Costco Complete ID vs ProtectMyID: Choose the ID Security for You

by Keith Morris

Topic:  ID Theft

> 2 min read


This tool offers credit monitoring, identity theft protection, fraud dispute resolution support, and it’s available to Costco members only. It offers financial account, dark web, and court record scanning services in addition to fraud dispute resolution support.

  • Real-time identity fraud alerts
  • Flags illegal use of your name, SSN, etc.
  • Offers identity restoration service
protect ny ID

ProtectMyID is the cheaper and more family-friendly option when you consider your budget and supported features. Its highest-tier pricing plan includes child protection for up to 10 kids at no extra costs to flag any misuse of your kids’ personal information.

  • Has a free option with basic ID theft protection features
  • A family-friendly child protection tool
  • Provides identity theft alerts via SMS or email

It’s fairly easy for bad actors to access personal data that we share online, making identity protection more critical today than ever before. Without safeguarding your identity, you remain vulnerable to imposter scams that could significantly hurt your finances.

According to the Consumer Sentinel Network, over 3.2 million people were fraud victims in 2019, and 20% of them (650,572) were identity theft cases. A robust identity protection tool monitors all activity or financial transactions related to your personal information, and it alerts you in case of a breach.

To learn about the best ID security tool available online, check out this comprehensive Complete ID vs. ProtectMyID review.

Complete ID vs. ProtectMyID : Comparison






  • Costco members
  • AAA members

Identity Protection

  • Payday loan monitoring
  • Dark web surveillance
  • SSN Monitoring
  • Neighborhood watch
  • Criminal records monitoring
  • Child monitoring
  • Financial account takeover services
  • Personal information monitoring
  • Social media monitoring
  • Mail change notifications
  • Payday loan monitoring
  • Dark web surveillance
  • SSN Monitoring
  • Sex offender monitoring
  • Court records monitoring
  • Child identity monitoring
  • Bank account takeover services
  • Personal information monitoring
  • Social media monitoring
  • Change of address notifications

Credit Monitoring

  • Credit/debit fraud alerts
  • Experian, TransUnion, and Equifax credit monitoring/reporting
  • Monthly Experian VantageScore updates
  • Annual TransUnion and Equifax VantageScore updates
  • Synthetic identity fraud surveillance
  • SSN ID theft monitoring
  • Credit freeze with the three bureaus
  • Credit/debit fraud alerts
  • Dormant credit card surveillance
  • Experian, TransUnion, and Equifax credit monitoring/reporting
  • Monthly Experian VantageScore updates
  • Annual TransUnion and Equifax VantageScore updates
  • Identity fraud surveillance
  • SSN ID theft monitoring
  • Experian CreditLock
  • Credit freeze with the three bureaus

Identity Restoration

  • 24/7 support
  • Restoration specialist
  • Lost wallet replacement
  • Fraud resolution support
  • ID theft insurance of up to $1M
  • 24/7 customer support
  • Lost wallet protection and recovery
  • Fraud resolution support
  • Identity restoration specialist
  • Up to $1M in ID theft insurance



  • Dark web monitoring to alert you in case bad actors are selling or buying your personal information
  • Neighborhood watch to notify you of sex offenders living in your neighborhood
  • SSN monitoring alerts you if somebody attempts to use your SSN information fraudulently
  • Payday loan monitoring sends you notifications when somebody opens a credit line in your name
    Child monitoring to protect your children from identity theft
  • Court record criminal monitoring in case of legal action filed in the court system using your ID
  • Credit report monitoring from the 3 credit bureaus Experian, Transunion, and Equifax. These reports keep you up-to-date on how financial activities or transactions affect your credit.
  • Both offer monthly VantageScore updates, letting you see the scores based on which some banks assess your creditworthiness
  • Financial accounts take-over alert you whenever a bad actor opens a new bank account in your name
    Identity theft insurance worth up to $1 million to cover losses and damages you may incur as an identity fraud victim
  • Identity restoration services to help you recover your stolen ID. Both offer you a restoration specialist to help with investigations and legal aspects of ID recovery. Their wallet restoration service covers credit cards, medical cards, and debit cards, etc.


  • You have to be an AAA member to sign up for a ProtectMyID plan, while only Costco members may use the Complete ID tool
  • The 2 Complete ID pricing plans don’t include child protection, so you have to pay extra for this feature. The highest-tier
  • ProtectMyID plan comes with child protection with no additional costs.
  • ProtectMyID has a free plan, while the two Complete ID plans are premium
  • Complete ID has an iOS and Android app, enabling you to receive alerts while you’re on the move. ProtectMyID only offers a web-based portal from which you can enjoy ID protection services.
  • With ProtectMyID, child protection covers up to 10 children, but Complete ID covers a maximum of 5 minors
  • Unlike ProtectMyID, Complete ID doesn’t provide text message fraud alerts
    Complete ID is slightly more expensive than ProtectMyID, without considering any differences in AAA and Costco membership costs
  • ProtectMyId offers credit freeze services and CreditLock, an Experian service, to secure your credit account. Complete ID offers security freezes only, which must be activated and handled at each of the three credit reporting bureaus
  • You can sign up for your favorite ProtectMyID plan via the Experian website and AAA’s ProtectMyID portal. Complete ID has a dedicated site for the sign-up process

Complete ID Features and Services

Identity Theft Protection

This tool tracks over 500 million criminal records, including incarcerations and court cases, alerting you if your name appears in any such files. It monitors the dark web and flags any illegal buying or selling of your personal information. With neighborhood watch, you get alerts if a sex offender lives near you, while payday loan surveillance alerts you if a third-party illegally opens an account with your name.

Credit Monitoring

Changes in your credit score should reflect your financial activity. But these can also be a sign that somebody is illegally using your name to borrow money, which is why credit monitoring is necessary. Complete ID tracks your Experian, Transunion, and Equifax credit reports and alerts you if a bad actor misuses your personal information. 

Identity Restoration

Once you’ve discovered that somebody is illegally using your personal information, you need to stop them quickly and prevent further damage. Complete ID takes the necessary action on your behalf, including handling the paperwork and freezing your credit lines. A specialist liaises with relevant authorities, agencies, and organizations to protect your bank account, seek legal redress, or report SSN misuse. It usually takes about two months to recover your identity this way. 

Plans and Pricing

You may subscribe to one of the Complete ID pricing plans based on your Costco membership type. Its price structures cover all identity protection features except child protection, which requires a separate subscription. 

Executive Membership

Executive members pay $8.99 per person per month. To include child monitoring, you have to pay an extra $2.99 per month for a maximum of five children, converting the package to a Complete ID family plan.

Business and Gold Star Membership

Business and Gold Star members pay $13.99 per month per person to enjoy Complete ID identity protection. It costs an extra $3.99 per month per five children to include child identity theft protection in this plan.

Pros and Cons


  • Complete ID offers comprehensive credit report monitoring that covers the 3 credit bureaus, namely Experian, TransUnion, and Equifax
  • Its real-time alerts enable you to quickly make an informed move to limit or stop damage to your finances or reputation
  • Complete ID includes identity fraud insurance coverage plans of up to $1M to facilitate
    financial recovery when you fall victim to identity fraud
  • Complete ID app notifications enable you to stay on top of your credit score and financial account security
  • Offers extensive identity theft protection services, including payday loan, credit, and court records monitoring and child protection
    Inexpensive compared to rival products


  • Complete ID is only available to Costco members, so if you’re a non-member needing identity protection, you’ve got to look for an alternative
  • Complete ID plans require a separate subscription for child protection services, which may disadvantage you if you need the option available at no additional cost
  • Complete ID’s fraud alert system doesn’t include text message notifications
    Child protection service covers only 5 children
    A sub-par mobile app experience
  • Doesn’t include Experian CreditLock, which lets customers control access to their Experian credit files
    Complete ID doesn’t offer a free plan. The 30-day trial version is the only way to explore the service before you start paying.

ProtectMyID Features and Services

Identity Theft Protection

ProtectMyID offers a host of identity theft protection features to protect you and your family from ID fraud. The service alerts you in real-time via text or email if somebody opens a new financial account using your name. You’ll get similar notifications in case other names or aliases associated with your SSN come up.

It also tracks court records to flag any criminal linked to your personal information. ProtectMyID keeps tabs on the dark web to ensure that bad actors are not illegally stealing and selling your personally identifiable data. The service also includes child protection and sex offender monitoring.

Credit Monitoring

ProtectMyID credit monitoring tracks the three credit bureaus to keep you informed on the impact of your financial activities on your credit. The service alerts you of any credit limit changes or improvements and tracks your VantageScore to report your creditworthiness. 

Fraud Resolution Assistance

ProtectMyID can help you with identity restoration if you think there’s been fraudulent use of your personal information. The company gives you an agent to guide you through the entire fraud resolution process. It has your credit files frozen and engages lenders to dispute charges if necessary. 

Pricing and Plans


This plan is available to AAA members for free. It includes ID security basics, including credit monitoring, identity resolution support, Experian credit reporting, and lost wallet protection.


This plan costs $10.95 per month per member. You can pay an extra $3.95 per month to get a ProtectMyID family plan covering up to 10 children. It offers credit monitoring, identity theft protection, and fraud resolution support.


This comprehensive ID security package costs $15.95 per month per member. The plan includes child monitoring services, so you don’t have to pay any extra fees for it.

Pros and Cons


  • ProtectMyID offers all-around protection against identity theft, including performing extensive scans for data breaches
  • Instant fraud updates via SMS or email enable you to initiate remedial action and minimize potential damage when you’re a victim of ID theft
  • Its free plan lets you explore basic identity protection features before you may consider upgrading
  • All plans include insurance options worth up to $1 million to cover any impact of identity theft
  • Their exclusive Experian CreditLock service lets you control access to your
  • Experian credit information
    It offers more family-friendly plans, with child protection covering up to 10 minors
  • The product is relatively inexpensive


  • ProtectMyID subscriptions are only available to AAA members
  • There’s no ProtectMyID app to deliver identity fraud alerts via your smartphone’s push notifications when you’re traveling
  • Without features like dark web and court records scanning, ProtectMyID’s free plan offers weak identity theft protection and doesn’t let you sample all critical identity protection features
  • Only the Platinum plan includes child protection. You have to pay extra fees to protect your family with their second-tier plan
  • Provides only basic personal information protection unlike leading industry rivals
    The services could do with additional SMS and email fraud notifications
  • ProtectMyID gives you an underwhelming web-based user experience

Read more about ProtectMyID reviews


protectmy ID

We’re all at risk of identity theft, provided that we’re sharing our personal information online and executing financial transactions. While you can’t always prevent bad actors from stealing and misusing your names, SSN, and other data, you catch them in the act with tools like Complete ID and ProtectMyID.

Both are Experian ID security tools. Each offers a similar range of services and features, including dark web, court record, credit, and payday loan monitoring. They track credit reporting by the 3 credit bureaus and include child protection, fraud resolution support, and identity theft insurance in their offerings.

The critical difference is in the pricing plans and coverage. Complete ID’s third-tier plan costs about $18 per month per person (plus up to 5 children) when you include child protection. For the same ID security and credit monitoring features, including child protection for up to 10 kids, ProtectMyID costs about $16 per month per person.

ProtectMyID has a free plan with limited identity theft safeguards. Comparing the products, you may notice that ProtectMyID offers more for a little less. If you’re looking for affordable, high-quality identity theft protection, select ProtectMyID because it’s the cheaper and more family-friendly option. Sign up for ProtectMyID right away to protect you and your family from identity fraud.

About the Author

Keith Morris is a 20+ year veteran of the security game, with the knowledge and experience to set you on the right track toward personal safety and security. His firm is committed to giving you the tools and know-how to combat any threat to your safety.

Last Updated on