Privacy Guard Review

Good

Access to reports from all three bureaus, ID theft monitoring, Norton Internet security online.

Bad

No one-time report purchase, No FICO or Vantage score.

Overall

A reasonably priced option for those who wish to have credit reports, credit monitoring, and ID theft protection with some online tools.

Editor's Ratings

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Privacy Guard is the choice of those who are looking for all-inclusive credit services at an affordable cost.

The credit monitoring service comes with your credit score and report. The report includes score and other data from the three major bureaus. However, there is no way for you to buy a one-time report.

Nevertheless, you can easily take the advantage of the credit monitoring service to track your account histories and personal information such as address and social security number. What is unique of this service is that you get an Experian PLUS score and a CreditXpert score based on the information from all three bureaus.

Features

Apart from the three credit scores, Privacy Guard enables access to CreditXpert scores that offer a quick and precise evaluation of the strength of your each credit files. Although distinct from the scores in use by lenders, CreditXpert scores aim to reveal common scoring practices as well as help you comprehend your credit.

Credit Monitoring

This service alerts you about the changes made to your report from any of the three bureaus. The bureau information appears next to each other even for the 2-year credit history so that you can compare and evaluate. The Privacy Guard report usually contains your account numbers, balances, duration since the opening of the accounts, and highest balance you ever had.

Three Bureau Reports

You can access the three-bureau reports as well as your CreditXpert score quarterly but they are monitored daily 24x7. When it comes to tracking, you receive an alert for any change in your Experian PLUS score. This is done with the help of  Score Tracker that plots your PLUS score monthly to see if any recent activity has influenced your credit profile. 

With the monitoring service, you also gain CreditXpert Essentials that is responsible for offering the CreditXpert score for the three bureaus along with the factors affecting your score, such as payment delay and credit usage.

Identity Theft Protection

In case you notice any inaccurate information, you can use the printable dispute forms available for all three agencies or take the advantage of toll-free assistance for resolving the dispute. Well, this seems to be a bit outdated, as many providers offer an online dispute tool.

Privacy Guard scans the Internet for tracking the usage of cards and social security number to confirm that no one is trying to misuse them online. In case of fraud, you will be directed to an experienced fraud recovery professional to get the desired support and guidance for restoring your good name. Additionally, you can even be compensated with up to $1,000,000 as insurance coverage. Distinctively, you are also offered Norton Internet Security Online for taking care of your online personal data.

Conclusion

Privacy Guard is reliable if you are looking for monitoring your credit information from all three major bureaus. The credit monitoring and theft protection features seriously make it a comprehensive option.

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