IdentityForce vs Identity Guard: Protecting and Securing Your Identity

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by Keith Morris

Topic:  ID Theft

> 1 min read

It is an excellent choice for someone concerned with the essentials of identity protection and who operates on a budget.

  • Protect the identities of your entire family with automated notifications and essential monitoring
  • Insurance of up $1 million provides coverage for all of the expenses arising from identity theft.
  • Monitor credit and accounts with a convenient app

Offers the most identity protection and monitoring of the 2 providers. Your entire identity, and your family’s, are protected and secured. 

  • Select from 3 plans and build the most comprehensive coverage for you and your family
  • Monitor all of your financial accounts and investments to deter identity theft
  • Receive alerts for suspicious activity on your 3-bureau credit file

Home Security Heroes recommends Identity Guard Identity Theft Protection Service because of its comprehensive coverage and reliable service support. All plans have $1 million insurance and a US-based customer care team.  Its basic plan offers top features while its Ultra Plan gives one of the most complete packages in the market. 

Many of us have either experienced identity theft or know someone that has been a victim. It is not a pleasant experience, especially if you’re going through it by yourself. Identity protection specialists have created services that make it easier to deal with and recover from an identity theft.

If you’re looking into purchasing identity protection services for you or your family, it helps to be informed so that you can find a provider that offers the right plan for you. Between IdentityForce vs. IdentityGuard, you can explore the services that make each one unique and find the one that best suits your needs.

IdentityForce vs. Identity Guard: Comparison

WHAT YOU GET

IdentityForce

Identity Guard

Pricing

Coverage

  • All adults and children


  • All adults and children

Insurance

  • Up to $1 million in stolen funds, lawyer and expert fees, and documents


  • Total and Ultra plans only.
  • Up to $1 million for stolen fund replacement, lawyer and expert fees, and documents

Identity Theft Protection

  • Dark web monitoring and analysis
  • Court records scanning
  • Payday loan scanning
  • Sex offender registries scanned.
  • Virtual Private Network
  • Social media scanning
  • Data breach alerts
  • High-risk transaction monitoring
  • Social media accounts monitored for you
  • Data breach alerts
  • Your Social Security number is monitored
  • Bank and investment accounts can be monitored
  • The dark web and regular web are scoured for your information on court documents, sex offender records, home title, and address changes

Identity Restoration

  • Experts do the work of recovering your identity for you
  • Identity theft specialists guide you through the process
  • White glove recovery does most of the work for you

Credit Monitoring

  • Credit is only monitored on the highest-tier plan
  • Value plan - no credit monitoring
  • Total plan - 3-bureau monitoring and 1-bureau monthly credit score
  • Ultra plan - adds a 3-bureau annual credit report

QUICK FACE-OFF

Similarities

  • You can receive insurance for up to $1 million for lawyer and expert fees and other expenses related to the theft. The amount also covers any funds that are stolen.
  • If your information is acquired in a corporate data breach, you’ll receive alerts sooner than when waiting for the corporation’s notice.
    Technology is used to scan the dark web for your information and alert you if it is found.
  • Court records are scanned for your information. The scans include crimes committed, sex offender registries, and address changes. The Postal Service is also scanned for address changes.
  • Social media identity and accounts are scanned in higher-tier plans. Any changes trigger alerts.
  • The mobile application provides quick access to your accounts, credit, and support so that you can act as quickly as possible.
    Your bank accounts can be monitored for activity in addition to the bank’s monitoring processes.
  • Investment accounts can be monitored for activities such as unauthorized buying, selling, or withdrawals.
  • Customer care team/identity recovery specialists work to guide you through the recovery process or do all of the work for you, depending on the plan you select
  • You can protect your children’s credit and identities with both providers.

Differences

  • IdentityForce is less expensive, and you receive some extra services for the price.
  • Identity Guard has 3 plans to choose from that give you more options for your family’s protection. Each plan can be purchased for a family or individual.
  • IdentityForce has identity recovery teams that do all of the work for you in both of its plans, while IdentityShield only offers to do the work in its highest-tier plan.
  • IdentityForce’s plans offer credit monitoring in only 1 plan but include all 3 credit bureaus.
  • Identity Guard monitors all 3 bureaus in its top 2 plans.
  • ChildWatch from IdentityForce is free for all children.
    IdentityGuard doesn’t have a credit simulator to predict how specific financial actions will affect your credit.
  • IdentityForce has a financial calculator that can help you decide which loans or financing option would be best for you.
  • IdentityForce app informs you of the top 3 latest identity theft methods globally.
  • Identity force gives you instant credit reports at no extra charge, while IdentityGuard does not.
  • If a sex offender moves near you, IdentityForce sends you an alert with a physical description and their address.
  • IdentityGuard analyzes your identity theft risk and gives you recommendations for improving it.

IdentityForce Features and Services

Coverage

You can use either of the plans to cover your family by selecting the IdentityForce family plan option on its page. Add your children for no extra charge with the ChildWatch feature that covers their Social Security number and gives them the same insurance as the adult plans. They also receive fully managed identity restoration.

Insurance

Each plan from IdentityForce features $1 million in insurance coverage. The coverage reimburses you for stolen funds and covers lawyer and expert fees or stolen funds.

Identity Theft Protection and Credit Monitoring

Protection is offered in the form of monitoring your credit, bank accounts, social media, court documents, and scanning the web for your information. Everyone has a medical identification number, so IdentityForce scans your medical number on the web to ensure no one is using it for medical care or receiving your benefits.

Your credit file with all 3 bureaus is monitored in the UltraSecure+Credit plan. Your file is scanned daily for changes or inquiries, you receive scores from VantageScore 3.0 (from Experian), and have online access to your credit report.

Identity Restoration

If you become a victim of identity theft, IdentityForce provides experts that will complete the paperwork, phone calls, and any other task you don’t have to do yourself explicitly. When experts do it for you, your identity is restored much quicker, and you can get back to your life. 

Plans and Pricing

UltraSecure

UltraSecure is the lowest-tier plan that covers the essential identity theft protection tasks. You receive all of the features mentioned previously for $8.99 per month or $89.90 annually.

UltraSecure Family

The UltraSecure Family plan adds your spouse or domestic partner to the protection plan. If you have children or are beginning a family, you’re able to add them all to your plan with ChildWatch, IdentityForce’s child identity protection service. The family plan runs $24.90 per month or $249 annually.

UltraSecure+Credit

UltraSecure+Credit is the addition of credit monitoring services to your plan. An individual account costs $19.99 per month or $199.90 annually.

4

Ultrasecure+Credit Family

If you have a domestic partner or spouse and add them to the plan, it costs $35.90 per month or $359 per year. The ChildWatch plan can also be added for free to cover any children you have or might have.

Pros and Cons

PROS

  • Children under 18 receive free identity protection.
  • Discounted pricing for family members.
  • Both plans give up to $1 million in theft identity insurance coverage.
  • Investments can be monitored, increasing the protection of your future.
  • The device security suite secures your information across all of your devices.
  • Mobile IdentityForce app scans for rogue apps, spoof networks, and unsecured Wi-Fi connections.
  • All plans receive the same amount of help in restoring your identity.
  • Financial and investment accounts are monitored in both plans.
  • The credit score simulator tells you the effects specific actions will have on your credit score.
  • Easily opt-out of emails that are unsolicited through the app dashboard.

CONS

  • The lack of more than 2 plans limits your options.
  • Plans are designed around IdentityForce credit monitoring rather than complete identity protection.
  • The app is not as stable on iOS as it is on Android phones.
  • Front page of the dashboard is very long and takes time to get used to.
  • No peer-to-peer lending scanning is available.
  • No professional analysis of your identity theft risk, leaving you to try to figure it out.
  • No social media report for insights on your risk of social media account takeover.
  • Your home title is not monitored in case someone tries to steal the deed to your home.
  • Consumers can do many of the monitoring tasks.

Identity Guard Features and Services

Coverage

IdentityGuard’s plans cover 2 adults and all the children in your family. Everyone’s social media accounts are monitored, as well as their Social Security numbers and any accounts you may have set up for them.

Insurance

IdentityGuard covers all identity theft costs, including stolen fund replacements, lawyer and expert fees, and document replacement up to $1 million. The fees have to be related to identity theft, and the amount is per year, not per occurrence. 

Identity Theft Protection and Credit Monitoring

You and your family’s identities are protected by employing scanning technology designed to look for personal information in specific places. Your credit card and bank account numbers, Social Security numbers, and any other information associated with your identity trigger alerts if they are found.

Your credit file is monitored at all 3 credit bureaus with the two top plans, and you receive monthly credit scores so you can stay up-to-date with your credit. If anyone tries to initiate a credit check in your name, you’ll receive alerts so that you can deal with it.

Identity Restoration

The Ultra plan provides the best identity restoration service with the white glove concierge restoration, where much of the work restoring your identity is done for you. The lower-tier plans provide restoration assistance with experts guiding you through the process.

Pricing and Plans

Value

The Value plan provides $1 million in identity theft insurance, a risk management report, and data breach notifications. You’ll also receive dark web monitoring and a safe browsing tool. Monthly pricing for an individual is $8.99 ($7.50 per month for an annual plan), and for a family is $14.99 ($12.50 per month billed annually).

Total

The Total plan adds bank accounts and IdentityGuard credit monitoring for $29.99 per month or $25 per month billed annually for a family. The monthly price is $19.99 or $16.67 per month (billed annually) for an individual.

Ultra

The Ultra plan offers the most features for financial account and credit monitoring. Added are investment monitoring, criminal and sex offender monitoring, and address and home title monitoring. An individual’s cost is $25 per month (billed annually) or $29.99 per month (billed monthly). This IdentityGuard family plan costs $33.33 per month, or $39.99 per month (billed annually).

Pros and Cons

PROS

  • Three plans let you choose an option that is right for your needs.
  • No limit to the number of children you can have on your plan.
  • App dashboard is quickly learned and easy to use.
  • More comprehensive credit monitoring and alerting than competitors.
  • Investment monitoring alerts you if there are any attempts to steal your accounts.
  • Receive notices that sex offenders have moved nearby or if your name is used on a registry.
  • The deed to your home is secured by monitoring, so thieves cannot steal your house from you.
  • All 3 plans provide protection and alerts for essential activities.
  • Automating the things that you can do speeds up the alert and increases security.

CONS

  • Support hours do not cover the early AM hours or Sundays.
  • Tasks such as requesting credit bureau scores, credit reports, and credit monitoring can be done by consumers.
  • Peer-to-peer lending scanning is not available yet.
  • The safe browsing tool is a browser extension, which comes from an online repository.
  • No device security suite or antivirus is provided.
  • Virtual private networks hide you online. There is no option for one in IdentityGuard’s plans.
  • Restoration assistance should be more comprehensive in the lower-tier plans.
  • Medical ID numbers are also used in identity theft and are not included in scans.
  • There is no monitoring of payday loans.

Conclusion

The rate of identity theft is increasing every year as thieves adapt to every security measure. As busy consumers, parents, and adults, there is only so much that we have time to do in a day. Consistently checking our accounts, credit, court records, titles, deeds, or anything else containing our information or money would be exhausting and consume far too much time. For this reason, identity protection companies have automated many of the tasks for us using advances in technology and artificial intelligence.

As more of our identities are created digitally, thieves will keep finding ways to access our information and steal from us. While we can monitor things ourselves, it is much faster and easier to have automated tech instead. This is because it can operate and scan 24 hours a day, protecting us while we are working, spending time with friends and family, and vacationing.

It remains critical to our families’ security and welfare to protect our identities with the best protection there is. IdentityGuard provides the more complete identity protection of the two compared in this review.

While no one can prevent identity theft, your credit, finances, and identities are closely watched for you by IdentityGuard, making it an excellent choice to protect your family from identity thieves.

* The score you receive with Identity Guard is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your TransUnion credit file. Lenders use many different credit scoring systems, and the score you receive with Identity Guard is not the same score used by lenders to evaluate your credit.

** Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available in all jurisdictions.

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About the author

Keith Morris is a 20+ year veteran of the security game, with the knowledge and experience to set you on the right track toward personal safety and security. His firm is committed to giving you the tools and know-how to combat any threat to your safety.

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