Comprehensive identity protection services with several unique security features. Provides customers with daily Experian credit reports.
As people spend more time uploading large volumes of valuable data online, their information becomes extremely vulnerable to cybercrime. Over 3.2 million identity theft and fraud reports were recorded in 2019 alone.
Although nobody wants their identity or valuable information to be stolen, it’s virtually impossible to live a normal life today without storing confidential data online. Therefore, it’s now critical to invest in identity protection.
When researching providers, you’ll likely have to consider Experian vs. Identity Guard as two options. We’ve put together the following guide to break down and compare both services, making your choice as easy as possible.
Experian vs. Identity Guard: Comparison
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Similarities
Differences
Experian Features and Services

Identity Theft Protection and Security Features
Experian understands that comprehensive identity protection requires security features in a number of key areas. As well as providing extensive online monitoring (including dark web surveillance), Experian identity theft protection surveys key databases and court records to warn you of potential offenders in your area.
One of the most unique offerings is its file-sharing and social network surveillance. Many other providers neglect to treat social sites as potential problem areas.
Any red flags trigger real-time alerts, allowing you to combat a potential threat as quickly as possible.

Credit Monitoring
As one of the 3 major credit bureaus, Experian credit monitoring is excellent. Customers can avail of daily Experian Credit Reports and FICO scores. Premium members can avail of 3-bureau credit monitoring, reporting, and scoring every quarter.
The Experian CreditLock is a unique feature that allows customers to lock and unlock their Experian credit file with a single tap on their smart device.
Experian credit monitoring is up there with the most comprehensive services on the market.

Recovery
Experian can’t guarantee that theft won’t happen. If it does, customers gain access to a specialized identity theft resolution agent to recover stolen information quickly.
Experian has a maximum identity theft insurance reimbursement of up to $1,000,000.

Plans and Pricing
Experian plans come in two options: Experian IdentityWorks Plus and Experian IdentityWorks Premium. Customers can get a 30-day free trial before signing up for either package.

Experian IdentityWorks Plus
The standard Experian package provides customers with several important features, including Experian CreditLock, dark web surveillance, and 1-bureau credit monitoring.
This package costs $14.99 per month for one adult (and up to 10 children) and $19.99 per month for two adults (and up to 10 children).

Experian IdentityWorks Premium
The more comprehensive option includes several additional benefits, such as 3-bureau credit monitoring, reporting, and scoring, court record, file-sharing, social network monitoring, and more.
The Premium package costs $24.99 per month for one adult (and up to 10 children) and $29.99 per month for two adults (and up to 10 children).

Pros and Cons
PROS
CONS
Identity Guard Features and Services

Identity Theft Protection and Security Features
Identity Guard identity theft protection services are some of the most comprehensive in the industry. Using artificial intelligence, created by IBM, Identity Guard offers several great security features, including dark web scanning, criminal and sex offense monitoring, USPS address change monitoring, and risk management reports, to name just a few.
Identity Guard’s highly regarded AI engine, Watson, accompanies a first-rate alert system to deliver excellent security cover. There are two Identity Guard apps, with one dedicated solely to combating phishing scams on your web browsers.

Credit Monitoring
A priority area for most identity protection customers is Identity Guard credit monitoring. Securing your financial information and bank accounts is one of the most important aspects of a security plan.
Identity Guard monitors all transactions, credit and debit cards, and bank accounts, including 401(k) and investment accounts.
A major benefit of their premium plan is that customers are sent monthly 3-bureau credit score updates. This allows for fraud and suspicious activity to be spotted quickly.

Recovery
If a threat is detected or you become a victim of identity theft, Identity Guard provides recovery assistance through a personal case manager. This representative guides you through every step of the recovery process.
Identity Guard offers up to $1,000,000 in insurance reimbursement if theft occurs.

Pricing and Plans
All Identity Guard plans are available to individuals and families.

Value Plan
The basic identity protection plan provides key security features such as online and dark web scanning, high-risk transaction alerts, and IBM Watson surveillance.
The Identity Guard family plan is $12.50 per month, and the individual plan is $7.50 per month.

Total Plan
The standard identity and credit protection plan is an improved package that includes 3-bureau credit alerts, monthly credit scores, and more extensive financial cover.
This plan is $16.67 per month for individuals, and for families, it costs $25 per month.

Ultra Plan
The premium offering from Identity Guard provides a long list of features. Some key aspects include social insight and 3-bureau credit reports.
The individual price is $25 per month, while the family price costs $33.33 per month.

Pros and Cons
PROS
CONS
Conclusion
When choosing an identity theft protection provider, it’s important to find the right fit for your needs. Both Experian and Identity Guard offer comprehensive monitoring and surveillance of online activities and potential identity fraud. However, through its alert system and IBM AI engine, Identity Guard is in a class of its own in terms of overall coverage.
As one of the leading credit bureaus, Experian provides customers with daily Experian credit reports and FICO scores. Although this is a useful feature, the monthly 3-bureau credit reporting offered by Identity Guard is more effective in spotting potential identity theft or fraud.
For the majority of consumers, their financial assets are the main priority. Identity Guard provides daily surveillance of all financial activities and accounts, including 401(k) and investment accounts. With highly valuable retirement funds and potential life savings stored in such accounts, this is a huge plus for Identity Guard customers.
Although both companies offer packages for families, Identity Guard offers a wider variety of plans. Its 3-tier identity protection options give customers a broad choice, allowing them to choose a plan that fits their budget and needs.
Now that you’ve taken the first steps toward a more secure future for you and your family, it’s critical that you make the right choice of provider. Identity Guard is a clear frontrunner in this scenario. Sign up for an Identity Guard today and plan for a safer tomorrow.
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