Identity Guard® Total Protection® — Service Details
Social Security Number Monitoring
- We continuously scour thousands of databases for you, promptly alerting you when your SSN is detected. This gives you time to re-secure your data before an identity thief can do further harm.
Online “Black Market” Monitoring
- We monitor the Internet 24/7 to see if your personal information — Social Security number, registered bank account numbers and credit card numbers — are detected on black market websites, secret chat rooms, and underground forums. If we find something, we send you a fast notification.
ID Verification Alerts
- ID Verification Alerts inform you of certain actions taking place within our network of monitored sites and accounts. Every time you, or someone posing as you, updates information to your current accounts — bank passwords or address changes, for example — or applies for a new credit card, cell phone or other credit, we send you an ID Verification Alert so you can confirm the activity is valid or take precautionary measures if you suspect identity theft.
Account Takeover Alerts
- We help protect your financial accounts from takeover by identity thieves with real-time alerts when you — or someone posing as you — tries to change your personal account information within our extensive network of banks and creditors.
Identity Theft Victim Assistance
- If you do become a victim of identity theft, as an Identity Guard member, you have access to highly trained experts who are 100% dedicated to making a stressful situation and recovery as easy as it can possibly be.
Lost Wallet Protection
- If your wallet (or purse) is lost or stolen, just call us and we will help cancel your credit card accounts, review your current credit report with you for potential fraud. If you need cash right away, we can send you up to $2,000 in emergency cash from one of your accounts.
ID Vault®PC Password Protection
- It’s hard to remember all of those user names and passwords. ID Vault securely encrypts and stores your usernames, passwords and credit card information all in one secure place on your PC with 1-click access making it easy and secure.
$1 Million Identity Theft Insurance**
- Our $1 million identity insurance covers your losses due to identity theft to help you get your life back on track.
Address Change Monitoring
- Changing the physical address on someone’s account is still the most frequent action taken by fraudsters. We will alert you whenever a change in your address is detected within our system.
3-Bureau Credit Monitoring
- We monitor your credit files at the three major Credit Reporting Agencies every day and promptly alert you if there are certain changes, such as new credit applications, credit cards, mortgages, or loans in your name.
3-Bureau Credit Report Updates (Quarterly)
- We provide regular updates showing changes to your credit reports at the major consumer reporting bureaus. Staying up-to-date on your credit files can help you make more informed financial decisions and help protect yourself from identity theft.
All 3 Credit Scores* (Updated Quarterly)
- Knowing your credit scores in advance of making a big purchase can help you understand which loan rate you may qualify for. We will provide you an up-to-date view of your credit scores based on data from all three credit bureaus. You will receive regular credit score updates with your updated credit report so you can track your credit score over time to see how you’re doing.
3-Bureau Credit Analyzer
- Our Credit Analyzer simulation tool uses your credit information to let you explore how various financial decisions may impact your credit. You can experiment with making payments, transferring balances, opening or closing accounts, making credit inquiries and more.
Account Access via Mobile App
- Accessing your Identity Guard®account is convenient and easy from your smartphone. Download our Mobile App for quick and secure access to your monitoring alerts, current credit scores and more. Available for iOS and Android.
Public Record Monitoring
- Public records are just that; your personal information easily accessible to the general public. To help you keep up with all of these public records, we will monitor and alert you to certain changes, such as names and aliases, address history, license and registrations, criminal and civil court records which may be early indicators of identity theft.
PC Keyboard Encryption Software
- Our PrivacyProtect®innovative software encrypts every keystroke you make on your PC, making them unintelligible to keyloggers who are trying to steal your passwords and PINs.
PC Antivirus Software
- When you choose either our Platinum or Total Protection®service, you’ll get anti-virus protection for your PC with Internet Security Suite by ZoneAlarm®. This all-inclusive PC protection package delivers trusted anti-virus, anti-spyware and firewall software at no additional cost for the life of your membership.