- Report: #286226
Complaint Review: Identity Guard
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| Identity Guard identityguard.com
Chantilly, Virginia U.S.A. |
|
Identity Guard IDENTITY GUARD **Online Credit Monitoring Service - Rip-off Chantilly Virginia
*Consumer Comment: Stop complaining!
*Consumer Comment: Wow...talk about incorrect Information
*Consumer Comment: Identity Guard scores
*Consumer Comment: not fraud
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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.
Sabrina
Orlando, Florida
U.S.A.
This report was posted on Ripoff Report on 11/23/2007 08:33 AM and is a permanent record located here: http://www.ripoffreport.com/r/Identity-Guard/Chantilly-Virginia/Identity-Guard-IDENTITY-GUARD-Online-Credit-Monitoring-Service-Rip-off-Chantilly-Virgi-286226. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Search Tips#1 Consumer Comment
Stop complaining!
AUTHOR: jlynlng77 - (United States of America)
SUBMITTED: Tuesday, January 22, 2013
Your 12 point increase FICO score was more than likely due to someone reporting with the month. Identity Guard obviously doesn't update each day. That would just be asking too much for a $13 a month service.
Complaints such as this puts a strain on a perfectly good company for nothing. I mean really, you had an increase, not a decrease! You'll be fine.
#2 Consumer Comment
Wow...talk about incorrect Information
AUTHOR: El Jeffe - (United States of America)
SUBMITTED: Saturday, July 07, 2012
All credit monitoring companies use a regular credit score system. If you were to pull your credit scores directly from the bureaus - you would get a regular credit score. Also credit scores can go up and down several times during the month, so trying to compare credit scores from different companies is not a good idea as it depends on the day that the credit report is pulled.
Think of your credit score as a snapshot of your credit on the day that your credit was pulled. Credit Monitoring companies have a hard enough time with consumers that are ignorant when it comes to credit matters (as witnessed by the above comment) so before writing a review, please check your facts.
Idenityguard is an excellent company. I have never had any problems and they do a great job of protecting me from fraud. Difficult customers definitely give this service a bad name but please don't listen to the comment above, the consumer is clearly not well informed!
#3 Consumer Comment
Identity Guard scores
AUTHOR: jincali - (United States of America)
SUBMITTED: Friday, March 19, 2010
#4 Consumer Comment
not fraud
AUTHOR: toddm22 - (United States of America)
SUBMITTED: Sunday, January 31, 2010
While I do not have any experience with this company myself what you are describing is hardly fraud. First off, its a FICO score not "FICA." FICO stands for Fair Isaac Corporation. None of the credit reporting agencies- Equifax, Trans Union, Experian, nor Identity Guard give you an actual FICO score. What you get is a close approximation. This is clearly worded on all their websites. Your score was 12 points different. What are you complaining about?
Your complaint about nothing changing on your report is a different matter. If they truly didn't update your reports then you should be due a refund but according to you there were inquiries. So it sounds like this was happening. Anyway, when you spoke with the manager you only mention the score being different as the issue.
Bottom line is nobody except FICO is going to give you an actual FICO score. This is not misleading and certainly not fraud. We all need to be somewhat educated consumers and not claim fraud just because we didn't understand what services were offered.
