PrivacyGuard Review

PrivacyGroup ID Card

Price           30-day trial for $1; $14.99/month

Top Pro      Strong credit monitoring with daily monitoring from three elite credit bureaus

Top Con     Does not monitor bank accounts for identity theft

Best for     Those who have concerns about inaccuracies in their credit reports

Recovery   $1,000,000 identity theft coverage

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PrivacyGuard at a Glance

PrivacyGuard is a credit monitoring service that provides credit scores developed from all three major credit repositories - Experian, TransUnion and Equifax. This is important because information that appears on one credit report may not appear on the other two. The only way to know what’s going on with your credit is to track all three, and that’s exactly what PrivacyGuard enables you to do. PrivacyGuard is offering a 25% discount on their monthly plan which is $14.99 after discount. Privacy guard does not offer family coverage and only protects one adult. If you’re a new subscriber can try the service for 14 days for just $1. If after two weeks you don’t feel like PrivacyGuard is right for your credit monitoring, you can cancel online as quickly as you signed up.

Best for Whom?

PrivacyGuard does not offer as much as some of the higher end credit monitoring services on the market, but they do provide you with the tools to protect your identity on your own. PrivacyGuard’s regular monitoring of your financial and personal information, in addition to a little bit of your own work will make for a solid credit monitoring for those who want to be hands on.

Features and Highlights

PrivacyGuard offers comprehensive credit reporting, credit score, credit monitoring and identity theft protection services.

Some of the features offered by PrivacyGuard include:

Triple Bureau Credit Report: This gives you reports from all three major credit bureaus, enabling you to see what lenders see, and to correct errors before they become bigger problems. You can receive one credit report every 30 days as part of your subscription.

Credit Monitoring and Alerts: Text, email or phone alerts letting you know about significant changes in your credit file, as well as new accounts and credit inquiries, which can indicate identity fraud.

Identity Fraud Support Service: Should identity fraud ever visit your life; Privacy Guard will help you minimize the impact.

Credit Score Simulator: This tool give you an opportunity to see how certain changes - a new loan or paying off an old one - will affect your credit scores.

Credit Report Disputes assistance: If you need to dispute errors on your credit report, PrivacyGuard provides you with printable dispute forms, as well as toll-free assistance to help you get them corrected.

Lost Wallet Protection: Provides support for replacing or cancelling your cards

Computer Protection: PrivacyGuard supplies Norton computer security software to protect your computer and digital information.

The Signup Process

To being your credit monitoring services, there is an easy to follow three step process to sign up for PrivacyGuard.

Step 1 is to provide your general information - name, address, date of birth.

Step 2 you provide your Social Security number and email address, and create a username and password.

Step 3 you provide your credit card information and phone number. They accept Visa, MasterCard and Discover.

Contract Details

Privacy Policy

PrivacyGuard collects certain information from its customers for service provision and marketing.

Information Collected

PrivacyGuard collects the following information from its customers to provide its identity protection services:

  • ​First and last name

  • Mailing address

  • Email address

  • Phone number

  • Service usage

  • Social security number

  • Income

Billing and Cancellation

PrivacyGuard reserves the right to change its prices at any time, but customers will be notified before these changes go into effect. Membership subscriptions are automatically renewed unless the customer contacts the company directly to cancel. Customers may cancel at any time.

Important Note

In no way does this summation strive to compensate for reading the actual terms of service or contract provided by PrivacyGuard. Please refer to the company’s website to read these documents in their entirety.

Help & Support

PrivacyGuard offers customer support through mail, email and by toll-free phone. You can also contact the company through the social media networks. The site offers a comprehensive "Credit Information" section where your questions about your membership, as well as technical issues, can be addressed. They also have a blog that has articles that have relevant information to the credit industry, and various potential scams. If you need PrivacyGuard’s support in the event you run into problems with your credit information or identity theft, they have a free 24/7 support line that you can call anytime with your concerns.

Deep Dive into Pros and Cons


  • The biggest positive that PrivacyGuard has going for them in they provide customers with credit monitoring from all three elite reporting agencies - Experian, TransUnion and Equifax

  • They offer a credit score tracking tool which notifies customers in the event there is a dramatic change in their score.

  • PrivacyGuard offers some other fantastic financial literacy tools on their website like credit score simulator and a financial calculator that allow you to play around with your own finances and show you can improve your credit score.

  • PrivacyGuard credit and identity theft monitoring customers get Norton Internet Security Online for free. The internet is full of scams and viruses waiting for their next victim and your personal information is at risk. This online security software can put your mind at ease and ensures you stay protected.

  • $1,000,000 identity theft coverage is offered to ease the stresses that come with identity theft and other damaging financials problems.


  • With the three reporting agencies backing them, the monitoring service offered is stellar but the protection plan requires some hands-on involvement from the customer. PrivacyGuard will absolutely alert you of any changes in your credit, but it’s up to resolve those risks (with a little help from PrivacyGuard along the way).

  • They do not monitor bank accounts so if you are the victim of identity theft via your bank account, you won’t get an alert from PrivacyGuard. It’s up to you to routinely check your financial statements to make sure everything is fine.

  • They do not monitor your entire family – just one adult. They will not alert you if your children are victims of identity theft.


PrivacyGuard offers one of the more comprehensive credit monitoring programs available. Not only do you get credit scores and monthly credit reports from all three major credit bureaus, but you also get the full range of services that will help you to manage your credit and deal with errors, disputes and potential identity fraud. If you are looking to get the most up-to-date credit reports and scores possible from elite credit bureaus, PrivacyGroup is a solid service, especially for the price of $14.99 a month.

Physical Address

6 High Ridge Park

Stamford, CT 06905


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