Complete ID vs LifeLock: Which One is Worth the Price |

Complete ID is an inexpensive identity protection tool that spots any fraudulent activity affecting your credit score and financial health. It includes identity restoration assistance to help you reclaim your stolen ID and recover any lost cash.

Flags personal information misuse by fraudsters
Alerts you to account takeovers or credit card fraud
Restores your financial accounts and status

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LifeLock is the superior product here, with its extensive coverage of personal information (scans 1 trillion data points daily). It offers Norton device security to thwart personal data theft and prevent ID fraud.

Optimal ID theft protection
Secures your data and browsing privacy
Flexible pricing structure

The persistent identity theft threat makes it vital to track your financial transactions to spot any bank account or personal information misuse. Clues that someone may be misusing your financial information include unexplained bank account withdrawals or an inexplicable poor credit score. Without trusted identity protection services, you can easily miss such clues and suffer devastating damage.

In this Complete ID vs. LifeLock review, we’ll assess the most important features these tools offer to protect your personal information from fraudulent use. It’s a lot easier to pick the better product after evaluating its strengths in core areas like cybersecurity, credit monitoring, and ID theft protection.

Costco Complete ID vs. LifeLock: Comparison

WHAT YOU GET	Complete ID	LifeLock
Pricing	We Recommend Identity Guard	CHECK LATEST PRICE
Coverage	Costco members only	Open to All
Identity Theft Protection	Criminal Record Monitoring Dark Web Surveillance Neighborhood Watch SSN Monitoring Financial Account Monitoring Payday Loan Monitoring Non-Credit Information Monitoring	Notifications on Crimes Committed using Your Name Dark Web Monitoring Sex Offender Registry Tracking SSN Tracking Financial Account Tracking Change of USPS Address Alerts Privacy Monitor Home Title Monitoring 401(k) and Investment Account Monitoring ID Verification Monitoring
Credit Monitoring	Experian, TransUnion, and Equifax Credit Monitoring Credit Alerts 3-Bureau Annual Credit Reports Experian VantageScore tracking TransUnion/Equifax VantageScore reporting SSN ID Theft Tracking Synthetic ID Fraud Tracking Debit/Credit Card Fraud Reporting	3-Bureau Credit Reports Credit, Checking, and Savings Account Monitoring Fictitious Identity Flags Annual Equifax, Experian, and TransUnion VantageScore Updates Monthly Equifax VantageScore Updates Bank Account Takeover Warnings
ID Fraud Recovery	Fraud Dispute Resolution Support Specialist support/guidance 24/7 Call Center Support Lost Wallet Recovery Identity Theft Insurance of Up to $1M	ID Restoration Support Stolen Wallet Protection Up to $1M ID Fraud Insurance 24/7 Customer Support ID restoration Specialists
Identity Theft Protection	N/A	Norton Data Breach Alerts File-Sharing Network Scans Device Security VPN Service
Latest Offer	We Recommend Identity Guard	CHECK LATEST OFFER

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Similarities

Both of the products offer court records monitoring to alert you when somebody commits a crime in your name
Provision of annual credit reports from Equifax, Experian, and TransUnion
Annual VantageScore updates to alert you to any suspicious credit score patterns
SSN monitoring just in case somebody associates your SSN with their name or address
Stolen wallet recovery in case you lost critical documents, including your driving license or passport
Up to $1 million in ID fraud insurance to compensate you for stolen funds, personal expenses, or legal fees
Dark Web scanning to alert you to any fraudulent sharing or exchange of your personal data over the internet
USPS address change tracking to let you know if a fraudster tries to reroute your mail to a different address to access personal information like your credit card number or SSN
Identity recovery support, including help disputing credit card charges, filing charges in court, and reclaiming your financial status
Financial account/activity monitoring to spot any suspicious transactions by fraudsters
Financial account takeover warnings if somebody attempts to steal your credit, savings, or checking account
State sex offender registry scans to keep you informed on individuals in your neighborhood that could hurt your family

Differences

Anyone can buy a LifeLock ID security plan, but only Costco members are eligible for Complete ID subscriptions
LifeLock integrates cybersecurity with identity theft protection while Complete ID doesn’t
LifeLock offers Norton antivirus security for multiple devices, including PCs, tablets, and smartphones, to minimize the risk of identity theft through malware infestation. Complete ID doesn't have this feature.
LifeLock includes a VPN to let you browse anonymously, while Complete ID doesn’t
LifeLock has a file-sharing network scanner, while Complete ID doesn’t include it
Complete ID includes monthly Experian VantageScore updates. Lifelock bases your monthly VantageScore credit rating on Equifax data
Lifelock offers cloud-based data backup services just in case you lose your data. This feature is unavailable on Complete ID
Lifelock includes parental control to protect your child from the dangers of the web. Complete ID doesn’t offer web access restrictions
Complete ID doesn’t send text notifications, but LifeLock does
LifeLock uses VPN technology to protect your personal information on public Wi-Fi, while Complete ID doesn’t
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Lifelock is more expensive than Complete I
LifeLock offers up to 4 price plans, giving you more options to protect your identity against fraudulent use, while Complete ID only has two
LifeLock includes an ad-tracker blocker to minimize your exposure to sensitive data theft

Costco Complete ID Features and Services

Identity Theft Protection

Complete ID identity theft protection lets you quickly notice when somebody uses your personal information to commit fraud. The platform notifies you when a fraudster opens a new credit line or bank account using your name to prevent or minimize financial loss. It includes SSN, dark web, and court records monitoring to protect you from the hefty price of identity fraud.

Credit Monitoring

Complete ID credit monitoring is an effective way to detect any fraudulent use of your credit lines, including credit cards. The service informs you when your credit score is suspiciously declining based on your monthly Experian VantageScore, enabling you to initiate investigations and pursue legal/financial redress right away. You receive real-time fraud alerts via email or push notifications to stay ahead of identity fraudsters.

Identity Restoration

Complete ID provides experts to advise you on due identity restoration processes if you’re an ID fraud victim. A U.S-based specialist works closely with you and relevant authorities, including the police and banks, toward resolving your ID fraud dispute.

When you need to report and stop further SSN misuse, these experts handle the necessary paperwork and phone calls. They also help with the reversal of fraudulent financial accounts takeovers and insurance compensation for all your ID theft damages and losses.

Plans and Pricing

Executive

Costco members may sign up for any of the 2 Complete ID plans. If you’re an Executive member, you pay $8.99 per month to access ID protection services. This plan includes critical services like Complete ID app notifications and personal information/credit surveillance. But child protection requires an additional subscription costing $2.99 per month for up to 5 children.

Business and Gold Star

The Business and Gold Star package costs $13.99 per month per person. The plan covers all Complete ID services, including credit monitoring, identity theft surveillance, and fraud resolution support. Child protection costs an extra $3.99 per month for up to 5 kids.

Pros and Cons

PROS

Free annual credit reports from the 3 credit bureaus, namely Experian, TransUnion, and Equifax
Up to $1M in fraud insurance compensation for lost earnings, lawsuit costs, and credit expenses
Extensive range of personal information tracking features, including court records and financial accounts tracking
An inexpensive option for critical ID theft and credit monitoring services
US-based, 24/7 identity restoration support and legal counsel
Instant fraud alerts via email and mobile push notifications
Complete ID mobile app for Android and iOS with secure logon, including fingerprint authentication option
Ability to track your personal information changes on the go via your smartphone

CONS

They don’t have an out-of-the-box Complete ID family plan
Child protection requires an extra subscription, which costs more per month
Only Costco members may join Complete ID, and that adds to overall subscription costs
Lacks cybersecurity features like antivirus protection
No web browser privacy or file-sharing protection
You can’t receive fraud alerts via SMS on the ID theft protection platform
The identity protection approach is more reactive than preventive
Its 2 subscription plans don’t give you a lot of pricing or feature options
The Complete ID app experience is a little subpar
No VPN protection when connecting to public Wi-Fi

Costco Complete ID Competitor:

Costco Complete ID and Identity Guard

LifeLock Features and Services

Identity Protection

LifeLock identity protection is one of the most extensive on the market, tracking items like criminal records, home title, SSN, and address change. They also monitor the dark web and 401(k) and investment accounts to flag any fraudulent use of your personal information. The service protects your children by tracking your state sex offender registry and warning you of imminent danger.