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PrivacyGuard provides credit reporting, monitoring, and identity theft protection services, backed by educational tools and resources. Professional recovery services help save valuable time and money if something goes wrong.
Updated Feb 18, 2021

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

Top 3 PrivacyGuard Features

  • Tri-Bureau Credit Monitoring

    Get daily monitoring for your credit report across the top three bureaus: Experian, Equifax, and TransUnion

  • Up to $1 Million in ID Theft Insurance

    If your identity has been stolen, PrivacyGuard will cover your expenses up to $1 million associated with the credit recovery process

  • Social Security Monitoring for Children

    PrivacyGuard will monitor for any fraudulent use of your child’s social security number and notify you in the event of an emergency.

PrivacyGuard Plans

  • ID Protection

    Starting at

    Our Take

    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.

    Package Features

    • ID fraud recovery support
    • ID verification monitoring
    • Lost & Stolen assistance
  • Credit Protection

    Starting at

    Our Take

    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. 

    Package Features

    • Triple-bureau credit reports and scores
    • Credit information hotline
    • ID fraud resolution support
  • Total Protection

    Starting at

    Our Take

    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. 

    Package Features

    • Norton antivirus protection
    • Reduce pre-approved credit offers
    • Online fraud assistance

Compare PrivacyGuard Plans

ID Protection

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Credit Protection

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Total Protection

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Starting price
$9.99/mo. $19.99/mo.$24.99/mo.
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

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Researched by the

Safety Team

The Safety Team is a group of experts that handle provider research, product reviews and recalls to make your home safety and security search as easy as 1-2-3.

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