Identity Guard 3 in 1 report promo running

[macahs]

Buyer beware..

This company may not be the solution you're looking for and just wanted to share my experience in case anyone else was scratching their heads w/ questions.

I had several screens pulled up on my notebook last night- trying to compare the different products people had to offer for a 3 in 1 report w/ scores and monitoring.

Identity Guard seemed to have what I was looking for. They're offering 3 months of a 3 in 1 report w/ all 3 scores and credit monitoring for $24.99 and then $12.99/mo thereafter.

I tried to find out if I could dispute online through them w/ all the inaccuracies I knew there would be. Looking back it seems to be a pretty stupid question (have to go to the CRA directly for that, now I know) but I wasn't too sure last night.

The 3 months I assumed (that's where I went wrong) you would be able to view an updated report for each of those months. NOPE. All the 3 in 1 (and score) does for you is give you each report once for those 3 months but unlimited access online to view them. The only thing it did offer was the monitoring which would e-mail you w/in a few days of any changes made to your reports.

This may be a good solution for some but for others (like myself) - it was a total waste of money that I cannot get refunded. I basically spent $50 last night to view the same report for the next 3 months. What good does that do me??? I'll get the monitoring but really - I would have much rather known all of this ahead of time and NOT spent the money on this company. I would have paid the little extra to go w/ each bureau so I could have the convenience of an updated report every month w/ updated scores and monitoring.

So, long story short (as it never is with me)...

Identity Theft does NOT:

Give you updated monthly reports, only a one time 3 in 1 that you get to view unlimited for the next 3 months (big deal, IMO)

- Same deal w/ scores - it's a one time thing for the whole 3 months

Identity Theft DOES:

Have daily monitoring, which is pretty much what you're paying for (again, IMO)

Provide a quarterly report that shows all the changes made to your report from the first one you received from them. This I actually do think is a great idea but my problem is - I have no time to wait 3 months for something like this - it's not worth the money, I can do that on my own.

The lady I spoke with did say she'd refund my money if I went to a local Cosco store and purchased the monthly one through them (it's Identity Guard's product sold only through Cosco I guess).

I really think they did a poor job advertising their product and I'm wondering if I should call my back to dispute the charges? I know I did receive my report but the fact it really does nothing for me (other than I got to see what my scores were) kind of ticks me off.

Alright, I'll get off my soap box.

[lrprn]

Buyer beware..

Thanks for the update about this company, macahs. This way everyone here will have the full picture if they do a search and can make an informed decision about what is best for them.

[macahs]

If there's a 3 in 1 that actually allows you to see an updated report during those 3 months, I would think that's a much more adventageous route to go. Same w/ the scores.

I really do not understand why they think 3 months of looking at the same initial report is going to help anyone??? I'd rather pay the $24.99 for the initial month and pay the $12.99 a month thereafter and actually get my current report and scores. Hmm, maybe I'll call back and ask if they can do that - I can't see why not? I honestly think it's very shady that they don't make it clear what you're actually getting for those 1st 3 months.

Lesson learned.

Thanks for the update about this company, macahs. This way everyone here will have the full picture if they do a search and can make an informed decision about what is best for them.

[macahs]

Quick update.

I had to order a TransUnion this morning and when I got the report, it was completely (well, you know what I mean) different than Identity Guard's version of TransUnion's report. I called them and was told a supervisor would have to call me back w/in 24 hours (yeah right) to talk with me.

I already called my bank and they faxed the dispute form I need to fill out. It's only $25 per report but it's the point of it. Not only are they not upfront about the fact the 3 months you get for $24.95 are NOT updated, their version of the reports aren't matching up w/ the real ones. Lousy business if you ask me.