Keeping your identity clear and secure is priceless. Your good name is what helps you qualify for loans, pass background checks and get the job you want. With something that valuable, you can t afford to leave it vulnerable to identity thieves.
Identity Guard Total Protection is an affordable way to safeguard your identity. If you ve already read up on identity protection, you may have come across some Identity Guard complaints by reviewers or users. To make the right decision for ID protection, it's helpful to understand the most common complaints about the service and determine whether there s any truth to them.
Absence of Credit Monitoring Services
On review sites, you may have seen customers claim that some of Identity Guard's ID theft protection services don't offer a credit monitoring service. Credit monitoring involves tracking your credit reports in order to alert you of any suspicious activity right away. The complaint has some truth to it in that lower-level Identity Guard packages, like the $9.99 option, don't include credit monitoring.
When you purchase a package that costs just $8.00 more, however, you get several additional services, including constant credit monitoring. If you don't want to pay more, remember that you can monitor your credit on your own because you'll have access to all your credit reports and credit score.
Doesn't Set Fraud Alerts With Credit Bureaus
Identity Guard doesn't automatically set fraud alerts with the three credit bureaus upon detecting suspicious activity. This is due to a U.S. District Court ruling that prohibits identity theft protection services from doing so. Identity Guard will, however, notify you as soon as the service suspects fraud. You receive these alerts instantaneously through your preferred method of contact: email, text, phone or the Identity Guard Mobile App. If you believe fraud has occurred, Identity Guard provides you with a fraud specialist to guide you through the process of securing your identity. At any point, you can also set a fraud alert with the credit bureaus on your own at no charge.
A fraud alert makes it more difficult for an identity thief to open additional accounts in your name. An alert on your credit report requires businesses to verify your identity before issuing any credit, which means they contact you directly. Remember that setting a fraud alert with the credit bureaus doesn't just prevent thieves from using your identity. It can make it more difficult for you to access your own credit as well. Additionally, once you set a fraud alert, you won t be able to lift it for at least 90 days.
Doesn't Remove Your Name From Mailing Lists
Identity Guard does not remove your name from mailing lists to stop unsolicited mail. However, you can remove your name on your own at no cost. In fact, the FTC has a resource page that illustrates how to opt out of all unsolicited communication from businesses, including phone calls, direct mail and email. You have your choice of opting out of unsolicited mail for five years or permanently.
We contacted Identity Guard about the complaints in this article, and the company confirmed that our information is accurate. However, the complaints about Identity Guard's services are relatively insignificant. Every identity theft prevention service has drawbacks; you just need to find a service that fits your needs.