Identity Guard Review 2025: A Comprehensive Guide to Plans, Pricing, and Features
Identity Guard has a long and respected history in the identity protection industry. In 2019, it was acquired by Aura, which now operates both brands. This partnership allows Identity Guard to leverage advanced AI technology from IBM Watson for fast and accurate threat detection. The service stands out for its flexible plan structure and affordable entry-level pricing, especially for families. However, some key features—like comprehensive credit monitoring and "white-glove" resolution—are locked behind its most expensive tiers.
What we like
What we dislike
Plans and pricing for 2025
Identity Guard offers three tiers of protection, with discounts available for annual billing. (Based on the most current market research, the pricing and plans provided in the review are accurate as of October 2025. However, it is crucial to remember that promotional pricing, temporary discounts, and renewal rates can influence what a customer actually pays.)Individual plans
- Annual price: $7.50/month ($90/year).
- Monthly price: $8.99/month.
- Annual price: $16.67/month ($200/year).
- Monthly price: $19.99/month.
- Annual price: $25.00/month ($300/year).
- Monthly price: $29.99/month.
Family plans
- Annual price: $12.50/month ($150/year).
- Monthly price: $14.99/month.
- Annual price: $25.00/month ($300/year).
- Monthly price: $29.99/month.
- Annual price: $33.33/month ($400/year).
- Monthly price: $39.99/month.
Breakdown of features and services
Monitoring and alerts
Resolution and insurance
Identity Guard vs. Aura: What's the difference?
Since Aura and Identity Guard are from the same parent company, they share the same monitoring technology but have distinct offerings.Final verdict: Is Identity Guard worth it?
Identity Guard is a highly credible and affordable option for those primarily concerned with identity and credit monitoring. The core AI-powered monitoring is excellent, and the Value plan offers a very competitive price for basic coverage.However, the tiered pricing structure is a significant consideration. The Value plan is not a truly comprehensive solution due to its lack of credit monitoring. To get full protection, including "white-glove" restoration and multi-bureau credit monitoring, you must subscribe to the expensive Ultra plan.
For those who want an all-in-one bundle that includes identity protection and digital security tools like a VPN and antivirus—without having to pay extra—Aura is a better-value alternative, especially as its premium features apply across all tiers.
You should choose Identity Guard if:
You might be better off with a different service if:
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FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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