Many credit monitoring and identity protection products on the market today have decided to address the problem of credit theft. Trilegiant is one such offer. On paper, it certainly makes sense. After all, credit theft is a terrible problem faced by modern society. As we advance in a digital age, predators of our credit get more advanced. Products like Trilegiant that focus strictly on preventing credit theft and credit monitoring have become very popular. The alternative approach to the identity theft issue would seem to be a combination of prevention with the added value and ability to correct issues as they arise. So which approach to identity theft works best?
Their program, Privacy Guard, starts with a $10,000 Identity Theft Expense Reimbursement Insurance program and is based on the premise that managing your credit gives you the tools you need to fight credit theft on your own. While they also provide credit alerts within 24 hours of critical changes, we find this approach to be a lot less substantial than most identity theft offers on the market today. Unfortunately, Trilegiant neither works to prevent identity theft from occurring, nor do they offer any services to help you correct fraud once it happens.
Trilegiant offers three basic services. Credit alerts that help identify if fraud has occurred, access to your credit reports, and a guide to interpreting your credit report. The Trilegiant program is tailored specifically to monitoring your credit. But they've spent little time to build a solid product that assists their customers in correcting issue when they happen, and even preventing theft from occurring in the first place. They also offer a Credit Information hotline with staff to help you understand your credit report, however, most similar programs offer trained identity theft specialists to help eliminate occurrences of identity theft.
• They offer the ability to try their product for 30 days almost free before you purchase.
• Website offers an automatic signup process.
• The program only cost $14.99 per month.
• Trilegiant only offers ID theft insurance for up to $10,000, while many programs offer upwards of $1,000,000 protection plans.
• Trilegiant lacks a lot of the basic services we've seen in many other identity theft offers on the market.
• Trilegiant offers a do-it-yourself approach to correcting identity theft once it occurs.
The Bottom Line
So is Trilegiant really the best identity theft system out there like they claim to be? We’d like to believe, but if it was really that great wouldn't everyone be using it? We’d like to see some more identity protection and less simple monitoring before we get that excited about this product. For more than $200 per year, we'd also feel more comfortable with more robust identity theft recovery services along with their monitoring plans.
Click here to visit the Trilegiant website
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