IDENTITY GUARD® 30-Day Free Trial Review

When it comes to protecting your identity, there’s one company that’s the best at it.  IDENTITY GUARD® offers a 30-day free trial on their EXTRA CAUTION® credit score and ID theft protection services which provide users a credit report and score from all three major credit bureaus while protecting your wallet at the same time.

Signing up for the IDENTITY GUARD® 30-day free trial is simple and only requires the usual personal information like name, contact info and social security number (in order to pull your credit report).  Once you’ve completed the basics, you’ll be asked a series of questions that confirm your identity.  Get any of these questions wrong and you’ll be asked a few more.  Get those wrong and IDENTITY GUARD® will be unable to help.

Once you’ve confirmed you are who you say you are, you’ll be able to login and see just what IDENTITY GUARD® has to offer.  The landing page looks a little something like what you see below:

As you can see, there are four main sections of the IDENTITY GUARD® EXTRA CAUTION® 30-day free trial service.  Not all sections are available during the free trial but let’s break down everything you have access to.

Credit Protection

One of the best aspects of the IDENTITY GUARD® 30-day free trial service is the access to all three credit scores and credit reports.  It’s important to note that these credit scores are not official FICO scores, however you can still gauge the value they hold.  Because different credit agencies have different information about your credit, you’re like to see a decent sized range between your scores.

Each of the three credit scores is accompanied by a credit report.  In order to access your credit report, simply click on the “details” link located below your credit score.  When reviewing your credit report, it’s crucial that all of the information listed is 100% accurate.  If you find something that isn’t, you need to contact that creditor immediately and straighten things out.  IDENTITY GUARD® will provide you contact information for every creditor listed on your report, which can save you a lot of time.

Internet Protection

Getting into the identity theft protection area of the 30-day free trial, IDENTITY GUARD® will monitor your address, social security number, credit cards and bank accounts.  The address and social security number are set up with default protection and if you want to monitor your credit cards and bank accounts, you’ll need to enter them manually.  Any time there is a change to any of these accounts, or to your credit report (something like a change of address), you are immediately notified.

Computer Protection

Unfortunately, the 30-day free trial does not extend to computer protection, however if you decide to continue your service after the trial period has expired, you will be given access to the computer protection interface. This service protects your online finances from identity theft and fraud schemes such as phishing, pharming and keystroke logging. It also securely encrypts and stores user-names, passwords and credit card information where criminals can not access them and conveniently signs you into your favorite accounts automatically, so keystroke loggers can not capture your sign-in information as you type it.

On The Go Protection

Finally, the last amount of protection you’ll receive from IDENTITY GUARD® comes from their On-The-Go interface, which allows you to shut down all of your credit accounts with just one click. If you have done your due diligence and entered your credit card and bank account information and you’re wallet is lost or stolen, one phone call or click can freeze everything.

The cost for continuing the IDENTITY GUARD® service beyond the 30-day free trial is $14.95 a month. When you compare that cost to other identity theft protection services, it’s very reasonable. Considering you receive four different kinds of credit score and identity theft protection, with a constant range of credit scores at your disposal, the IDENTITY GUARD® EXTRA CAUTION® 30-day free trial service is definitely a must have. Just make sure to cancel your service within the free trial period if you’re not satisfied with what they have to offer.

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Miranda is a freelance journalist. She specializes in financial topics, including credit, investing, small business, and family finance. Her financial blog is Planting Money Seeds. Miranda also blogs on living the freelance life at Confessions of a Professional Blogger.

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