With identity theft and data breaches seemingly running rampant nowadays, there's never been a stronger case for the necessity of identity theft protection. While there's no absolute way to ever stop ID theft from completely happening, there are identity protection services that offer a variety of tools that can help reduce your risk of becoming victimized.
There are plenty of identity protection packages to choose from, but they don't all offer the same amount of coverage. Below, take a look at some of the highlights offered by Identity Guard® and AARP® ID Protection.
AARP ID Protection
The American Association of Retired Persons (AARP) offers identity theft protection plans to its members, effective for both individuals and families alike, and each with their own unique services and pricing. Powered by Trusted ID®, the AARP ID Protection packages provide credit monitoring services and credit score updates from all three credit reporting bureaus - TransUnion®, Experian®, and Equifax® - as well as Social Security Number (SSN) monitoring. Additionally, AARP members receive special discounts on individual and family plans.
While Identity Guard Total Protection® utilizes many of the same identity protection measures as AARP - such as SSN monitoring and three bureau credit score* reporting - there are also several other features exclusive to Identity Guard. For example, Identity Guard provides identity theft insurance** that can reimburse up to $1 million in losses, while also alerting you should other users attempt to change or hijack registered personal records like bank account information or mailing addresses.
Although the two choices offer similar protections at roughly comparable price points, Identity Guard includes additional features not seen in AARP ID Protection. Perhaps the most distinctive difference between the two is that Identity Guard service is available to any customer, while the discounts in AARP ID Protection are only afforded to eligible AARP members.