A total-life monitoring platform alerts you when any of your information, accounts, or credit is at risk.
An outstanding provider of identity theft features. It offers very low rates for the services you receive.
Our identities, once confined to physical objects like pictures and paper, are now digital. We have access to our finances, information, and credit at the touch of a few buttons. Your credit is synchronized with your identity. Since your identity is digital and tied to your credit, it becomes an attractive target for thieves.
This makes it essential to have someone help you monitor your personal information and credit because it is next to impossible to monitor yourself. If you are considering Identity Guard vs. ProtectMyID, there are important differences between the 2 identity protection providers to assess before choosing.
Identity Guardvs. ProtectMyID: Comparison
WHAT YOU GET
Funds Replacement and Insurance
- 1 Identity Guardvs. ProtectMyID: Comparison
- 2 QUICK FACE-OFF
- 3 Identity Guard Features and Services
- 4 ProtectMyID Features and Services
Identity Guard Features and Services
ID Theft and Cyber-Security
As we continue to advance in technology, our information becomes more accessible to unscrupulous people. Our personal information can be stolen and sold on the dark web, so Identity Guard uses artificial intelligence and machine learning programs to scour the web. You’ll receive alerts if your information is found on any of these sinister websites.
Public records, by nature, are very accessible. In the wrong hands, your identity can be used in criminal proceedings or to alter documents. The title to your home is one of your most valuable assets, so any attempts to change information on it will trigger an alert. Any other court documents that are found with your information trigger an alert as well.
Fund Replacement and Insurance
Identity theft can cost you all of your financial assets. Your bank accounts can be emptied, leaving you with nothing while trying to recover your lost funds. You’ll need lawyers, experts, and legal documents in your recovery efforts. The costs add up, which is why you’re insured for up to $1 million in stolen funds and fees.
Credit, Bank, and Investment Monitoring
Your credit file has, unfortunately, become the ruling document for credit approval from lenders. Banks store all of your financial assets, and investments or retirement funds secure your future. If any of these are tampered with, you could feel the effects for a very long time.
All these accounts and files are monitored for you in Identity Guard identity theft protection. You’ll receive alerts for any activities so that you’ll know as soon as it happens.
Plans and Pricing
The Value plan has two options, individual or family. The individual plan is $7.50 per month, while the Identity Guard family plan costs $12.50 per month. Each plan offers up to $1 million in theft insurance, the risk management report, and cyber-security features.
The Total Plan is Identity Guard’s second-tier plan and can be purchased for $16.67 per month. A family plan can also be purchased for $25 per month, protecting your children and domestic partner or spouse. The Total Plan adds bank account monitoring, a monthly 1-bureau credit score, and Identity Guard credit monitoring of 3 bureaus.
The Ultra plan offers the most coverage for individuals and families. For $25 per month (individual) or $33.33 (family), you’ll receive all of the lower-tier packages’ benefits plus address change monitoring, investment and retirement account monitoring, tracking of court records and documents, and more.
Pros and Cons
ProtectMyID Features and Services
ID Theft and Cyber-Security
ProtectMyID identity theft protection covers a broad swath of activities known to be frequented by thieves. Its artificially intelligent platform scans the dark web and internet for your information and sends you alerts if it is found.
Included in the scans are the social media accounts of your family (if purchased) as well as scanning public court records. If anyone tries to change your address or use your name in criminal proceedings, you’ll be alerted.
Your bank accounts are monitored for changes or access attempts in the top 2 plans. If someone tries to use your information to open new bank accounts, credit cards, or take over your accounts, you’ll be notified.
Fund Replacement and Insurance
Like other providers, ProtectMyID offers insurance to cover expenses and stolen fund replacement. Costs for lawyers, experts, and records can quickly add up during a recovery process, so you get up to $1 million to help you recover from an identity theft.
Credit and Bank Accounts
Your credit file is monitored in real-time for changes. If there are requests for credit in your name, you’ll receive alerts. ProtectMyID gives you access to your credit report in all plans so that you can view your credit history, open and closed accounts, and more.
Your bank accounts can be monitored for changes or withdrawals, which will all trigger alerts.
Pricing and Plans
ProtectMyID Essential is the lowest-tier package. Free to AAA members, it includes monitoring of the dark web and internet, lost wallet help, and ID theft insurance.
If you’re an AAA member, you'll receive everything in the Essential package, in addition to monitoring social media and financial accounts for $10.95 per month. If your information is entered into court records or used for payday lending, you’ll be notified via the ProtectMyID app.
Deluxe lets you use the app to place fraud alerts on your credit file to signal lenders to use extra identity verification measures. In the Deluxe ProtectMyID family plan, you can also add up to 10 children for an additional $3.95 per month.
The Platinum plan costs AAA members $15.95 per month. It includes all the features and benefits of the lower tier plans but adds monitoring of payday lenders, sex-offender records, and credit limit and usage alerts.
Pros and Cons
Both ProtectMyID and Identity Guard have excellent identity protection plans. All of the essential identity monitoring tasks are included. ProtectMyId has some great benefits for AAA members; however, if you’re not a AAA member, there are significant differences that make Identity Guard stand out.
Identity Guard monitors changes in all of your financial accounts, not just your bank account. Investments and retirement funds are the basis for your future financial security, so you need them watched as closely as your credit, checking, and savings.
All providers may not monitor high-risk transactions, but Identity Guard stands out from other competitors here. If you store your information at retailers and merchants, data breaches are happening more and more. Identity Guard’s data breach notification allows you to prepare to deal with a data breach along with identity theft.
Additionally, Identity Guards’s customer support agents and fraud resolution agents are ready to help you challenge an identity breach when it happens so you can restore your accounts.
If you’re looking for an identity theft plan to fit you and your family’s growing needs, look no further than Identity Guard for your security and peace of mind. Your future, and that of your family, depend on your ability to combat identity theft. Identity Guard is a great choice to protect your identity from identity thieves.
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