Pros / PrivacyGuard can monitor if someone is trying to use your credit fraudulently and alerts you if someone is trying to sell your Social Security or credit card numbers.

Cons / This service does not provide FICO scores.

 Verdict / With this credit-monitoring service, you get daily monitoring and monthly reports regarding your credit reports from the three major credit agencies. If something is wrong, you get an email or text alert so you can take action quickly.

PrivacyGuard makes it easy to compare information from all three credit bureaus by setting the data side by side. Keeping track of your credit and getting a regular credit check through a service such as Privacy Guard offers greater peace of mind than the typical annual credit report that many people seek. It wins our Top Ten Reviews Bronze Award.

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  • Identity Theft Insurance Coverage
  • Monthly Monitoring Subscription
  1. The amount of loss the company can potentially cover in an identity theft situation.
    More is Better
  2. 3  PrivacyGuard
  3. $1000000.0
  4. $1000000.0
  5. Category Average

Credit Score & Reports

This credit-monitoring service makes your credit score and report available with monthly updates. The PrivacyGuard report includes data from Equifax, Experian and TransUnion, which means the information included in it is more thorough than credit-monitoring services that check only one or two different agencies. 

The three-bureau reports also provide you with credit scores calculated with the CreditXpert model.

It is easy to see your account histories; personal information, such as your Social Security number and address; credit inquiries; and more.

PrivacyGuard employs the CreditXpert model to figure credit scores, but you should know there are many credit score models, with each determining a credit score using a different algorithm. Lenders will likely calculate different credit scores than the ones you receive through PrivacyGuard. However, the scores you get from PrivacyGuard give you an approximation of how worthwhile a credit risk you will appear to be according to your lender's calculations.

PrivacyGuard's credit-monitoring service keeps you up to date regarding changes to your Experian, Equifax and TransUnion reports with daily observation. The information from the three bureaus sits side by side, even for the 24-month credit history, so you can easily see if each agency has the same information. The report lists your account numbers, account statuses, balances, how long the accounts have been open, the terms and the highest balance you have ever had for each account.

With this credit-monitoring service, you get access to updated three-bureau reports and CreditXpert credit scores every 30 days.

In terms of tracking, PrivacyGuard will keep tabs on your Experian PLUS credit score so you can see when it changes. Should you find something wrong, this service offers a hotline to help you.

Identity Protection

If you discover inaccurate data regarding your credit, PrivacyGuard can give you information about whom to contact to dispute the claim. PrivacyGuard has printable dispute forms for all three bureaus and toll-free phone assistance for disputing inaccurate notations on your reports. 

This credit report service also provides a unique type of assistance that can help you protect your identity and your credit: it scans the web for your Social Security and credit card numbers to verify that no one is trying to sell them online. PrivacyGuard can search for as many as 10 of your registered credit cards.

In addition to typical credit-monitoring service, PrivacyGuard offers Norton Internet Security Online to help protect your personal data. You can also get up to $1 million in identity theft insurance coverage.

Help & Support

If you encounter any difficulties or have questions, you can consult the educational materials, blog or FAQs section on the PrivacyGuard webpage. You also can check with the company via phone or email. This service does not offer live chat.


PrivacyGuard enables you to monitor all of your credit bureau information. It also watches the internet to make sure no one is trying to sell your Social Security or credit card numbers online. You can also get as much as $1 million in identity theft insurance.

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Specifications and Benchmarks

Credit Score & Reports

Monthly Monitoring Subscription
3 Bureau Report Frequency
Credit Score Model
Scorex PLUS & Credit Xpert
Dispute Assistance
Mobile App

Identity Protection

Identity Theft Insurance Coverage (USD)
Identity Theft Monitoring
Lost Wallet Protection
Text Alerts
Phone Alerts

Help & Support

Online Educational Materials