IDENTITY GUARD® Review
March 23, 2017
IDENTITY GUARD TOTAL PROTECTION℠ is the best credit monitoring service and an outstanding credit protection company. They do a great job identifying if your information is being sold illegally over the Internet or changed fraudulently in databases. There are three products included in the IDENTITY GUARD TOTAL PROTECTION service: credit account protection, Web monitoring and security software.
IDENTITY GUARD’s credit account protection is more than comprehensive. Instead of simply placing a fraud alerts on your credit file, IDENTITY GUARD tries to stop unauthorized use of your personal information before it occurs. This service includes a search for applications of credit in your name, such as credit cards or loans, as well as a search for applications for other accounts, like cell phone registrations. This application search takes place every business day. In addition, the service monitors your credit report to notify you of certain changes to your file.
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If changes are made to one or more of your credit accounts at any of the three credit bureaus, IDENTITY GUARD will send you an email within 24 hours of the change so that you can quickly block and/or close the accounts and report the matter to the authorities. In our opinion daily three bureau credit monitoring is a must have for any monitoring service. By utilizing MOBILE LOCKBOX® (see below), you can choose to be alerted of any changes via text message. There is also a simulator for those looking to improve their credit score that allows them to see how different scenarios affect their credit score.
With its Web monitoring service, IDENTITY GUARD will scour the Internet far and wide to see if your information is being released or shared by identity thieves. This is possible because the service scans the online markets and channels used most often for the illegal trading and distribution of personal information.
The company will also check public records databases for inaccurate information regarding your accounts, which may occur because a thief has compromised your information or may simply be errors, but either way, you can correct them in a timely fashion. In other words, you will be alerted to changes to your sensitive information to help you stop identity thieves before they start opening accounts.
IDENTITY GUARD’s security software is known as ZoneAlarm. It was created to target identity thieves who try to install software on your computer through websites or emails or who con you into sending them your personal information through spoofed web pages. It has the capability to block viruses, spyware and fraudulent emails to protect you from phishing attacks, hackers and malicious spam. The software is updated regularly as new viruses and phishing attacks are created. ZoneAlarm is just as effective as McAfee and Norton internet security suites so you are in effect saving $50 per year by not having to purchase those products and it doesn’t hog all your system resources like Norton does. In other words your computer will run faster.
In addition to the above services, IDENTITY GUARD TOTAL PROTECTION offers two more services to give you more convenience and peace of mind: PRIVACYPROTECT® and MOBILE LOCKBOX.
PRIVACYPROTECT is another Web security product that can protect your personal information. Some of the more high-tech identity thieves can steal your personal information by remotely installing software on your machine that records your keystrokes as you type in personal information. You may already have this spyware on your machine without even knowing it. Once your machine is protected with PRIVACYPROTECT software, your keystrokes will be encrypted. So even if he is recording your keystrokes, all the spy will see – and be able to copy – is gobbledygook.
MOBILE LOCKBOX is a program that can help you safely store user names and passwords. Since the most secure passwords and user names can be complicated and difficult to remember, this service gives you a trusted place to keep them without writing them down while still allowing you to access them at your fingertips. All you need is a cell phone, PDA or computer to “lock up” your account numbers, passwords, files, records and other sensitive information. Plus, with all of this information in one place, it’s easy to cancel all of your accounts if you find that they have been compromised or if your wallet or purse is lost or stolen. Just give IDENTITY GUARD a call and it is taken care of all at one time.
IDENTITY GUARD’s Identity Theft Assistance Center will assist you through the entire process of recovery if you are ever victimized by this horrible crime.
Identity theft insurance* is also provided with coverage of $1,000,000 with no deductible for unauthorized fund loss, legal defense, lost wages and costs or expenses you may incur to recover your identity and restore your accounts. Some restrictions ($1000/week up to 4 weeks for lost wages for example) do apply so please see IdentityGuard.com for further details about their ID Theft Insurance.
They do promise to reimburse you for any financial loss as a result of identity theft with their simple no-nonsense disclaimer: “On the slim chance that your money is stolen by identity thieves while you are a customer, you will be reimbursed the difference between your actual loss and the amount reimbursed to you by your financial institution, up to $1 million. The major stipulations are that you: report your loss to us within 90 days; you let us help you recover your losses, you apply for reimbursement from your financial institution.”*
With its credit monitoring and comprehensive online protection, IDENTITY GUARD is the perfect weapon against 21st century thieves. With over 10 million identity theft victims per year, they are a great partner to have on your side. It’s much better to be protected than to end up in those statistics.
IDENTITY GUARD is offering their TOTAL PROTECTION service for $16.99 a month (regularly $19.99) with a 30-day no-obligation trial period. Price is locked in for subsequent years so long as you don’t cancel. Just click the link below this sentence to receive this discount and get the peace of mind you deserve.
Intersections, IDENTITY GUARD, TOTAL PROTECTION, PRIVACYPROTECT , MOBILE LOCKBOX and ID RISK ASSESSMENT®
are federally registered trademarks of Intersections Inc.
*Reimbursement will be provided by insurance carrier. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions and is subject to actual policy language.