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Our Editor’s Choice. Ceaseless identity theft threat monitoring with IBM Watson. Protection against credit card and bank account fraud.
Identity Guard has worked for over 20 years to protect the identities of more than 47 million consumers. They’ve resolved over 140,000 cases of identity fraud by bringing their identity protection service into the 21st century. Identity Guard is dedicated to staying one step ahead of hackers and data miners to prevent account breaches and keep consumers safe.
After integrating the AI technology of IBM Watson, Identity Guard now offers a multi-layered technique for keeping your personal information protected. Identity Guard with Watson is our Editor’s Choice, as it ceaselessly scans the Internet for the latest identity theft threats and alerts you instantly if you’ve been the victim of any type of account or personal security breach.
Identity Guard with Watson offers multiple ways to protect your identity and prevent your personal information from being stolen. These are some of the best ways that Identity Guard protects you from identity theft threats.
Synthetic ID Theft: One of the biggest threats to your identity is when your personal information is stolen and used to create an entirely new (and false) ID. Cybercriminals use this fake identity to open fraudulent bank accounts or lines of credit. Identity Guard keeps you protected from having to worry about synthetic ID theft from happening and being linked back to you.
Child ID Theft: Not even children are safe from the threat of identity theft. Digital criminals have no problem with using your child’s personal info to rack up tons of debt in their name, no matter how young they are. Hackers love having a “clean slate” to commit fraud in your child’s name. Identity Guard keeps your kids safe by monitoring for (and preventing) child ID theft.
New Account Fraud: Many cybercriminals will use a stolen identity to open new accounts in someone else’s name, so they reap all the rewards and none of the responsibilities. With Identity Guard, you can rest easy knowing there won’t be any unauthorized bank or credit accounts opened under your name.
Credit Card Fraud: One of the most common types of identity theft is when hackers use your personal information to open new credit card accounts. Cybercriminals can then use their new fraudulent credit card to make purchases online or in-store, leaving you with the bill and bad credit. Identity Guard with Watson scans for any credit applications in your name and alerts you to possible credit card fraud threats.
Identity Guard with Watson offers a variety of identity protection pricing plans. To help you decide if it’s the right identity theft prevention service for you, Identity Guard comes with a free 30-day trial, and any of their plans can be canceled at any time.
Identity Guard Value: This entry-level identity protection plan alerts you of any high-risk transactions like account takeovers, as well as any appearances of your personal information on the Dark Web. Identity Guard Value protects individuals for $8.99 a month or an entire family for $14.99 a month.
Identity Guard Total: This identity protection plan includes all the benefits of Identity Guard Value, plus it gives you a monthly credit report and score, as well as alerting you of requests to open any type of bank account with the use of your personal information. Identity Guard Total protects individuals for $19.99 a month or an entire family for $29.99 a month.
Identity Guard Premier: This top-tier identity protection plan includes all the benefits of both Identity Guard Value and Identity Guard Total, as well as a monthly 3-bureau credit report and score, and the added protection of social insight, which ensures your social media accounts haven’t been hacked or your photos haven’t been stolen. Identity Guard Premier protects individuals for $24.99 a month or an entire family for $34.99 a month.
As with all of our editor reviews, we put Identity Guard with Watson through its paces, so you don’t have to waste your own time. Let’s take a look at some of our favorite Identity Guard identity protection service benefits…
AI-Based Breach Monitoring
In previous years, your identity was made up of just your name and social security number. In the 21st century, who you are is comprised of a complex combination of digital information that’s easily accessible to cybercriminals. That’s why Identity Guard’s use of Artificial Intelligence monitoring with IBM Watson is so comforting. You know the Internet is constantly being scanned for identity theft threats targeted against your personal info.
24/7 Threat Alerts
When a threat is found, Identity Guard takes instant action by alerting you immediately. You’ll get identity protection alerts 24 hours a day, 365 days a year via mobile app notifications or by an email sent to the address on file. With these fast alerts, you don’t have to worry about keeping your personal information safe, or about your identity being stolen and monetized. All you have to do is let Identity Guard inform and guide you.
Easy Expert Recovery
Identity Guard understands how scary identity theft can be and that’s why they never let you deal with it alone. If a threat is detected, you’ll not only be alerted, but you’ll also get expert one-on-one guidance from a member of the 24/7 Identity Guard support team. Plus, you can rest easy knowing you’re safely under the umbrella of Identity Guard’s $1 million stolen fund reimbursement insurance coverage.
Online and Mobile Protection
Identity Guard also keeps your identity safe when you’re surfing or shopping online with their anti-phishing mobile app for iOS and Android, as well as their anti-malware browser extension for Safari, Chrome, and Firefox. You can even use Identity Guard to monitor your social media profiles to make sure you’re protected from malicious timeline activity or account hacking.
We were very impressed by the identity protection features provided by Identity Guard, but during our tests, we did discover that they stop short of covering those with pre-existing identity theft issues or providing power of attorney, unlike some of the other available identity protection services.
We also found that Identity Guard doesn’t offer a money-back guarantee, although they do provide a 30-day free trial for identity protection service, as well as the opportunity to easily cancel your Identity Guard membership at any time that you choose.
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