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Lenders use many different credit scoring systems, and the score you receive with Identity Guard is not the same score used by lenders to evaluate your credit. It is calculated using the information contained in your Equifax credit file.

Total Protection plan: For $24.99/month, customers receive all the features from both the ID Protection plan and the Credit Protection plan.* The score you receive with Identity Guard is provided for educational purposes to help you understand your credit.

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ID Protection plan: For $9.99/month, customers receive dedicated fraud support, identity verification monitoring, black market website surveillance, social security number event tracker, online directory scan, annual public records report, public records monitoring, online fraud assistance, reduced pre-approved credit card offers, lost wallet assistance, and up to $1 million in identity theft insurance.Credit Protection plan: For $19.99/month, customers receive credit reports and scores, 24/7 daily credit monitoring, monthly credit score tracking, credit score simulator, financial calculator, credit information hotline, and dedicated identity fraud resolution support.PrivacyGuard offers three different plans for identity protection and credit monitoring. PrivacyGuard offers a $1 fee for a 14 day trial, and $19.99/month until the service is canceled.It is also unclear whether or not PrivacyGuard services customers with pre-existing identity theft conditions. PrivacyGuard is heavily reliant on credit monitoring regarding the major credit reporting agencies and does not appear to offer a variety of other important identity protection features, including bank account monitoring, identity restoration, and antivirus software. The investigation uncovered several misleading marketing practices and Affinion Group paid out $19 million to affected customers. In 2013, government action was taken against PrivacyGuard's parent company, Affinion Group, regarding allegations that the company misled customers into signing up for discount clubs and membership offers. Some users reported difficult to cancel membership and stated receiving a refund for unsatisfactory service was difficult.

Privacy Guard does not provide identity theft insurance.

The scores received are from CreditXpert Scores, which is not used by lenders.

Users do not receive their FICO Scores or the credit bureau scores.

Three-bureau credit reports: PrivacyGuard provides credit reports from Experian, Equifax, and TransUnion.

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Additional educational resources: PrivacyGuard offers additional resources and tools (such as their Android app).Accredited service: PrivacyGuard is accredited with an A- with the Better Business Bureau.If you are not satisfied with the monthly service, you can cancel at any time.Д®mail: PrivacyGuard Pros To sign up, you need to provide your name, address, date of birth, social security number, and credit card to confirm your identity.

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You can register for a 14 day $1 trial to receive access for all three credit reports, but you are billed after the free trial is over. They offer identity theft protection services and access to fraud recovery specialists who assist you in the case your identity is compromised.

Privacy Guard allows you to access your credit reports from all three major bureaus (Experian, Equifax, and TransUnion), daily monitoring of your credit file, and email alerts when changes are detected in your credit score. Since its founding in 1973, Stamford, Connecticut-based Privacy Guard has offered credit monitoring, credit reports, identity protection, and identity theft services.