LifeLock and AllClear ID are leaders in the identity theft industry. While they offer top of the line services, AllClear ID no longer allows individuals to subscribe to their plans. In order to receive AllClear ID, it must be paid for by a business and offered to you. LifeLock, on the other hand, sells directly to its subscribers through an online portal or in person.
Overview: LifeLock vs AllClear ID
LifeLock and AllClear ID provide effective protection against identity theft and fraud. They provide comprehensive recovery and restoration services that will help you regain your identity and reduce your risk of financial loss. Both have high customer satisfaction rates and well-respected throughout the industry.
- AllClear ID does not sell directly to subscribers
- LifeLock offers three primary plans their customers can choose from
- Both offer restoration and recovery options that reduce your risk of loss
- AllClear ID does not offer access to your credit reports or your scores
- LifeLock provides copies of credit reports from each credit bureau once a year
Similarities: AllClearID vs LifeLock
Even though AllClear ID does not provide copies of your credit reports, they do keep a close eye on your credit. Like LifeLock, they use a variety of tools and resources to monitor how your personal information is being used and can detect any type of suspicious or fraudulent activity in a relatively short amount of time providing you with a very high level of protection.
- Provides immediate alerts through email or text if suspicious activity is detected
- Works directly with attorneys to help resolve identity theft issues
- Offers $1 million worth of protection against financial loss
- Closely monitors the internet to track how your information is being used
- Offers lost wallet protection
Differences: AllClearID vs LifeLock
The biggest difference is that AllClear ID is not available to individual customers. It must be provided to you by your employer or an organization you belong to. Another big difference is that LifeLock provides you with copies of your credit report and scores at least once per year with updates being provided every quarter.
- AllClear ID does not have a mobile app so alerts are sent via text or email
- AllClear ID does not provide monitoring in Canada
- LifeLock offers copies of credit report and scores once a year
- LifeLock offers updates on your credit reports each quarter but you have to pay a small fee if you want an actual copy
- AllClear ID mainly works with large corporations and organizations to prevent data breaches
LifeLock uses state of the art technology to scan the web for any type of suspicious activity. Their system is designed to identify any suspicious websites that may be trying to access your social security number, address, or other types of personal information. LifeLock also offers assistance if your wallet is ever lost or stolen.
AllClear ID also uses software that is designed to identify and track your personal information. The provides you with alerts when any type of suspicious or fraudulent activity is discovered. AllClear ID also provides coverage for stolen wallets and credit cards.
Financial & Credit Monitoring
LifeLock monitors both your financial accounts and your credit report to identify any type of suspicious or fraudulent charges. They also alert you when new accounts are opened in your name or if large charges are made to your credit cards.
While AllClear ID does not provide you with actual copies of your credit reports, they do notify you of any changes or updates as they occur. Because they work with large companies, they are able to identify patterns that may result in a large data breach and can shut down hackers attempts to access your financial information.
Identity Restoration & Insurance Coverage
LifeLock offers several features that can be used to restore your identity and recover any funds that were lost or stolen through fraudulent means or by accessing your financial accounts. They provide up to $1 million in coverage to help pay for attorneys and recover the funds that were taken.
AllClear ID also offers up to $1 million in coverage to help restore your identity and recover your funds. An investigator will be assigned to your case and will contact any creditors or organizations that may be affected. They will also cover lost wages and loss due to fraudulent activity.
Pricing & Plans
LifeLock has three plans for individuals as well as one for children. LifeLock Junior costs $5.99 per month, per child. LifeLock Standard costs $9.99 per month for the first year going up to $12.99 a month from then on. LifeLock Advantage costs $19.99 per month for the first year. It goes up to $24.99 per month after that. The LifeLock Ultimate Plus package starts at $29.99 per month. It will go up to $34.99 per month after the first year. All packages include Norton Security.
There are no pricing options available for individuals and the cost of plans through companies and organizations will depend on the type of plan chosen.
Summary: LifeLock vs AllClear ID
For people who want comprehensive protection in terms of identity theft and credit monitoring, LifeLock is a good choice. It offers a variety of services and features with several affordable options to choose from.
If AllClear ID is offered by a company or organization you belong to, it is an excellent benefit to take advantage of.
*LifeLock does not monitor all transactions at all businesses.
**Terms apply to all LifeLock plans.
***The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Any one bureau VantageScore mentioned is based on Equifax data only. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.