While some might think that’s overkill, the fact of the matter is the three credit bureaus determine scores based on disparate data sets using slightly different algorithms. We always recommend choosing a service or plan that offers triple-bureau monitoring. A sharp, unexpected decline in your credit score can be a red flag that someone has taken out a loan or opened a new line of credit in your name and skipped out on the bill.
#Identity guard vs privacy guard pro
Pro Tip: Monitoring your credit score is a good indication of whether or not your identity has been compromised. Credit monitoring will either be single-bureau, meaning the plan only monitors the report from one bureau, or triple-bureau, meaning you’ll have all three bureaus monitored simultaneously. You probably know them as Experian, TransUnion, and Equifax. There are three main credit reporting agencies, also called bureaus, that keep track of your credit score. Keep in mind that any identity protection plan that doesn’t offer both probably isn’t worth your time, but all identity theft protection services that offer these core functions do so in various ways.įirst, let’s talk about credit monitoring. We consider core features to be twofold: credit monitoring and identity protection. There are tons of identity theft protection services on the market, and for the most part, they all offer core features with some unique bonuses, depending on which one you go with. Core Features to Look for When Comparing ID Theft Protection Now let’s have a look at the most important features you’ll want to look for in any identity theft protection plan.
#Identity guard vs privacy guard trial
Don’t forget to cancel before the trial period ends, otherwise you’ll continue to get charged. Just be careful to stay on top of it, though. Once you find a service you like, it should be pretty easy to find the plan that’s right for you at a dollar figure that makes sense for your budget.Īlso worth pointing out, there are a few services on the market - like we saw in our hands-on review of Experian IdentityWorks - that let you “try it before you buy it.” The trial periods we’ve seen usually run between 7 to 30 days, and are really helpful in determining if a particular service is right for you. Basic plans are obviously less expensive and will offer fewer features while premium plans will cost more while doing more. In our experience, we’ve found that most services on the market offer different tiers of protection. With that said, just because something is expensive doesn’t always mean it’s better - what’s really important is finding identity theft coverage with the features you want while not paying for superfluous functionality. Bare-bones services like we saw when we reviewed Zander will run around $7 per month, while fully decked-out products like we found in our NortonLifeLock review can run up to around $30 monthly. One of the most important factors when selecting an identity theft protection plan is the cost, but true to the saying - you get what you pay for. Pricing Breakdown: What Will Identity Protection Cost?
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