What Sets PrivacyGuard Apart?
PrivacyGuard, an Affinion Group company, offers monthly subscriptions for comprehensive credit scores, reporting, monitoring and identity theft protection services. Customers have the option of ID Protection, Credit Protection or a Total Protection plan that includes both.
When comparing credit and identity theft monitoring services, many people wonder whether they should do their own self-monitoring or invest in a professional service instead. With PrivacyGuard, there are a number of benefits beyond time and money savings. The major perks include up to $1 million in ID theft insurance coverage, professional recovery services in case of fraudulent activity, an annual public records report and a number of educational tools and calculators to help customers improve credit and manage debt. Privacy Guard gives you a 14-day trial period for $1, so you can determine if the service adds both protection and value.
- VantageScore provided
- Triple bureau credit monitoring
- Selection of tiered protection
- No family plans
- $1 million ID theft insurance available only with highest tiered plan
- Lost wallet protection only available in highest tiered plan
ID ProtectionStarting at$9.99/mo
A good baseline service to prevent fraudulent use of your identity – scanning underground and black market websites for your Social Security number, public records and up to 10 credit/debit cards. This plan also comes with a $1 million ID Theft insurance policy if you fall victim to identity theft.
- ID fraud recovery support
- ID verification monitoring
- Lost & Stolen assistance
Credit ProtectionStarting at$19.99/mo
A step up from ID Protection, this package includes daily credit monitoring to alert you of changes to your credit reports with monthly credit score tracking. Educational features include a credit score simulator to see how your financial behavior might affect your scores, and a calculator to estimate debt payoff and loan consolidation savings.
- Triple-bureau credit reports and scores
- Credit information hotline
- ID fraud resolution support
Total ProtectionStarting at$24.99/mo
The best of both worlds in one package that monitors your credit and helps protect your identity. All the features Privacy Guard offers are included in this package to help you build, maintain and protect your financial life.
- Norton antivirus protection
- Reduce pre-approved credit offers
- Online fraud assistance
Compare PrivacyGuard Plans
ID ProtectionLearn more
Credit ProtectionLearn more
Total ProtectionLearn more
Triple Bureau Credit Reports
24/7 Credit Monitoring
Monthly Credit Score Tracking
Score Simulator & FInancial Calculators
Credit Info Hotline
ID Fraud Recovery Support
ID Verification Monitoring
Black Market Surveillance
SSN Event Tracking
Online Directory Scan
Public Record Monitoring & Report
Online Fraud Assistance
Lost & Stolen Wallet Protection
$1 Million ID Theft Insurance
PrivacyGuard Credit Report Monitoring
In the event your identity is stolen, there’s a high possibility a thief will wreck your credit by opening new accounts, changing your address, and trying a variety of other fraudulent schemes. But with PrivacyGuard’s Credit Protection Plan and Total Protection Plan, your credit score will be monitored on a daily basis across the top three bureaus: Experian, Equifax, and TransUnion. You’ll also get monthly score reporting.
PrivacyGuard Identity Theft Recovery
PrivacyGuard steps you through the recovery process with a team of dedicated professionals. If your identity is compromised, they will help you with contacting your creditors, completing paperwork, and making the credit dispute process as easy as possible. Fraud resolution is available for all three of PrivacyGuard’s plans: Identity Protection, Credit Protection, and Total Protection.
PrivacyGuard Warranties & Guarantees
PrivacyGuard does not offer customers any warranties or guarantees at this time.
Frequently Asked Questions About PrivacyGuard
PrivacyGuard monitors activity across all three credit bureaus and all available public records. Since most incidences of identity theft or fraud occur online, they also use state-of-the-art tools to monitor data breaches, online directories and dark web traffic (underground and black market websites) to discover any evidence of stolen or vulnerable information.
Credit and identity theft monitoring services can’t necessarily prevent criminals from targeting your data, but they can help you respond quickly to mitigate damage as quickly and inexpensively as possible. All PrivacyGuard plans include dedicated professional recovery support in the event you become a victim of fraud. ID Protection and Total Protection subscribers are also covered by ID Theft Insurance for up to $1 million. If your identity is stolen, this insurance will cover eligible expenses associated with resolving the theft and restoring your identity.
PrivacyGuard’s monthly subscription costs are competitive with other credit and identity theft monitoring services. However, due to the way that PrivacyGuard separates its credit monitoring and ID theft monitoring services, you’ll have to look closely to compare the exact services you’re looking for. For example, some of PrivacyGuard’s competitors have entry-level monitoring plans that blend basic credit and ID theft monitoring services. In PrivacyGuard’s case, you’d have to upgrade to the Total Protection plan to get coverage in both areas.
Since the Total Protection plan bundles the credit and ID theft monitoring plans at a discounted price of $24.99 per month, it could be considered PrivacyGuard’s best value plan. On the other hand, if Total Protection includes services you don’t want or need, you may find a better value in either of the lower cost plans.
PrivacyGuard is one of many divisions of its parent company, the Affinion Group (formerly known as Trilegiant Corp.). Several years ago, the parent company settled a $25 million class action lawsuit for posting unsolicited or unauthorized charges for its products (including Privacy Guard) to customers’ credit cards or other accounts. Examples of more recent customer complaints can be seen on the Better Business Bureau website.