Identity Guard is a major RIP OFF!! The site states that they monitor your credit report and give you updated scores from 3 of the Credit Bureau Reporting Agencies.
I signed up with them $12.99/mo. Automatically taken out of my credit card. After being with them for 2 years, and continuously checking my report, I noticed there weren't any changes. The only thing that keeps updated is the inquiries. I recently purchased a car. When they pulled my credit at the dealer, I found out that my scores at the 3 credit reporting agencies were 12 points higher than what Identity Guard had shown. I called Identity Guard to cancel them. I was told that my account had problems and hadn't been updated since August. I immediately asked for a Manager. I requested a refund and was told that I wasn't going to get one because it clearly stated on their site that they use some expert reporting agency which gives you scores that are different than what the 3 credit reporting agencies give you.
When you purchase a car or a home, or whatever, and they pull your credit, they get the FICA scores. Identity Guard gives you something else. She said it points that out on their website. I asked her to go to the website and point out where it tells me that. She said she couldn't find it because the website has changed. She then said she can credit me back one month's worth to my card.
All I can say is, IDENTITY GUARD is MISLEADING. They are a MAJOR RIP OFF!!! DO NOT SIGN UP FOR THIS SERVICE.
I have reported them to http://www.ic3.gov/ which is an Internet Complaint Center - they partner with the Federbal Bureau of Investigation (FBI) and the National White Collar Crime Center (NW3C) for internet Fraud! Excellent site to use when you've been ripped off online.