Sorry for the late reply Joseph but we just got around to reviewing Zander.

In summary, its main strength appears to be the resolution services with unlimited help but their identity theft coverage is only $20,000. Every major service offers a million. There is no credit monitoring, no scanning of public databases, no other protection except helping you use free consumer services like the Do Not Call registry.

There really isn’t any comparison to Identity Guard.

Any thoughts about which is best?

Thanks,
Joseph

As for Identity Guard the reporting and updates are incredible. Practically real-time! Plus you can see your credit score, not overly necessary but it is there. You can see who is requesting info on you, but it does lack some stuff. The Free Antivirus and Keylogger is a gimmick. Your Broadband provider most likely gives you free Antivirus and what not…comcast now uses Norton Security Suite…based on Norton 360. It is decent and free for up to 5-7 PCs as long as you are a customer. Verizon, SBC/ATT, Cox, Time Warner all offer a free security suite as well Some from Trend, McAfee or CA…even Microsoft now offers Security Essential for free. It’s not the best but it does the Job.

LifeLock claims to do Fraud Alerts which once again you can do yourself. Their service seems to be the center of tons of controversy…to the point were many believe you can do as much as they do for free yourself. They do cover the liability if it does happen to you but at what expense. I believe you are paying for a $1 Million insurance policy that will never pay out what it claims…they all offer this now too. It is a joke considering by law if someone uses your credit card you are liable for no more than $50…and most banks as well as Credit Card companies wont even stick you with that fee! Even with Command Center I am a little skeptical. They are 24×7 and they offer ID recovery service not just assistance…this is a big difference between all other. Is it hard to call your bank, credit card companies…no but getting a new SS can be a little bit of a pain. You will also have to go to the DMV if you lose your wallet no matter who’s service you have.

TrustedID is a good service for a family. It is cheap and they offer an option (For a Cost) what is called CreditLock no one else has this. This is probably the single worth while service out there. This puts protection such as someone being able to run credit, open a loan, credit card or what not on complete lock down…no access what so ever…including for yourself. You have to call them to have it unlocked (for a Fee) and they unock it for a period to allow you to open up or do what you have to then lock it back down entirely! It is pretty cool and damn near bullet proof!

As for policing the internet, in blackmarket chat rooms and so on. They all use services like Credit Cop which as I stated police chat rooms, message boards, and P2P sharing.

I too am looking for something that covers both my spouse and me.

Your Privacy Guard plan is attached to your social security number. If you are the primary account holder on the cards you and your wife share, you’re covered. Often credit card companies will offer additional cards for a spouse or partner based on the account holder’s credit profile.

But you are correct your wife’s credit profile is not covered. Her use of your cards may be protected but nothing is preventing an identity thief from victimizing her information.

Is this what you’re asking?

Am I correct in saying that I am only partially protected since my spouse and I utilize the same credit cards and she does not have Privacy Guard?

Scott