Pulling your credit rating does not impact your credit score  
Identity Guard
 
Our Review
With identity theft being the number one crime in America, Identity Guard is definitely a service that we recommend first for protection, and our #1 pick.

The Facts
If you are not concerned about identity theft, this credit service also provides free credit scores from all 3 credit bureaus for 30 days on a trial basis. The credit score is also very easy to read and understand.

Key Benefits
• Free credit scores from all 3 credit bureaus.
• Daily internet monitoring of chat rooms and financial black markets. These particular markets are known to be frequented by identity thieves for your credit cards, social security numbers, and bank accounts.
• Secured access to your personal data and financial accounts from your web-enabled PDA or cell phone with MOBILE LOCKBOX.
• Daily monitoring for credit applications in your name.
• Email alerts of changes your need to verify and instructions on what to do with these types of changes.
• FREE- Award-winning anti-spyware, antivirus and firewall software. Free for the life of your Identity Guard enrollment.
• Lost Wallet Protection-with one call help to cancel all your credit cards.
• Up to $1,000,000 identity theft insurance protection, with a $250 deductible at no additional cost to you.
• Dedicated Identity Theft unit that help you through the recovery process if you become a victim.
• PRIVACYPROTECT software to help stop keyloggers from stealing your personal information by encrypting every keystroke while you are on the internet

Trial Period and Cancellation
 
This offer is a 30 days on a trial basis. You may cancel at any time, but if you do not cancel within 30 days of placing your order you will not be entitled to a refund.

Downside
This product is very comprehensive, however we see no donwnside for the user.

Summary
As you can see this service is full of added features to help you stay on top of your personal credit rating. The credit scores are based on the CreditXpert scoring system. This system is not as popular as Fair Isaacs FICO scoring system, but it will give you a general idea where your scores stand. This subscription will also include credit analyzer software that will allow you to run different scenarios to increase your credit score. Identity Guard will give you access to your credit scores every 3 months. This product is our number one pick for over all protection and tools to help you be a educated consumer about your credit.

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