Credit Report Reviews & Comparison

Editor's Note:

There are currently no special offers for PrivacyGuard, but this doesn't detract from the fact that they are competitively and fairly priced.

Summary

PrivacyGuard are one of the leading credit report companies in the industry that offer comprehensive credit monitoring services that keep you up to date when changes to your Experian, Equifax and TransUnion reports appear. With three-bureau credit reports updated monthly and CreditXpert credit scores to hand; you can expect daily supervision of all of your important personal and financial data. With an easy to navigate user interface and straight forward layout of both your credit history and information from all three bureaus, a one month trail is a fantastic offer for an already reasonably priced $14.99 a month membership.

Overview of Pricing

There are so many credit report companies out there on the market that choosing a provider becomes a hard task. Do you opt for quality, cheap prices or a company that has all of the features that you need? Well, Privacy Guard certainly works to tick all of these boxes. You can indeed get quality and tailored services for one of the most competitive prices around. You will gain access to their great features for one whole month for just $1, and a subsequent fee of just $15.99 per month thereafter.

Credit scores and credit reports have fast become a necessary part of any financial health inventory, but did you know that you can get access to all of your monetary data, too? In today's digital society keeping track of your financial data can mean the difference between preventing identity fraud and falling victim to it. So signing up to a credit report provider won't just make the difference between getting the loan you really want and missing out, but it'll also keep you safe in the long run.

If getting a regular credit check can make such a difference to your security and creditworthiness why aren't you doing it already? We take a look at Privacy Guard, one of the more comprehensive credit report companies available, to see if they have the right tools to offer you for the best services around.

Credit Monitoring, Reports and Scores

PrivacyGuard offer a comprehensive credit monitoring service that works to keep you up to date when changes to your Experian, Equifax and TransUnion reports appear. You will have access to monthly three-bureau credit reports and CreditXpert credit scores and you can expect daily supervision of all of your data. Everything is laid out in an easy to understand format with information from all three bureaus displayed side by side (even for the 24-month credit history report) so that you can quickly compare each independent review to see whether or not each agency is displaying the same information. Each credit report will list your individual account numbers, account statuses, balances and even important data such as the terms of each of your accounts, the life spans of them and the highest recorded balances respectively.

Identity Theft Protection and Tools

PrivacyGuard provides you with unique assistance that can help you to protect both your identity and your credit by way of scanning the internet for your Social Security and credit card numbers. This will allow them to detect and verify whether or not anyone is trying to sell your important personal and financial information online. PrivacyGuard work to actively search for as many as ten of your registered credit cards online for fraudulent activity.

If you discover unusual or inaccurate data on your credit scores- such as defective figures on your reports- PrivacyGuard comes in head and shoulders above its leading competitors when providing important information about whom to contact when you need to dispute financial claims. They offer you printable claim dispute forms, for each of the three bureaus, and a toll-free phone line that is open to assist you throughout the dispute process.

They also offer you access to a unique credit score simulator that will allow you to enter information about personal factors that may impact your credit score. This tool can give you an added insight into the reasons why your current credit status is how it is and as a result you will be able to better manage your credit status over time.

Features & Highlights

PrivacyGuard also offers these extra features and highlights:

• Email or text alert so you can take action quickly
• $1 million in identity theft insurance.
• Free antivirus software with Norton Internet Security Online
• Identity fraud support service
• Online credit education center

The Sign up Process

When you want to sign up to PrivacyGuard you simply provide your standard personal information and that's it. They will automatically generate a unique user ID for you and you'll get details of your account sent via email to keep for future reference.

Pricing Issues

Unlike many of their leading competitors, PrivacyGuards pricing issues are pretty straight forward. For a one-off fee of $1 you get access to their full services for two weeks and if at the end of the trial period you decide not to continue with your membership, simply cancel. If you are happy to continue however membership fees are $14.99 per month, which is great value for money for both the services provided and compared to leading industry giants.

Customer Service

PrivacyGuard offers a multitude of educational materials; from blogs to FAQs that will provide you with a whole host of important information should you have the need for it. If you can't find the answers you seek online, you also have access to their customer services department via a toll-free phone line or email. The staff are on hand and helpful, not to mention skilled in a variety of different credit report areas to suit your needs.

Overall

The information that you receive from the daily credit report updates is trustworthy and valuable and the easy-to-read format of the credit report is definitely the best feature of PrivacyGuard's overall services. Their offerings in accordance to financial disputes are second to none, so there are some nice features to consider when you decide to sign up. They aren't the most expensive credit report company out there, but they don't necessarily offer all of the outstanding features of some of their competitors. If you are looking for cheap and easy to understand services, PrivacyGuard may just be the company for you.