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Monitoring your credit report through a service like Credit Karma can help you identify fraudulent activity across your credit card accounts, but for some, subscribing to an identity-theft protection service is worth it for the extra peace of mind.
Identity Guard® is an identity-protection service for individuals, families, and businesses. It uses IBM Watson intelligence to scan for any threats to your information, and it also features data breach notifications, high-risk transaction monitoring, dark web monitoring, and identity theft insurance.
approaches, the company is running a sale on its various membership options. Whether you’re looking to enroll in an individual or family plan, you’ll pay less to set up an account if you do so before the end of the month.
Save up to 60% on Identity Guard® membership
Now through November 30, Identity Guard® is offering up to 60% off individual and family plans. For individual account holders, this means you can sign up for as low as $3.60 per month with the company’s Value account.
The sale also reduces the costs for Identity Guard® Total and Ultra accounts. Total costs $8 per month, and Ultra accounts have a monthly fee of $12 (when billed annually).
Identity Guard® plans are also available for families, in which case the Value account costs $6 a month with the discount; Total accounts cost $12 per month, and Ultra accounts cost $16 per month (when billed annually).
Each account features access to US-based case managers, risk management scores, online identity dashboards, safe browsing extensions, mobile apps, and $1 million insurance with reimbursement options for stolen funds*.
All three Identity Guard® accounts also offer alerts for high-risk transactions, personal information on the dark web, and personal threats.
You can take advantage of other alerts for monthly credit scores**, three-bureau credit changes, bank account takeovers, and fraudulent bank account requests. You can only access these additional alerts with Total and Ultra accounts, though. Ultra accounts also provide social insight reports and credit reports based on data from three credit bureaus.
Do you need identity theft protection?
Your information won’t necessarily be compromised if you don’t sign up for identity protection — there’s just a higher level of risk. And there’s no guarantee that identity theft protection will completely shield you from fraud, either.
The unfortunate truth is that no one may be completely safe from all fraud. In 2018, more than $14.4 million people fell victim to identity fraud, according to a 2019 Identity Fraud Study from Javelin Strategy and Research.
Identity theft protection services such as Identity Guard® provide an extra layer of security for information such as Social Security numbers, bank accounts, insurance plans, and other financial and personal details.
If you ever think your identity has been stolen, though, the Federal Trade Commission offers three steps to help you secure your personal information.
Sign up by November 30 to get the deal
The Identity Guard® Black Friday sale ends on November 30, so don’t wait to sign up if you’re interested. Once you enroll, you’ll be able to access your account through the company’s web and mobile applications, and you’ll be able enroll family members in your plan.
You can check out more Black Friday deals at Business Insider’s hub page, which is constantly being updated.
Rickie Houston is a wealth-building reporter at Personal Finance Insider who covers investing, brokerage, and wealth-building products. Before joining Business Insider, he worked as a personal finance writer for SmartAsset. He is also a Certified Educator in Personal Finance (CEPF).
*Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
**Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.