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Based on 31 reviews that contain star ratingsSHOW RATING DISTRIBUTION


ConsumerAffairs Accredited Brand

PrivacyGuard is a credit report site that helps individuals manage credit and protect their identity. The offer different levels of membership for unique needs, including ID Protection, Credit Protection and Total Protection. PrivacyGuard memberships may include social security number tracking, monthly credit score monitoring, ID theft insurance, fraud assistance and more.

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Last updated: March 1, 2018

54 PrivacyGuard Consumer Reviews and Complaints

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Verified Reviewer
Original review: March 1, 2018

Been a member for several years and I am about to cancel because of several incidents (Note my alerts are properly set up on my account). Specifically, I was switching phone service to T-Mobile, they ran my credit, immediately received alerts from Credit Karma and Capital One (free service) nothing from Privacy Guard. My identity was stolen (someone successfully ordered a duplicate driver license in my name with a different address and opened credit). The Culprit added a new address and added a new social security number on my credit file and incredibly, still no alerts from Privacy Guard. Privacy Guard is a completely useless service.

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Verified Reviewer
Original review: Dec. 23, 2017

For a while now whenever I would check my score detail it would say sorry for the inconvenience and to try again later, sometimes it would work other times not. For a few weeks now it's been saying the same thing I couldn't do anything it would say sorry for the inconvenience to where I finally wrote to them and they wrote me back on 12/12/2017 stating someone would call me, it's now 12/23/21017 and I have not received a call, I have been a member for over a year and expect better service, I would have to go on Credit Karma to see my credit report detail whenever PrivacyGuard a service I was PAYING for wouldn't work. I decided to cancel my service online since next week is the time I usually get charged and I'm not paying for service that is not being fully provided to me.

6 people found this review helpful
Verified Reviewer
Original review: Nov. 22, 2017

I would not recommend this company as a secure, highly technical place to do business with. Here's what happened: My bank replaced my credit card for security reasons. I went to PG's website to provide the new credit card and found out that my account was canceled. On 11/16, I spoke with a person and they took my new credit card. They told me I would have my account back in 24-48 hours. I also told them that my husband had an account with the same credit card. They said he would have to give them a new credit card as well. They never told me that there can only be one credit card per membership.

I asked if there was a way to expedite the process. They said the only way is to set up a new account with a new email address and credit card. We did this for my husband's account but I opted to keep my existing account as I have more historical data in mine. I waited the 24-48 hours and my account was still not activated. I called on 11/20 and was told that the previous person did not enter the card correctly. This supervisor ensured me that my account would be back up within 24-48 hours. It wasn't.

I called today and spoke with Vernon and Tara. For the first time, I was told that we cannot use the same credit card for both my husband and I. Vernon said the executive office could make an exception. He put me through to Nayeli who informed me that they COULD NOT make an exception. I asked her what they do if a family only has one credit card that they use. She said, "They can find another service." Shocked by this answer and the lack of training and sloppy handling of my credit card information and my account, I decided to not do business with this company. I recommend that no one does business with this company if they value their personal and financial information.

It shouldn't take 3 phone calls to find out what the problem was. They shouldn't have a restriction that limits participation in their program only to families with more than one credit card and they should train their staff better to ensure they are giving correct information and not causing extended delays when trying to correct a credit card issue.

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2 people found this review helpful
Verified Reviewer Verified Buyer
Original review: Nov. 10, 2017

I have had a great experience in the short time I have been a member of PrivacyGuard. I have only been with this company a few weeks. I am able to properly monitor the changes or the activity of my credit scores.

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Verified Reviewer
Original review: Nov. 3, 2017

Like the idea of bettering my credit. Just a slow process and no results yet makes me nervous for all the money we have paid but still thinking positive and hoping for great news soon so we can have confidence and get on the right track.

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Original review: Dec. 22, 2015

I have been a member of privacyguard for the past 10 years. I received a letter that my membership was being cancelled and to call for questions. I called the number and spoke to a privacyguard rep who stated my financial institution and PG were no longer doing business. Huh?? I offered to use another credit card (financial institution) and they told me my membership was already cancelled and they couldnt help me. I am so confused at this point. Payed on time for 10 years straight, good customer, and they dont care one bit. By the way the financial institution that they are referring to is Citibank or Citicard. I would strongly advise not doing business with PG when they cancel your membership due to a decision made with your credit card company, and does not give you any options to continue membership. VERY DISAPPOINTED.

29 people found this review helpful
Customer increased Rating by 3 stars!
Verified Reviewer
Resolution response: Dec. 6, 2015

Just wrote a nasty review and now I'm taking it back. I spoke to Customer Service. They were very nice - too nice. They helped me and refunded me the charges. I felt guilty almost leaving, now I may go back... LOL

Original review: Nov. 20, 2015

I signed up for the service and they gave me 10 days to cancel. If I didn't cancel they would charge me $19.99 per month. I cancelled within the given time and they confirmed it. Then they charged my card anyways. Trying to call them, and I'm on hold forever. They say wait time is 5 mins. and I'm on hold for 20 mins. I don't believe the call is routed to anyone other than a loop recording.

16 people found this review helpful
Verified Reviewer Verified Buyer
Original review: Nov. 16, 2015

Received letter in mail from PrivacyGuard cancelling membership and to call toll free number with questions. I called and was told my institution would not accept any more payments from PrivacyGuard. I inquired if I could use another payment vehicle to keep my membership and was told no. Person on phone did not know why members were being cancelled. I think PrivacyGuard should make a full disclosure regarding the sudden cancellation of members for no reason. Instead of refunding one month of payments they should refund loyal members 6 months or one year of payments.

15 people found this review helpful
Verified Reviewer
Original review: Nov. 16, 2015

I received a letter Nov 5, 2015 stating my credit monitoring would be cancelled in 1 month. No explanation - just a phone number to call. I called and found the person on the other end very unresponsive to questions. He stated the financial institution I pay through have separated ways. I asked why PrivacyGuard could not just start billing me or at least offer. He stated they could not discuss this at this time. He just kept saying sorry, it is going to be cancelled. I had been a member since 2001. I DID look online before calling. Found, the rate of $69.99 I currently pay for 1 year is $19.99 per month online. I DID ask if this was the reason. He was not able to answer. Poor responses all around.

12 people found this review helpful
Original review: Nov. 11, 2015

After 10+ years of being a loyal customer my account is being cancelled because an agreement between PG and my credit card company will no longer be continued. I respect the business decision between the 2 orgs. I do NOT appreciate the fact that PG is not offering an alternative program that would honor and continue my 10+ years' worth of membership benefits. DO NOT USE THIS COMPANY. They do not respect customers.

17 people found this review helpful
Verified Reviewer Verified Buyer
Original review: Aug. 9, 2015

I have used and paid for updates and monitoring through Privacy Guard for over 5 years and had my account unexpectedly cancelled. I had just received a positive update via email so Was quite surprised when I logged in only to be told my acct had been cancelled. The customer service rep on the phone claimed I had been sent 3 letters via snail mail and they had received no response from me so they terminated me. I did not receive the letters nor have ever had to renew my account. Renewal came by paying the credit card bill they sent. The rep did not offer to renew me nor was he concerned about the incident.

16 people found this review helpful
Verified Reviewer Verified Buyer
Original review: June 15, 2015

This is the craziest experience I've ever had! After several weeks, after hearing my account has been cancelled and dealing with the office of the President of PrivacyGuard, I found out that the reason the account was cancelled was because I have an Iowa cell phone number! I'd been a member since 2009 when we moved to Texas. We STILL live there. However, I kept my Iowa cell phone number rather than changing.

When I asked **, in the office of the president, whether they noticed we were from Texas, she said "Yes, but during an audit, it was found that your phone was from Iowa and any residents of Iowa cannot be a PrivacyGuard member." I said, "But we live in Texas." She said, "I know it's confusing." I told her it wasn't, but it WAS ridiculous. My husband also has an account with an Iowa phone number so we asked about that... for some reason, that they couldn't explain, his account is fine. She did say something about an agreement with the state of Iowa as to why people couldn't have an account. Needless to say, I have signed up for a different service, as has my husband. We assumed his would be cancelled shortly! So, discrimination against Iowa phone numbers? :)

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9 people found this review helpful
Verified Reviewer
Original review: Feb. 12, 2015

Don't waste your money and time on Privacy Guard, to monitor your credit histories. I used the service for a few years and last year they automatically cancelled my service, I called them a few times to reactivate my account and after almost two weeks, their response was "your account has been cancelled and you need to reactivate it"!!! It seems they have no idea what they are doing.

19 people found this review helpful
Verified Reviewer
Original review: July 31, 2014

I have been a customer with Privacy Guard since 2000 (14 years!). Last month I received an email, as I do every year, stating that my service was up for renewal and the yearly fee would be charged to my credit card on file. Today I tried to log in, but could not. The representative and later the supervisor I spoke to both said, repeatedly, that my service had been cancelled and that I should do an internet search for companies that offer identity protection services. I was told I was cancelled because they no longer provided the plan I was on. No notice of cancellation, no apologies, no offer to sign me up for another plan, nothing but cold and rude. Very disappointing.

55 people found this review helpful
Original review: July 15, 2014

My brother recently suffered a stroke and I took over managing his affairs. Privacy Guard and ID Secure were both charging him $12.99 and $13.99 monthly to monitor his credit. It's the same company! I informed them they were charging for duplicate services and cancelled both services. They both requested a Power of Attorney which I had and furnished on June 27th 2014. Both companies had the same fax number to send the POA. On June 29th I opened two accounts for my brother in the area I am moving him to. I have received no notice from Privacy Guard or ID Secure. Now they claim I can't cancel service with POA. On July 1, 2014 his account was charged for Privacy Guard. Neither service is doing anything for money collected. I won't have a chance to collect the $1,300 collected fraudulently in duplicate service charges.

38 people found this review helpful
Verified Reviewer
Original review: May 30, 2014

I sign up for a trial offer of $1 for 14 days for my credit report/score with After submitting my credit card information, I was immediately directed to another site called I did NOT receive any confirmation page or email to say I was signed up. The new site wanted all the information again, which seemed very sketchy. I immediately checked my account to find a charge for a $1, a credit for $1, a charge for $1 and again another credit for $1. There was an 800 # on my statement which I called. I was told they could not find any membership information for me or where they charge me. They told me if a charge showed up in the future, call back. One word for this company - SCAM!!!

39 people found this review helpful
Original review: Dec. 10, 2013

Customer support is nonexistent, and the report are always having a system problem.

25 people found this review helpful
Verified Reviewer
Original review: Oct. 18, 2013

This company charged my credit card $139 in May for the yearly fee and when I logged on today to check my credit, they said my account has been cancelled. There was no correspondence as to why and when it was cancelled.

25 people found this review helpful
Verified Reviewer
Original review: Oct. 15, 2013

Received two (2) checks in the mail, wondering if they are even real. Called and learned that my late mother-in-law had been being charged on TWO (2) accounts, but I don't know if she knew it or not, as she was sick for several years before she passed over. I'm almost certain that she did not know of these monthly charges, but I sure PRAY to God (literally) that what the representative told me is true. I cannot give an accurate "rating" right now, not until my husband calls to see if they can reissue the checks in his name. IF they are able to reissue the checks into his name, then that means that prayers will have been answered, as I have several medical issues and cannot eat "normal" food and I take a lot of medicines that sometimes we don't have the money for. I WILL come back and give a different rating, once my husband speaks with them to see what action(s) take place. Hopefully, it will be a 5-star rating.

9 people found this review helpful
Original review: Oct. 7, 2013

I noticed a charge on my checking acct. for $14.99 on my statement. I called my bank and they said I needed to call the company and cancel it. I have never heard of this company, much less signed up for services with them. They gave me the number and name of the company as PRIVACY GUARD. I attempted to call Privacy Guard. They informed me they could not find me and there were too many people with my last name to search for it. Then hung up on me. I immediately called back and was put on hold forever by the next agent. It's funny, they have no trouble finding my bank acct. but they can't find me when I call them. Watch out for them. They rip you off each month and you may not notice for some time.

25 people found this review helpful
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Verified Reviewer
Original review: July 22, 2013

I have been paying $10.99 a month for their service to protect me, not send email alerts with inaccurate information, be unwilling to assist me or refund me for CHANGING MY SOCIAL SECURITY NUMBER and not refunding me for the $1318.80 I have paid over the last decade to be treated like this.

22 people found this review helpful
Verified Reviewer
Original review: July 8, 2013

I was just going over my bank statement and found your company on it with a $16.99 charge on it. I don't remember signing up for anything through your company. I have gotten letters from you in the past and thought they were junk mail - just threw them away. How long have you been charging me this fee for nothing? You need to refund the money that you have stolen from me. Otherwise, I will be calling a lawyer and joining the fight against you that I've seen online about all the millions of people that you are defrauding.

29 people found this review helpful
Verified Reviewer
Original review: June 26, 2013

I received a letter from PrivacyGuard with an attached check for $1,141.13, “enclosed to reimburse you for all of the Membership fees you have paid. The refund check, which is provided by PNC, includes and amount for credit card finance charges or checking account overdraft fees, from your enrollment to the present. Trilegiant will not access any additional fees for your Membership until you fully activate your benefits."

So great, I got a refund check from PNC bank, but the check is not signed! And yes it looks like a real check with security features on the back and proper bank numbers, but it is not signed! SO WHAT GIVES HERE? IS THIS A REAL CHECK?

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38 people found this review helpful
Original review: May 30, 2013

The service costs $15/month and you can only receive an updated credit report once every THREE MONTHS!! So you get your credit report for $15 and have to pay another $45 to get another one, and you have to wait 3 months for it. Privacy Guard is a complete rip-off and I've canceled my service with them.

24 people found this review helpful
Original review: April 13, 2013

I never signed up for this product. My bank (US Bank) auto signed me up for this as a free trial (first month free). After the first month, I called to have this cancelled, yet have been charged every month for the past year (I did not check my billing because I assumed this had been removed). I am so frustrated that I am out well over $200 and did not in any way want this product. This is a total scam. They even change the name of the organization they bill from every month in order to prevent being blocked from payment.

24 people found this review helpful
Original review: April 5, 2013

I noticed today (4/4/13) a credit for $44.97 and $14.99 on my Chase credit card statement. I called Privacy Guard customer service and asked "Joseph" why there were charges and credits from their company on my credit card account. I have never heard of this company before. He asked my name and address. I did not give him my credit card number. He said, "We caught it and reverse the charges." He asked me if I knew. I can't remember the man's name or state he was from. I told him I have never heard of this person before. He told me he recommended I call my credit card company and have my account closed, which I did.

I checked my old Chase statements and found charges for $14.99 on my December, January, February, and March statements. I went online and found the many class action lawsuits against Trilegiant (Privacy Guard) and Chase Bank. I would not have noticed the charges if not for them crediting me. What is going on? I feel violated! This company has been stealing for years and still continuing the same practices. Am I the only one complaining at this time? Please let me know what is going on. Thank you.

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29 people found this review helpful
Original review: Jan. 3, 2013

A "phishing" charge of $1 was charged to my credit card in 10/2012. Unfortunately, I missed it and a $14.99 charge was charged to the same credit card on 12/2012. I neither requested information nor did I authorize any charges from TLG Privacy Guard. It is unethical for a company offering "protection" to commit fraud by doing what they offer to protect.

19 people found this review helpful
Original review: Aug. 4, 2012

I had my identity stolen, but it was caught pretty quickly. I had to get a new debit card, however. When I got the card, I went to the bank (US Bank) to activate it. Apparently, US Bank is associated with PrivacyGuard and automatically enrolled me in the program without telling me or even giving me an option to opt out. So the deduction from my account happened and I called US Bank. They reversed the charge. A month later, they charged me again. When I called to get it reversed, I was told they couldn't reverse it and that I would have to talk to PrivacyGuard. PrivacyGuard was sued in a class action a couple of years ago for these same types of activities and they still continue to do them.

22 people found this review helpful
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Verified Reviewer
Original review: July 2, 2012

I sign up for a trial for my credit report under this company, For the first 30 days, it was for $2.95 after that was to be $14.99. I called before the trial was over and canceled. They keep billing me over and over and over. They refuse to give me the money back for the past 6 months that they have been billing me for.

15 people found this review helpful
Original review: May 10, 2012

Privacy Guard is withdrawing money once a year since 2002 on my Chase credit card. I discovered this lately and when I called Privacy Guard, they said I enrolled in their service using an automated system at an 800 number. I never called them. Besides, they claim I accessed my account information on that 800 number, so I wonder where this account information comes from? Don't we have a confidentiality breach since they have my credit card number and all personal information on file without me providing this information ever? They even sent me a letter claiming this aspect. Apparently, there is a lot of fraud involving "Privacy Guard" and "Trilegiant". Is this the same company? How do we contact the attorney general about that to have such scam ended properly?

16 people found this review helpful

PrivacyGuard expert review by Barbara Friedberg

Privacy Guard is a comprehensive credit reporting, monitoring and identity theft protection service that offers resources to help consumers maintain good credit and repair their credit history.

  • Free trial: Privacy Guard offers a free 14-day trial period that lets consumers check scores and reports for only $1.

  • Three credit bureau: The service provides access and daily monitoring to all three credit reports, Experian, Equifax and TransUnion.

  • Credit score tracking: PrivacyGuard’s Score Tracker plots the member’s Experian Credit Scorex PLUS credit score, which shows how recent credit activity impacts the consumer’s credit profile.

  • Credit score simulator and financial calculator suite: These tools show how a change in payment habits could impact the customer’s overall credit picture and offer ways to reduce debt.

  • Identity theft restoration: Privacy Guard helps identity theft victims restore their identity.

  • Alerts: Part of their service is to notify customers when suspicious activity appears on their accounts.

  • Poor credit: The company works with a variety of customers, even those with negative marks on their credit report.

  • Educational resources: PrivacyGuard offers education on a variety of identity protection, identity theft and credit topics.

  • Best for: Victims of identity theft, consumers with poor credit and consumers who have an upcoming major financial event.

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Barbara Friedberg

Personal Finance Contributing Editor

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Barbara Friedberg, MBA, MS is a former investment portfolio manager with decades of financial experience. Friedberg taught Finance and Investments at several universities. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications.

PrivacyGuard Company Information

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6 High Ridge Park
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United States
(800) 374-8273

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