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

By Calvin Fellows

Topic:  ID Theft

December 23, 2021

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.

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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

Difference
Subscription
  • Anyone can buy a LifeLock ID security plan
  • Only Costco members are Eligible for Complete ID subscriptions
Data Theft Prevention
  • Integrates Cybersecurity with Identity Theft Protection
  • Has No Cybersecurity
Antivirus Security
  • Offers Security for multiple devices(PCs, tablets, and smartphones), to minimize the risk of identity theft through malware infestation
  • Does not have this Feature
VPN
  • Protects your Personal Information on Public Wi-Fi
  • lets you browse Anonymously
  • Has a File-sharing Network Scanner
  • Does not Have any of these Features
Credit Monitoring
  • Bases your monthly VantageScore credit rating on Equifax data
  • Includes monthly Experian VantageScore updates
Parental Control
  • Parental Control to protect your child from the dangers of the web
  • Sends Text Notifications
  • Doesn’t offer Web Access Restrictions
  • Doesn’t Send Text Notifications
VPN
  • offers up to 4 price plans, giving you
  • More Options to protect your identity against fraudulent use
  • Only has 2 price plans
Ad-Tracker Blocker
  • Minimizes Exposure to Sensitive Data Theft
  • Does not have this Feature

Similarities

Similarities
Credit Monitoring
  • 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
  • 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
Insurance
  • 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
  • Integrates Cybersecurity with Identity Theft Protection
  • Identity recovery support, including help disputing credit card charges, filing charges in court, and reclaiming your financial status
Web Security
  • 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
  • Integrates Cybersecurity with Identity Theft Protection

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. 

Pros and Cons

Description
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
  • 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
  • The Complete ID app experience is a little subpar
  • No VPN protection when connecting to public Wi-Fi

Plans and Pricing

$8.99 /month
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. .
$13.99 /month
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.

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Lifelock Features and Services

norton lifelock logo

LifeLock 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.

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

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.

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. 

Pros and Cons

Description
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

Plans and Pricing

Select
Advantage
Ultimate Plus
Price
Price
Select
$8.99 /month
$107.88/year
Advantage
$17.99 /month
$215.88/year
Ultimate Plus
$26.99 /month
$323.88/year

Conclusion

norton lifelock logo
  • 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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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.

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* The score you receive with Identity Guard is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your TransUnion credit file. Lenders use many different credit scoring systems, and the score you receive with Identity Guard is not the same score used by lenders to evaluate your credit.

** Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available in all jurisdictions.

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