Experian IdentityWorks and Identity Guard offer high-tech identity and credit monitoring designed to catch even the most technologically advanced threats. Both use dark web scanning to locate your personal information and make sure it is completely removed from suspicious websites and mailing lists. They also offer you access to your credit reports so that you can also keep a close watch over your accounts and any changes that may occur over time.
Overview: Experian IdentityWorks vs Identity Guard
Experian IdentityWorks and Identity Guard offer several services that work to identify potential threats and neutralize them before they gain access to your confidential and most private information. Each service offers multiple packages allowing subscribers to choose the service that best suits their needs. Experian IdentityWorks offers family solutions while Identity Guard offers one of IBM's feature programs as part of their arsenal of identity theft programs.
- Identity Guard offers Watson, an IBM program that continually looks for breaches and confidential information
- Experian IdentityWorks includes social network monitoring
- Identity Guard monitors your tax returns
- Experian IdentityWorks covers up to 10 children with their family plans
- Identity Guard provides subscribers with a Risk Management Report
Similarities: Identity Guard vs Experian IdentityWorks
Both Experian IdentityWorks and Identity Guard offer subscribers access to their credit reports and scores from all three of the major credit reporting agencies. Both offer restoration and recovery assistance by including a $1 million insurance policy with their most advanced plans. Dark web scanning and social security monitoring are also offered by both Experian IdentityWorks and Identity Guard.
- Both offer continual Dark Web scans
- Credit reports from all three credit bureaus
- Monitors all types of financial accounts
- Restoration and recovery teams to help you get your life back on track
- $1 million of insurance
Differences: Identity Guard vs Experian IdentityWorks
Between the two companies, Experian IdentityWorks and Identity Guard have several differences that make them unique in terms of their services and features. Experian IdentityWorks gives subscribers the ability to lock their accounts for added protection. They also offer social media monitoring and the option to cover up to 10 minors with their advanced plans. Identity Guard brings the security of a long-lasting company, as well as the benefits of having Watson. Watson is an IBM program that continually monitors your confidential information.
- Experian IdentityWorks offers social media monitoring
- Identity Guard includes a Risk Management Report
- Experian IdentityWorks includes coverage for up to 10 children
- Identity Guard uses IBM's Watson to help monitor accounts
- Experian IdentityWorks offers CreditLock that allows the subscribers to “lock” their accounts
Experian IdentityWorks includes a variety of features that work well for protecting your identity. They include Dark Web surveillance, continual social security monitoring, social network monitoring, changes in both bank accounts and credit card accounts. This includes takeovers as well as new lines of credit.
Identity Guard also includes Dark Web scanning, a Risk Management Report, social security monitoring, an anti-phishing app, and an IBM program named Watson that has the capability to monitor your personal information in many locations at one time.
Financial & Credit Monitoring
Experian IdentityWorks offers credit monitoring features that allow for the monitoring of all three credit bureaus. This includes both credit reports and FICO scores. The reports from Equifax and TransUnion are provided on a quarterly basis, but Experian is offered much more regularly. You also get mortgage, credit card, and auto loan scores as well.
Identity Guard also monitors your credit and provides you with your credit score on a month to month basis. They are able to identify newly opened lines of credits and changes to your existing accounts and send you notifications if either of these events occurs. This gives you an opportunity to notify the lenders and prevent devastating loss.
Identity Restoration & Insurance Coverage
Experian IdentityWorks offers a $1 million insurance policy through AIG that will cover a variety of expenses including lost wages, lost assets, and any expenses you may occur due to fraud or identity theft. They also offer professionals who specialize in fraud resolution to assist you.
Identity Guard offers a $1 million insurance policy that is available to help you restore your identity and recover your lost assets. The policy is designed to pay for attorneys' fees, lost wages, or any other expense you incur when your identity is compromised or your credit is tampered with.
Pricing & Plans
Experian IdentityWorks has three plans. The first covers one adult and costs $9.99 a month. The second plan covers one adult and up to 10 minor children for $14.99 a month. The top tier plan covers two adults and up to 10 minor children for $19.99 a month.
Identity Guard also offers three plans. The Value plan starts at $8.99 a month ($7.50 if paid annually). The Total plan is next and costs $19.99 a month ($16.67 if paid annually). The Premier plan is the most popular and costs $24.99 a month ($20.83 if paid annually).
Summary: Experian IdentityWorks vs Identity Guard
Experian Identity Works is a great choice for families that have a lot of children and want to ensure that everyone is protected.
Identity Guard is the best option if you want to have the security of a high-tech monitoring system.