Complete ID vs LifeLock: Which One is Worth the Investment?

by Calvin Fellows

Topic:  ID Theft

> 2 min read

completeid

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

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

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

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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

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.

Credit Monitoring

LifeLock credit monitoring covers reports and scores from the three credit bureaus to highlight any suspicious variances. You’ll receive alerts if somebody uses your personal information to open a credit, savings, or checking account. 

Identity Restoration

If you lose your credit or debit card, LifeLock can help prevent malicious actors from using it to transact in your name. The service includes US-based support in recovering stolen financial accounts. It also includes up to ID theft insurance of up to $1 million. 

Cybersecurity 

LifeLock employs cybersecurity as a data theft prevention and privacy component of overall ID protection. Three of its plans include Norton antivirus device protection to safeguard your personal information from malware or spyware attacks. The product offers file-sharing site scans, VPN protection, and anonymous browsing to thwart prying eyes. You’ll get timely Lifelock app notifications in case of a data breach. 

Pricing and Plans

Standard

The LifeLock Standard annual plan costs $8.33 per month or $9.99/month if you pay monthly. It doesn’t include Norton 360 security services. 

Select

This plan comes with the Norton antivirus. The annual subscription costs $8.33 per month, while the monthly option costs $9.99 per month.

Advantage

Advantage includes Norton 360 services and costs $16.67/month (paid annually). Its monthly alternative costs $19.99/month. 

4

Ultimate Plus

Ultimate Plus is the most expensive of all LifeLock plans, at $25 per month (paid annually). It also includes Norton 360 services. A monthly subscription costs $29.99. 

Pros and Cons

PROS

  • Comprehensive ID protection service that tracks up to 1 trillion data points daily
  • Includes ID theft prevention with Norton security services
  • Enforces internet/ browsing privacy with VPN services, ad-tracker blocking, and file-sharing site scans
  • ID fraud insurance worth up to $1M
  • ID restoration services with 24/7 US-based customer service
  • Flexible pricing structure with four plans, each with monthly and annually payment options
  • Customizable instant fraud alert system with phone, SMS, email, or push notification options
  • On-the-go access via Android or iOS LifeLock applications with user-friendly dashboards
  • Annual credit reports and VantageScore tracking to flag suspicious financial transactions in your name

CONS

  • The service is comparatively expensive, costing between $10 and $30 per month
  • The Standard plan offers only a handful of ID theft protection features without Norton security
  • Despite sex offender registry tracking, there’s no LifeLock family plan
  • Child identity protection requires a LifeLock Junior subscription at an extra $5.99/month
  • LifeLock plan renewals cost more than first-year subscriptions
  • Second-, third-, and fourth-tier plans lock you into Norton even if you’d prefer another antivirus service
  • The first, second, and third-tier plans offer one-bureau credit monitoring
  • Only the fourth-tier plan includes home title monitoring and 401(k) and investment account activity notifications

Conclusion

Identity theft isn’t always stoppable despite the devastating financial damage it can cause you. But when you receive a timely alert about the misuse of your personal information, you can move swiftly to protect your financial accounts. It’s virtually impossible to manually track every critical data point to spot ID fraud, which is where LifeLock and Complete ID come in.

Complete ID is one of the least expensive ID protection platforms on the market today. It does an excellent job in key identity protection areas, including monitoring criminal records, sex offender registries, the dark web, and your financial accounts. Its three-bureau credit reporting and score tracking services meet industry standards. Just like its rivals, Complete ID offers ID restoration support and insurance protection to cushion ID fraud victims from financial loss.

LifeLock does exceptionally well in those areas, and it stands out in critical aspects, including the extensive coverage of personal data points. The product’s cybersecurity services minimize your exposure to ID theft, which can save you time and money.

LifeLock may be the more expensive product here, but its comprehensive suite of identity protection features is worth the investment. Start your LifeLock membership today to protect your financial future.


About the Author

Calvin Fellows is a former military security agent and police detective who headed security administration. Calvin is experienced and knowledgeable in all avenues of personal and corporate security, and is dedicated to educating people on how to preempt any physical or cyber security attacks before they happen.

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