PrivacyGuard Total Protection

PrivacyGuard is designed to keep your identity and credit information secure. Every year, consumers have to spend billions of dollars to try and restore their credit and their identity. Active monitoring can help you monitor your credit daily with 24/7 honest credit monitoring.

Three main plans are available:

  • Credit Protection
  • Identity Theft Protection
  • Total Protection

Once you enroll, you begin enjoying member benefits and your credit report will be available within seconds. You’ll be able to request a new credit report every 30 days, and if you want to request an additional report, it will cost additional money.

Each plan comes with a monthly premium (more on that below), but they offer different levels of protection to consumers.

Can You Make Corrections on Your Credit Report with PrivacyGuard?

Privacy Guard is designed to help you monitor your credit history, but they’re not a credit report company. Instead, they will alert you to key issues on your report. Another key benefit is that you’re supplied with printable dispute forms that you can send to a creditor.

You’ll need to do all of the submission work, but you’ll be able to monitor your report through PrivacyGuard to see if the error on the report has been corrected.

PrivacyGuard Credit Protection

Credit Protection costs $19.99 a month and offers you a variety of credit information and tools to help you monitor your credit. When you sign up, you’ll gain access to all three credit bureau reports each month along with 24/7 daily credit monitoring.

While the service will monitor your credit, you’ll only be able to pull reports once per month.

Calculators are available that will provide you with tools, such as:

  • Mortgage calculator
  • Home budget
  • Auto loan

You’ll gain access to the PrivacyGuard app, email and text alerts, secure browser and keyboard, credit score simulator, credit info hotline, ID fraud agent and credit info hotline. All of this information is the ideal choice for anyone that wants to monitor and improve their credit.

Through the credit simulator you’ll be able to make smarter decisions that will impact your credit.

You can decide to cancel an account, but before you do, the simulator will tell you how the lower credit availability will impact your credit score.

While there is no identity theft protection, the team will guide you on what you need to do if your identity is stolen. In most cases, you’ll be asked to go to the next plan we’re going to talk about: Identity Protection.

PrivacyGuard Identity Theft Protection

PrivacyGuard’s identity theft protection program is designed to help protect your identity. It offers:

  • Credit simulator
  • Triple-bureau credit report
  • Daily credit monitoring
  • Credit scores for all three bureau
  • Identity theft resolution

Every day, PrivacyGuard will scan your Experion, TransUnion and Equifax credit files. If any changes are detected, it will send you an alert. It will also let you know if someone makes an inquiry on your credit or if a new account is opened in your name.

Every month, you can view your VantageScore as well as your credit report, so you can keep a close eye on your credit.

If your identity is stolen while you’re still a PrivacyGuard customer, their team will provide you with the support you need to resolve the issues. They will help you contact creditors and fill out the necessary paperwork to accelerate the dispute process.

As a customer, you can also use the toll-free support center and have access to their Credit Information Hotline.

PrivacyGuard’s ID protection service is just $9.99 per month and includes:

  • Dedicated ID fraud resolution agent
  • Stolen or lost wallet protection
  • Text and email alerts
  • $1 million in ID theft insurance
  • Secure browser and keyboard
  • Monthly status via text and email
  • Online fraud assistance
  • Public records reports annually

Here’s what will PrivacyGuard will monitor:

  • Dark and public web
  • Bank accounts
  • Passport
  • Bank accounts
  • Social Security number
  • Public records
  • Phone, email, DOB and name
  • USPS address change
  • Driver’s license
  • ID/Application verification

PrivacyGuard’s identity theft protection program offers complete protection and assistance if your identity is stolen. Alerts help you stay on top of any suspicious activity, and the user-friendly app interface makes it easy to navigate all of the available features.

PrivacyGuard Total Protection

Total Protection is the leading subscription option and combines both the Credit Protection and ID Protection plan into one. The plan offers you the strongest protection for just $24.99 a month.

You’ll gain all of the benefits of the Credit and ID Protection, including but not limited to:

  • Credit report monitoring
  • Email and text result
  • Credit score simulator
  • Financial calculators
  • Public and dark web scanning
  • $1 million in ID theft insurance
  • Credit info hotline
  • So much more

If you want the utmost in security, this is the optimal plan for you. The plan’s in-depth score monitoring and $1 million in identity theft insurance will provide you with peace of mind that if you’re a victim of identity theft, you’ll have the resources to get your life back in order.

Is Privacy Guard Accurate?

Yes, but there does seem to be some issues. Privacy Guard uses the three credit bureaus and their own software to scan the Internet and Dark web – among several others – to identify potential identity theft.

Consumer reviews are the best source of information with identity protection because you’re able to see what others have to say about the accuracy and protection being offered.

Privacy Guard Reviews

Consumers have been using this product for years with great success, but there are blips of complaints that popped up in 2019 that included:

  • Error fixes on the account not working
  • Wrong credit score for one user kept popping up

I’m not sure what happened in these two instances, as most people are very happy with their service. Most of the other complaints have to do with prices rising over the years and one or two people that had their accounts cancelled.

Some account login issues were reported in 2018, but these seem to be corrected.

Aside from this, Privacy Guard seems to work as intended. Customers love the fact that you receive notifications and alerts for changes to their account. The site makes it easy to monitor your credit and keep on top of your identity.

Overall, Privacy Guard is well-rated and works very well. Multiple plans make it an affordable option for consumers that want to monitor their identity and/or credit.

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