#Review of iguard update#
We could switch back to a previous iteration, but we’d rather see Identity Guard update their service to stay current with the platform. We don’t use the latter two, and we were unable to connect to the former since Identity Guard doesn’t support Facebook’s new layout. Unlike more robust social media monitoring functionality like IDShield, the only platforms Identity Guard offered protection on were Facebook, LinkedIn, and Twitter. Here we could also link to our social media channels, and this was the second time Identity Guard let us down. Their big appeal is that they aren’t issued by any central authority, making them immune to market manipulations. For someone that only wants to use the app as a vehicle for receiving alerts it’ll do, but Identity Guard is clearly primarily a desktop service.ĭid You Know: Cryptocurrency relies on decentralized networks using blockchain technology, which is essentially a distributed ledger maintained over a distributed network.
We could cycle between “reports,” “alerts,” “watchlist” and “settings,” but there was no dashboard to speak of and no clear flow to anything. Like many services, Identity Guard’s app felt like an afterthought, with very little consideration given to the user experience. We grabbed our phone and headed over to the app store to do just that.Īfter the really robust desktop experience, we have to say, we were pretty underwhelmed by the app.
#Review of iguard download#
While it seemed a little out of sync, the tutorial told us that next we were supposed to download the app. You should also be on the lookout for credit accounts that list you as cosigner, among other things, of course. That might include credit cards or credit lines you don’t remember having, incomplete or incorrect personal information, or credit checks you didn’t authorize. Generally, in these reports, we recommend being on the lookout for things that seem out of the ordinary or unfamiliar to you. Honestly, this is the best credit breakdown we’ve seen since we reviewed IdentityForce. It has a ton of information on it, and a lot of it can read like greek if you’re not a finance person.ĭon’t worry though, Identity Guard breaks everything down in meaningful ways, and tells you what to look out for in each section - personal information, accounts, inquiries, public records, collections, and consumer statements.
#Review of iguard full#
If you’ve never seen your full credit report, it can be a little daunting.
Here is where that three-bureau monitoring comes into play. 2Īdditionally, now that our identity was verified, we had access to our credit report. It’s used by lenders, landlords, and other financial institutions to make decisions on creditworthiness. VantageScore was developed in 2006 by Experian, TransUnion, and Equifax to evaluate consumers’ likelihood of repaying borrowed money, competing against the better-known FICO score. You’ll still get monitoring from all three major credit bureaus. Don’t worry, though, you’re not getting ripped off. You might be confused seeing only two bureaus reporting here, since you paid for three-bureau credit monitoring.
It just so happened that the best plan for us (Ultra) was also the one with the most features and protections.Īt this point we were able to access our VantageScore Credit Score.
Any of the three plans could be the best plan for you depending on what features you’re looking for and of course, your budget. There is no best plan, just three different plans that offer different levels of protection at different price points. We went ahead and selected that option, and were prompted to create an Identity Guard account by entering our email and selecting a password.Īs a side note, that’s one of the great things about Identity Guard. Ultimately, after weighing the options, we thought the Ultra plan would be right for us (we really wanted that 3-bureau credit report). In our opinion, this provides more value than (ironically) the Value plan, as credit monitoring takes Identity Guard’s protections to the next level. It has all the features of the Value plan, but it adds basic credit monitoring. Now, on the other hand, the Total plan at $16.67 per month if paid yearly is a good middle ground. This is right in-line with other low-cost ID monitoring offered by brands like LifeLock and Zander. If you’re looking for more affordable coverage, note that Identity Guard does have plans starting as low as $7.50 per month when paid annually. For some context, $25 per month is a touch pricey for the Ultra plan, but then again it does come with some great features.
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