PrivacyGuard offers comprehensive services you can use to have access to your credit reports and identity theft protection services. Founded by the Trilegiant Corporation, it delivers immediate access when changes in your credit reports occur, which can help you be proactive in curbing identity theft.
PrivacyGuard will help protect your identity in multiple ways. Here is a look at some of the ways they assist you in keeping your information safe:
It will monitor all three of your credit reports, and inform you via phone, email or text of changes when they arise. This is beneficial in that it can help you discover when someone is trying to open an account in your name quicker, thus making it easier to isolate the problem now before it becomes bigger in the future.
They also provide you with credit score information and the reasons for when your score changes. This often occurs when you forget to pay a bill, open a new account or have a collection account post to your history. Along with this, PrivacyGuard also provides you access to your credit reports. All of these features can help you take control of your finances by monitoring your credit more diligently, which might help you spot theft quicker, should it ever occur.
PrivacyGuard also provides you with identity theft recovery services. In the unfortunate event you become a victim of identity theft, its fraud professionals will work with you every step of the way to help you contact creditors, file disputes and ensure you file the correct paperwork to restore your identity.
PrivacyGuard: How it Works
To begin, you can sign up for an account on its website. This is a simple process to do that should take you only a few minutes to complete. As part of the sign-up process, you'll need to provide your social security number, so it can access your credit reports.
PrivacyGuard currently offers a trial period with its services, where you can sign up now and pay $1 for the first 14 days. This allows you to see if its products are beneficial to you. If you want to cancel services be sure to do so by contacting them before the 14-day window expires or else it will charge your credit card the regularly monthly fee of $19.99.
This provider has many of the same benefits as the other providers on our list. They diligently monitor for fraud and send you and the credit bureaus an alert when fraud is detected.
Their team of resolution specialists is trained to walk you through the steps in the event that your identity has been stolen and can provide legal assistance throughout the process.
PrivacyGuard provides several financial tools you can use to aid you in your preparation for a loan, mortgage or if you want to test how different events can impact your credit scores.
It also has a loan payoff calculator that will assist you in creating a plan to pay off debt quicker. All of these tools are great ways to test different situations that might arise with your finances, so you can make better plans.
Where this provider loses points is in the area of data protection. PrivacyGuard protects your Social Security number, name, street address, e-mail, credit card numbers, bank account information, and public records. It does not, however, protect your telephone number, loan or lease information, criminal records, or sex offender registry.
You also have to request your driver's license and medical insurance information to be covered since it's not automatic.
PrivacyGuard's website is rich with educational tools you can use to learn more on everything from managing credit to restoring your identity. Its credit information tab gives you access to helpful articles such as a checklist you can use when you become a victim of identity theft.
PrivacyGuard can assist you in learning more about information on your reports. With its toll-free hotline, its trained professionals will assist you in understanding all the information on your credit reports. Furthermore, should you identify any inaccuracies, its professionals will work with you to file a dispute with the credit bureau.
It also provides practical advice on how to protect your credit cards to reduce the chances of you incurring identity theft. All of this information is important to understand because knowing more about items such as the information contained in credit reports can make it easier for you to spot inaccuracies that might be the result of fraud.
PrivacyGuard also has a blog, where they post a wide variety of information on identity theft issues, including news articles on data breaches. Since data breaches are becoming more of a regular occurrence, this is a good resource to use in the event a place you've been is a victim of a breach.
PrivacyGuard Customer Service
PrivacyGuard has multiples way in which you can contact them should you have any questions or issues. They have a membership phone number you can call 24/7 as well as a link to its website to email any questions.
Another good feature they have is a FAQ section, where you can receive answers on basic membership and technical questions. Overall, they provide multiples ways for you to receive the information you need.
PrivacyGuard Review Recap
PrivacyGuard receives our recommendation despite its shortcomings. You'll receive 24/7 customer service support for any questions or urgent inquiries, plus $1 million identity theft insurance to cover your losses in case you are the victim of theft. Further, with excellent educational resources and great financial tools like its personal loan calculators, PrivacyGuard gives you ample access to information you need to help you make smart financial decisions.