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Update: This service is no longer available. You can find a current list of identity protection companies here.


Maintaining a high credit score is vital to saving tens of thousands of dollars on future car and home purchases and the first step into working towards high credit is knowing what your current credit looks like. Unfortunately, finding your credit score at a reasonable price can be difficult because the government only allows for free credit reports through AnnualCreditReport.com, not credit scores. IDENTITY GUARD Credit Protect X3 has a good low cost trial $3) offer available at 30 days and I’ve taken an extensive look at whats offered.

Signing up for the 30 day trial from IDENTITY GUARD is a very painless process, finished in three steps.

  • Step 1 – Enter your personal and contact information including name, address, phone number, email address, birthday and social security number.
  • Step 2 – Enter your credit card information.  This step helps to confirm your identity as well as bill you for future months if you do not cancel within the 30 day free trial period.
  • Step 3 – Confirm your identity by answering four questions only you would know.  If you fail to answer any of these questions, you will be asked a few more.  Get those wrong and you will not be able to check your credit scores for free with IDENTITY GUARD Credit Protect X3.

Once you’ve completed your registration, you’ll have 30 days, risk free to check all three of your credit scores which come with specific details AND identity theft protection to help you understand how your credit score is calculated. The cost for the 30-day trial is just $3.

After logging in, you’ll be directed to a landing page with a ton of information at your disposal.

The very first thing that pops out are your three credit scores.  You’ll notice in this example the wide variance between credit bureaus and that happens more often than you might think.  When checking your credit report, it’s important to make sure that all three credit bureaus (Experian, Equifax and TransUnion) have accurate information on them.  A 90 point range means that not everyone is on the same page and it’s your job to figure out what information is correct and contact your creditors to fix them.

Moving on from the credit score section of your 30 day free trial from IDENTITY GUARD Credit Protect X3, members will also be provided the opportunity to protect their identity.  If you so choose, you can enter your credit card and bank account information and an alert will show in your account anytime a change is made to one of your accounts.  Unfortunately, there are a few services which you will not have access to during your free trial, like an ID Risk Assessment, however if you decide to continue your subscription (at $14.95 per month), you will be granted permission to those services.

Understanding your credit score is crucial in making responsible financial decisions and IDENTITY GUARD does a great job in giving you not just one but all three.  Creditor contact info is always just a click away so when you need something fixed, it won’t take forever to dig up a phone number.  $15.99 is a solid price to pay for not only credit score monitoring but also identity theft protection and to sign up for the 30 day trial, visit the IDENTITY GUARD official website.

Author Bio

Total Articles: 113
After amassing more than $255,000 in debt on a math degree from the University of Miami, Michael now enjoys spending time at home and writing about personal finance.