IDENTITY GUARD® – The Company
The IDENTITY GUARD® package of services is the brainchild of Intersections Inc., a publicly traded company with over ten years of experience in protecting consumers from the threats associated with identity theft. The company does business with many leading financial institutions in the U.S., assisting them in creating identity solutions catered to their specific products and customer base.
Intersections Inc. has protected more than thirty million customers since its inception and has offices in North America, Europe and Asia. It offers solutions to businesses worldwide, and Identity Guard is just one of many products they have developed in this area.
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IDENTITY GUARD® TOTAL PROTECTION℠ offers three-fold security for your personal information with the following services:
Credit Account Protection
The first service Identity Guard gives to the consumer is credit account protection. They do this with a comprehensive 3 bureau credit monitoring service.
This service includes a search for applications for credit in your name, such as credit cards or loans, as well as a search for applications for other accounts, like cell phone registrations. This application search takes place on a daily basis.
In addition, the service monitors your credit report to ensure no changes have been made to your file without your knowledge. If certain information changes at any of the three major credit bureaus you are promptly notified. This may be the best credit monitoring service available, surpassing those offered by the credit bureaus themselves. They also have a mobile app so you can get credit monitoring alerts, even credit scores, on your mobile phone.
The second service offered through Identity Guard is internet monitoring. This means that the company will scour the Web to see if your information is being released or shared by identity thieves. This is possible because the service scans the online markets and channels used most often for the illegal trading and distribution of personal information.
The company will also check public records databases for inaccurate information regarding your accounts, which may occur because a thief has compromised your information or may simply be errors, but either way, you can correct them in a timely fashion. In other words, you will be alerted of changes to your sensitive information to help you stop identity thieves before they start opening accounts.
Internet Security for your Computer
ZoneAlarm Internet Security software has a good amount of protection for your PC or laptop computer. It was created to target identity thieves who try to install software on your computer through websites or emails or who con you into sending them your personal information through spoofed webpages. It has the capability to block viruses, spyware and fraudulent emails to protect you from phishing attacks, hackers and malicious spam. The software is updated regularly as new viruses and phishing attacks are created. ZoneAlarm is in the same league as Norton and McAffe Internet Security so this is a $50 yearly savings.
Identity Guard keeps you ahead of identity thieves
If any certain fraudulent changes are made to one or more of your credit accounts, the Identity Guard Total Protection service will send you an email with the change so that you can quickly block and/or close the accounts and report the matter to the authorities. They will also alert you if an identity thief changes your name, address or email on your bank account or opens a new bank account in your name.
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Identity Theft Recovery
Identity Guard goes even further to assist you in restoring your identity if you find that you have been victimized. If unauthorized changes to your accounts, or any other event for that matter, turns out to be the result of identity theft, Identity Guard’s Identity Theft Assistance Center will assist you through the entire process of recovery. You can take advantage of all of the resources available through Identity Guard’s customer service department, which is staffed by individuals well-versed in the workings of the credit world.
$1 Million Loss Reimbursement Identity Theft Insurance is included*, with no deductible and covers costs (affidavits, application fees, private investigators, travel, long distance calls, etc), lost wages ($2000 per week, max. 5 weeks), legal defense fees and expenses and most importantly, any loss of funds for which you have not been previously reimbursed. They have a straight forward simple promise to their customers – if identity thieves steal your money, we will make sure you get it back. Period!
To prevent identity theft from happening again, the personal ID RISK ASSESSMENT® product will help you and Identity Guard determine which of your accounts and personal information are the most at risk and concentrate their protection efforts in these areas.
In addition to the three services and insurance above, Identity Guard offers the following products to give you more convenience and peace of mind :
PRIVACYPROTECT®: Some of the more high-tech identity thieves can steal your personal information by remotely installing software on your machine that records your keystrokes as you type in personal information. You may already have this spyware on your machine without even knowing it. Once your machine is protected with PrivacyProtect software, your keystrokes will be encrypted. So even if he is recording your keystrokes, all the spy will see – and be able to copy – is gobbledygook.
MOBILE LOCKBOX: Since the most secure passwords and usernames can be complicated and difficult to remember, this service is available to help you store them in a safe place while still allowing you to access them at your fingertips. All you need is a cell phone, PDA or computer to “lock up” your account numbers, passwords, files, records and other sensitive information. Plus, with all of this information in one place, it’s easy to cancel all of your accounts if you find that they have been compromised or if your wallet or purse is lost or stolen. Just give them a call and it is taken care of all at one time.
Identity Guard Promotion
The price for Identity Guard Total Protection, which both Intersections and Identity Theft Labs recommends, is regularly $19.99 per month but by clicking the link below a 15% discount will be automatically applied bringing the price to $16.99 per month and giving you the first 30 days free. You save $36 every year.
When you consider that Identity Guard goes far beyond other credit monitoring services by offering such an extensive array of services that are all designed to help protect your identity, it really does become an easy choice for those looking for total peace of mind.
Identity Guard Total Protection was PC Worlds #1 rated service in April 2008 and voted best in class in Javelin’s 2009, 2010 and 2011 Consumer Identity Protection Services Scorecard.
Intersections, IDENTITY GUARD, TOTAL PROTECTION, PRIVACYPROTECT , MOBILE LOCKBOX and ID RISK ASSESSMENT are federally registered trademarks of Intersections Inc.
*Reimbursement will be provided by insurance carrier. Insurance is underwritten by insurance company subsidiaries or affiliates of AIG. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions and is subject to actual policy language.