Updated 2026-02-15 · 4 min read
Identity Guard costs $8.99-29.99/month ($107.88-359.88/year). It monitors your credit, social security number, and dark web for identity theft. But here's the uncomfortable truth: monitoring only tells you AFTER someone steals your identity. A free credit freeze PREVENTS it entirely.
Identity Guard requires a phone call to cancel. You can't cancel online. Hours: Monday-Friday 8am-11pm ET, Saturday 9am-6pm ET.
| Approach | Cost | What It Does |
|---|---|---|
| Identity Guard (monitoring) | $108-360/yr | Tells you AFTER identity theft happens |
| Credit freeze (prevention) | $0 (free by law) | PREVENTS new accounts from being opened |
| Credit Karma (monitoring) | $0 (free) | Free credit monitoring + alerts |
Credit freeze (free) + Credit Karma (free) + bank alerts (free) provides better protection than any paid monitoring service. Identity Guard charges $108-360/year to watch for theft after the fact. Prevention beats detection every time. Cancel and freeze.
Identity Guard, LifeLock, Experian, Norton — upload your bank statement to find overlapping protection.
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