Identity Guard

Identity Guard is a comprehensive identity theft protection tool that uses IBM’s Watson Artificial Intelligence to monitoring billions of data points for risks of identity theft for its customers. The system allows users to choose which types of risks they want to monitor for, receive alerts to any risks, and if there is a breach, it helps customers restore their identity. There’s a great deal to this service. Customers can choose between three distinct plans to find the right level of protection for their needs.

Features

What makes Identity Guard stand out is the extensive number of features and protections it offers. Look at some of the key features it offers consumers.

IBM Watson AI

The company’s biggest differentiating factor is the use of artificial intelligence to monitor billions of data points. IBM’s Watson system is one of the most powerful available and capable of monitoring this type of data on an ongoing basis. It provides the ability to constantly monitoring the system for concerns.

Numerous, Constant Alerts

One of the ways Identity Guard works is by providing instant notification of any breaches or out of the normal activity with the consumer’s identifying details. This includes critical risk alerts for financial data, such as alerting you of a change in your account information on a financial account. It includes dark web risk monitoring, to find out if a credit card number or other personal information is being used on the dark web, where it can be sold to others. It also offers threat alerts for low risks such as data breaches at retailers or other uses.

Recovery Services

If an identity theft risk occurs, the company will alert the user. Then, if there is a need to do so, they work with the consumer to restore the information. Identity Guard assigns a U.S.-based case manager to handle the matter and to restore a person’s credit, identity, or other data. There is a $1 million insurance policy available to help cover any stolen funds for reimbursement.

Risk Management Score

The system provides a numerical score to each person based on how well they manage their identity. This can help to indicate if there is a risk of fraud and, if so, what needs to be done to prevent it or improve it. The score changes over time and gives users the ability to see where their risks are at any given time. With helpful information on how to improve this risk, users have more control over their identity risks.

App and Dashboard

Identity Guard has a helpful online identity dashboard. This is available through the app that is used to manage the account. It provides insight and information about the account and keeps users updated about any risks. The app is available for iOS and Android mobile phones and is free with any of the plans.

Credit Monitoring

Many people use identity protection tools like this as a way to manage their credit risks. Identity Guard offers this option in several ways. First, those who purchase the Value or Total plan will receive a monthly credit score. This is the Vantage 3.0 credit score that is based on data from the TransUnion credit bureau. Both of these plans also receive a 3 credit bureau credit monitoring service. It monitors for any changes to the credit profile. This includes things like public records, credit inquiries, and new accounts. For those who choose the Premier Plan, the service also includes a 3-credit bureau credit report. This is an annual credit report from all three credit bureaus.

Tools for Monitoring

The Identity Guard service also includes several additional tools, depending on the plan selected. All plans come with a safe browsing extension, which is an add-on for Chrome, Safari, and Firefox that helps protect you as you browse the web. It also blocks content and tracking cookies from gathering your personal information. The Premier plan also offers a social insight report, which includes monitoring Facebook for any instances in which someone may be using your personal information. An anti-phishing mobile app is also available to all users. It helps on your mobile phone to protect against phishing scams.

Costs

Identity Guard has three plans, Value, Total, and Premier. Take a closer look at pricing for each and the features available. For those who are seeking advanced security and credit monitoring, the $24.99 per month Premier plan offers comprehensive protection.

PlanPriceKey Features
Value$8.99 per monthIBM Watson Artificial Intelligence
$1 million in stolen funds protection
U.S. based case manager
Risk management score
Online identity dashboard
Mobile app
Total$19.99 per monthIBM Watson Artificial Intelligence
$1 million in stolen funds protection
U.S. based case manager
Risk management score
Online identity dashboard
Mobile app
Monthly credit score
3-bureau credit changes
Bank account changes
Premier$24.99 per monthIBM Watson Artificial Intelligence
$1 million in stolen funds protection
U.S. based case manager
Risk management score
Online identity dashboard
Mobile app
Monthly credit score
3-bureau credit changes
Bank account changes
3-bureau credit report
Social insight report

Summary

With three plan options, Identity Guard is an all-inclusive consumer credit and identity protection tool. Perhaps the most important tool from the company is IBM’s Watson artificial intelligence tool. It provides a significant amount of information to the system, allowing for faster identification of risks when data is exposed. It also works constantly, which means there is less time between reporting instances.

Identity Guard offers a variety of alerts sent as soon as there is a concern. If there is a problem, it has the case managers to assign to the user’s account. This means working with just one person to resolve the problem. If there are lost funds, it can help to reimburse those losses by up to $1 million, providing most people with ample protection for such risks. An easy-to-use app and an overall solid product design makes using Identity Guard simple to do for most. It’s plan options offer affordability, too. Read our full Identity Guard review here to learn more about their identity theft protection offering.