. Plus they’ll give you access for up to $2,000 emergency cash from your account.
Many of the virus/spyware programs are designed to keep track of every keystroke you make. It doesn’t matter how fast you type – they can easily keep up. The logs they create are then sent to the hackers who are in charge of the bots. Now they have your username and password for all your accounts – including bank and credit card accounts. Identity Guard’s Total Protection includes a solution for you on your home computer and also when you’re especially vulnerable traveling and using wi-fi hotspots.
You get:
- ZoneAlarm® Internet Security Suite with daily updates
- PrivacyProtect® anti-keylogging software to encrypt every keystroke you make. Surf the internet with an added layer of security.
- Mobile Lockbox SM for your cell phone, PDA or PC – gives you secure storage and access to your personal records and financial accounts. Safely access your personal information from anywhere.
Identity Guard offers actual Identity Theft Insurance as opposed to a million dollar warranty or service guarantee. This is somewhat different than what you see with LifeLock or Trusted ID. This is an insurance policy that covers your related expenses to repair any identity theft – it has a $250 deductible.
Overall, Identity Guard’s Total Protection is the most comprehensive identity theft protection plan you’ll find. Besides protecting you at home and on the road, it also lets you monitor your credit.
Identity Guard is owned by Intersections, Inc., a publicly traded corporation that is protecting over 8 million identities. They have been in business since 1996 with a long track record of reliability. They have protected more than thirty million customers and has offices in North America, Europe and Asia. It offers solutions to businesses worldwide, and Identity Guard is just one of many products they have developed in this area.