Our Editor’s Choice. Ceaseless identity theft threat monitoring with IBM® Watson™. Protection against credit card and bank account fraud.
The parent company of Identity Guard, Aura®, has worked for over 20 years to protect the identities of more than 47 million consumers. They’ve resolved over 140,000 cases of identity fraud by bringing their identity protection service into the 21st century. Identity Guard is dedicated to staying one step ahead of hackers and data miners to help prevent account breaches and keep consumers safe.
After integrating the AI technology of IBM® Watson™, Identity Guard now offers a multi-layered technique for helping to keep your personal information protected. Identity Guard is our Editor’s Choice, as it ceaselessly scans the Internet for the latest identity theft threats and alerts you promptly if it detects any unusual or suspicious activity.
Identity Guard offers multiple ways to help protect your personal information from being stolen. These are some of the best ways that Identity Guard protects you from identity theft threats.
Synthetic ID Theft: One of the biggest threats to your identity is when your personal information is stolen and used to create an entirely new (and false) ID. Cybercriminals use this fake identity to open fraudulent bank accounts or lines of credit. Identity Guard monitors your accounts and alerts you when new bank accounts or lines of credit are open in your name.
Child ID Theft: Not even children are safe from the threat of identity theft. Digital criminals have no problem with using your child’s personal info to rack up tons of debt in their name, no matter how young they are. Hackers love having a “clean slate” to commit fraud in your child’s name. Identity Guard keeps your kids safe by monitoring for child ID theft.
New Account Fraud: Many cybercriminals will use a stolen identity to open new accounts in someone else’s name, so they reap all the rewards and none of the responsibilities. With Identity Guard, you will be alerted to any bank or credit accounts opened under your name.
Credit Card Fraud: One of the most common types of identity theft is when hackers use your personal information to open new credit card accounts. Cybercriminals can then use their new fraudulent credit card to make purchases online or in-store, leaving you with the bill and bad credit. Identity Guard scans for any credit applications in your name and alerts you to possible credit card fraud threats.
Identity Guard offers a variety of identity protection pricing plans and any of their plans can be canceled at any time.
Identity Guard Value: This entry-level identity protection plan alerts you of high-risk transactions like account takeovers, as well as any detection of your personal information on the Dark Web. Identity Guard Value protects individuals for as low as $6.67 a month or an entire family for $10.00 a month when you sign up using our link.
Identity Guard Total: This identity protection plan includes all the benefits of Identity Guard Value, plus it gives you a monthly credit score*, as well as alerting you of requests to open any type of bank account with the use of your personal information. Identity Guard Total protects individuals for as low as $13.33 a month or an entire family for $20.00 a month.
Identity Guard Premier: This top-tier identity protection plan includes all the benefits of both Identity Guard Value and Identity Guard Total, as well as an annual 3-bureau credit report, and the added protection of social insight, which provides an evaluation of your Facewbook profile. Identity Guard Premier protects individuals for as low as $16.67 a month or an entire family for $23.33 a month.
As with all of our editor reviews, we put Identity Guard through its paces, so you don’t have to waste your own time. Let’s take a look at some of our favorite Identity Guard identity protection service benefits…
AI-Based Breach Monitoring
In previous years, your identity was made up of just your name and social security number. In the 21st century, who you are is comprised of a complex combination of digital information that’s easily accessible to cybercriminals. That’s why Identity Guard’s use of Artificial Intelligence monitoring with IBM® Watson™ is so comforting. You know the Internet is constantly being scanned for identity theft threats targeted against your personal info.
24/7 Threat Alerts
When a threat is found, Identity Guard takes instant action by alerting you immediately. You’ll get identity protection alerts 24 hours a day, 365 days a year via mobile app notifications or by an email sent to the address on file.
Easy Expert Recovery
Identity Guard understands how scary identity theft can be and that’s why they never let you deal with it alone. If a threat is detected, you’ll not only be alerted, but you’ll also get expert one-on-one guidance from a member of the Identity Guard support team. Plus, you’ll be under the umbrella of Identity Guard’s $1 million stolen fund reimbursement insurance coverage**.
Online and Mobile Protection
Identity Guard also helps to keep your identity safe when you’re surfing or shopping online with their anti-phishing mobile app for iOS and Android, as well as their anti-malware browser extension for Safari, Chrome, and Firefox. You can even use Identity Guard to monitor your social media profiles to help keep you protected from malicious timeline activity or account hacking.
We were very impressed by the identity protection features provided by Identity Guard, but during our tests, we did discover that they stop short of covering those with pre-existing identity theft issues or providing power of attorney, unlike some of the other available identity protection services.
We also found that Identity Guard doesn’t offer a money-back guarantee, although they do provide the opportunity to easily cancel your Identity Guard membership at any time that you choose.
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