PrivacyGuard

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.

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.

ID Theft Generic IMG 5-min

What we like

  • VantageScore provided

  • Triple bureau credit monitoring

  • Selection of tiered protection

What we don’t like

  • Basic plan doesn’t include credit monitoring

  • History of complaints against parent company

  • No family plans

PrivacyGuard Packages

ID Protection

Starting at $9.99/mo

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 $19.99/mo

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 $24.99/mo

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

PrivacyGuard Package Comparison

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 No Yes Yes
24/7 Credit Monitoring No Yes Yes
Monthly Credit Score Tracking No Yes Yes
Score Simulator & FInancial Calculators No Yes Yes
Credit Info Hotline No Yes Yes
ID Fraud Recovery Support Yes Yes Yes
ID Verification Monitoring Yes No Yes
Black Market Surveillance Yes No Yes
SSN Event Tracking Yes No Yes
Online Directory Scan Yes No Yes
Public Record Monitoring & Report Yes No Yes
Online Fraud Assistance Yes No Yes
Lost & Stolen Assistance Yes No Yes
$1 Million ID Theft Insurance Yes No Yes

Frequently Asked Questions About PrivacyGuard

A couple using a laptop

How does PrivacyGuard work?

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.

Does PrivacyGuard offer any kind of guarantee?

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.

How Do PrivacyGuard’s prices compare with its competitors?

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.

Which PrivacyGuard plan offers the best value?

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.

What are the customer complaints against PrivacyGuard’s parent company?

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.


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