Identity Guard® Review

Identity Guard® not only has experience protecting individuals and businesses, but it also has extensive experience resolving fraud cases — over 140,000 resolved cases and counting. If you’re looking for protection for yourself, family or business, consider Identity Guard® as a viable partner.

Basic Plan
Premium Plan
Mobile App
3.8 / 5.0
SimpleScore Identity Guard 3.8
Basic Plan 4
Premium Plan 4
Perks 4
Customer Support 3
Mobile App 4

Founded in 1996, Virginia-based Identity Guard helped lead the charge as one of the first companies tackling the growing problem of identity theft. A full Identity Guard® review reveals that through the use of innovative technology, the company has helped protect over 47 million identities in its two decades of business. While everyone hopes they never have to deal with identity theft, hope is not a plan. Criminals are always innovating and finding new ways to gain access to your sensitive and private personal and financial information.

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In this article

    Identity Guard® at a glance

    Price Tier*Individual PlanFamily PlansStandout FeatureMonthly Credit Score Alert?
    Value$8.99/month$14.99/monthDark Web monitoring
    Total$19.99/month$29.99/monthNew account alerts
    Premier$24.99/month$34.99/month3-bureau credit reporting

    *Discounts available for annual billing

    What we like about Identity Guard®

    One of the most significant things that stands out about this company is its use of emerging technologies to better protect its customers. The company has a partnership with IBM’s artificial intelligence product, Watson, to get in front of and avoid potential fraud issues. Additionally, the company offers several different affordable plans for individuals, families and businesses, which allows you to choose the right level of coverage for your unique needs. The value plan for individuals is available for as low as $8.99 a month or $7.50 a month when billed annually.

    The company also gives all customers, regardless of the plan they choose, a $0 deductible and $1 million insurance policy in case their identity is ever stolen. It’s hard preemptively to gauge the effect identity theft will have on you or your family, but knowing you have some straightforward financial help to back you up if it ever happens is a big win.

    Things to consider

    While the middle and top tier plans at Identity Guard are robust, its Value plan is a little light on some important features. Specifically, alerts for bank account takeovers and requests to open checking and savings accounts are only included in the Total and Premier plans. The good news, though, is that the Total and Premier plans still clock in at an affordable rate for both individuals and families.

    Credit Monitoring

    One of the main features you get with all Identity Guard® plans is credit monitoring. The company uses technology and dedicated account managers to constantly scan documents, events and accounts that may have an impact on your credit score. Not only does Identity Guard® look in traditional places for credit threats, but it scans the infamous dark web for anything tied to your Social Security number or identity.

    Depending on the account level you choose, you will get different levels of monitoring service. All plans use IBM’s AI to search through billions of pieces of information to identify any potential threats to your credit. Higher-tiered plans will give you credit alerts if anyone tries to take over one of your bank accounts or attempts to open a checking or savings account with your information. When left unchecked, these actions can have drastic effects on your credit score.

    Credit Restoration

    If your identity is compromised and your credit is damaged, Identity Guard has extensive personnel and protocols in place to help restore your credit. As soon as fraud is detected, the company automatically opens a case and assigns a dedicated case manager to help walk you through the restoration process. This includes canceling credit cards, removing fraudulent accounts, filing a police report, and helping you reclaim your credibility with financial institutions.

    Additionally, you’ll have access to a 24/7 U.S.-based customer service center if you have any additional questions not covered by your case manager.

    In case the damage inflicted is costly, Identity Guard® offers all customers with all three plans its $1 million insurance policy. The policy is covered through American International Group, Inc. While you should read the policy yourself for exact particulars, some of the things covered include lost wages, travel expenses, elder/child/spousal care and legal fees (upon prior approval). The policy currently carries a $0 deductible, which means it won’t cost you anything to use in the instance your identity is compromised.

    Identity Protection

    Unfortunately, identity theft continues to grow and evolve as criminals find new and creative ways to get control of your information. While identity theft companies typically focus on helping to catch intrusions, they do also offer help in preventing identity theft altogether.

    Identity Guard® offers several different resources to help you understand your potential exposure and shore up any areas of vulnerability. These resources include an overall risk management score, an online identity dashboard, an anti-phishing mobile app, a safe-browsing extension and dark-web scanning for all levels of accounts for individuals and families.

    Additionally, premier plans offer a social media insight report that analyzes your social media footprint with IBM’s Watson. The program assesses your potential vulnerability to identity theft and offers suggestions to safeguard your information better.



    The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.

    For every review, our editorial team:

    • Identifies five measurable aspects to compare across each brand
    • Determines the rating criteria for each aspect score
    • Averages the five aspect scores to produce a single SimpleScore

    Here’s a breakdown of the five aspect scores and their rating criteria for our review of the best debt management companies of 2020.

    Why do some brands have different SimpleScores on different pages?

    To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

    It’s possible that one brand will have different SimpleScores across our site. For example, when we apply our methodology to Chase’s stock trading product, it scores a 3.6 out of 5. On the other hand, when we compare Chase checking accounts, it scores a 4.4 out of 5.

    Questions about our methodology?

    Email Hayley Armstrong at

    Enrollment fee

    Many debt management companies charge a start-up or an enrollment fee, so we awarded companies that charge lower enrollment fees compared to others.

    Monthly fee

    Over the length of the debt management program, companies may charge a fee to cover the cost of the program. The SimpleScore methodology awards companies that have lower monthly fees.


    Getting out of debt isn’t just about paying a bunch of money. It’s also about credit repair, credit cards, budgeting and more. That’s why we award companies with a slew of resources for customers to learn more about avoiding debt and managing money. Resources included blogs and instructional material about personal finance, bankruptcy, debt and credit repair.

    Customer support

    The journey out of debt isn’t easy, which is why we doled out higher scores to companies with multiple channels of customer support. This means social media, phone calls, email, chat and more.

    BBB rating

    Because debt management companies aren’t studied in J.D. Power’s customer satisfaction ratings, we turned to the Better Business Bureau to discover each company’s customer satisfaction rating.