LifeLock vs Experian. LifeLock provides clients with single-bureau Equifax based credit reports accompanied with 24/7 customer service assistance. Experian Identity Works is a credit bureau that provides clients with quarterly credit reports through its own comprehensive triple-bureau credit monitoring. Both Experian and LifeLock offer ID theft insurance of up to $1 million.
TABLE OF CONTENTS
It is quite easy to choose LifeLock as your Identity Theft Protection service because of the robust system that the company provides to their clients. The insurance of $1M combined with the credit monitoring and money back guarantee make it a great choice especially for first time users of the service.
- Keep all your digital information safe from viruses and hackers
- LifeLock watches the dark web for any mention of you
- Monitors all 3 credit bureaus
Both Experian and LifeLock offer a lot of the same services. LifeLock’s 24/7 customer service assistance is a great feature, while Experian Identity Works includes high-risk bank account & credit card transaction alerts, identity validation alerts, payday loan monitoring at all premium plans.
LifeLock vs. Experian: Comparison
An In-depth Look At LifeLock
A strong, loyal customer base is one of the most obvious signs that a business or a brand is doing something right. It certainly seems to be the case when you evaluate LifeLock. It carries a huge following of more than 5 million people across the US, relying on LifeLock to keep them safe online.
It will keep a close eye on your finances such as your bank accounts and credit card usage. LifeLock is equally effective at restoring order if you fall victim to identity theft. Not only will it provide you with legal assistance and account restoration services, but it will also provide you insurance cover of to up to $1 million. Other than that, it comes along with an easy-to-use setup with a low learning curve and decent customer support.
Pros and Cons
Experian IdentityWorks – Does It Rival The Best?
Experian is primarily known for providing individual and business credit monitoring services. In fact, it is one of the oldest firms providing such services with a storied history of 125 years and a track record to match. So in essence, Experian is truly an “expert” in extensive data analysis. This meant progression into digital ID protection services as the natural next step. IdentityWorks is one such service meant to bring affordable ID protection to the masses.
They offer a comprehensive feature bucket that includes dark web monitoring, internet surveillance, up to three credit bureaus reports depending on the plan, court records surveillance, sex offender reports, address change notifications, loan application alerts, SSN monitoring, bank account and credit card activity alerts, up to $1 million in identity theft insurance, file sharing network surveillance, social media monitoring and the option to lock your credit reports.
Pros and Cons
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Pricing and Plans
Experian offers 3 plans. You have the option to choose either Plus and Premium tiers in all 3. If you choose Plus, you will get basic protection services. However, if you desire a more comprehensive level of ID protection then signing up for Premium will make more sense.
The monthly charges range from $9.99 a month to $29.99 a month. Moreover, the signup is risk-free as you can “test drive” any plan you choose free of charge for 30-days and canceling your membership won’t be a hassle.
You will also be liable for a decent discount if you sign up for their annual plan – you can net a discount of 17% on annual signup! Let’s take a closer look at their pricing:
- The plan costs $19.99 a month. However, the added charge doubles your ID theft insurance up to $1 million. You will also have access to the quarterly credit reports from all 3 bureaus; and additional protective features including bank account & credit card alerts, identity validation alerts, payday loan monitoring, court records, sex offender registry, and social network monitoring.
With 1 Adult and Up to 10 Children
- Again the only difference is the $24.99 monthly price with the rest of the services being the same as those offered with the Premium Individual plan.
With 2 Adult and Up to 10 Children
- The plan does cost $29.99 a month but your ID theft insurance cover will be doubled to $1 million. And you will have a more robust ID protection mechanism at your disposal with the added premium features along with the quarterly credit reports
In a comparison of LifeLock vs Experian, if your primary objective is to get ID protection at an affordable price then choosing Experian will make more sense but if you want more thorough protection and price is not an issue then LifeLock will serve you well.
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