LifeLock and Complete ID offer identity theft protection that spans both ends of the spectrum. Complete ID offers effective service plans that include the most basic features while LifeLock offers a wide variety of features for comprehensive coverage. LifeLock also includes some credit monitoring.
Overview: LifeLock vs Complete ID
LifeLock and Complete ID provide effective protection against identity theft. While LifeLock offers more in-depth features, Complete ID offers protection against the most important risks such monitoring your social security number and where it appears, as well as payday loan scams and illegal use of your names on fraudulent websites and criminal records.
- Complete ID is affiliated with Costco and requires a third party monitoring service
- Both companies search the Dark Web to track down and remove your personal information
- Both companies offer fraud detection
- Each offers restoration features
- LifeLock offers both identity theft protection and credit monitoring
Similarities: Complete ID vs LifeLock
The similarities between LifeLock and Complete ID involve the basic features offered in terms of identity theft protection. Both companies offer protection for families as well as individuals in terms of tracking personal information such as social security, changes of addresses, and names found in court records.
- A+ ratings from the Better Business Bureau
- Sex offender alerts
- Monitors the Dark Web and fraudulent or suspicious websites
- Protects from payday loan scams
- Offers identity restoration
Differences: Complete ID vs LifeLock
The main differences between LifeLock and Complete ID include the pricing for their packages and the number of features each one offers. The features of Complete ID are effective, but are not as comprehensive as those provided by LifeLock.
- LifeLock does all of its own monitoring
- LifeLock provides real-time alerts for suspicious activity involving bank accounts and credit reports
- Complete ID is affiliated with Costco and can be used in conjunction with their other services
- Complete ID is inexpensive compared to other companies that offer the same services
- LifeLock's $1 million coverage pays for attorneys and helps to speed up the identity recovery process
LifeLock offers identity theft protection by monitoring all of your personal information and will send you alerts when necessary. They monitor your social security number, address changes in your name, and crimes that have been committed in your name. LifeLock also monitors your credit report for new accounts and payday loan scams. They also monitor suspicious websites found on the Dark Web.
Complete ID offers social security monitoring as well as coverage on the Dark Web and suspicious websites that are known for fraudulent activity. Through this type of monitoring, they can uncover a variety of issues such as payday loan scams and various types of activity involving your personal information. They also closely monitor court records for any criminal activity that occurs in your name. They also send alerts for sex offenders in your area.
Financial & Credit Monitoring
LifeLock offers both financial and credit monitoring by keeping a close watch on your credit reports. They track when new accounts are opened and what websites have access to your banking information. They also provide copies of your credit report from all three credit bureaus once a year or whenever you request it.
Complete ID does offer modest financial coverage in terms of monitoring bank accounts for unauthorized activity or the creation of new accounts. Their credit monitoring is limited to the sharing of credit reports and scores as part of the packages they offer.
Identity Restoration & Insurance Coverage
LifeLock offers a variety of features to help restore your identity and help you to recover from the financial loss associated with identity theft. Each of their plans provides insurance coverage that is dependent on the amount of coverage selected. The basic plan provides $25,000 in coverage****. The intermediate plan provides $100,000 in coverage**** and the premiere plan offers $1 million in coverage****.
Complete ID offers $1 million in coverage. There is no deductible and covers several different types of loss including data breaches and identity abuse. They also provide coverage if your wallet is lost or stolen. They also provide a comprehensive list of restoration and recovery services.
Pricing & Plans
LifeLock's coverage starts with the LifeLock Standard plan for $11.99 a month. LifeLock Advantage costs $24.99 a month or $249.99 a year. The Ultimate Plus plan costs $34.99 a month or $349.99 a year. All of the prices will increase after the first year. LifeLock Junior adds $5.99 a month per child.
Complete ID charges $8.99 to $13.99 per month for individuals who have a Costco membership. It costs an extra $2.99 a month to cover each child. If you do not have a Costco membership, the prices are slightly higher, ranging from $19.99 to $29.99 a month.
Summary: LifeLock vs Complete ID
LifeLock is the best option for individuals who want a more complete form of coverage in terms of both identity theft protection and credit monitoring. It's a little more expensive but may be worth the cost for those who like the added protection.
Complete ID offers the most basic coverage for one of the most affordable prices in the business. If you are a Costco member, this may be a good package for you if you aren't worried about all of the extra bells and whistles.
*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.
****Reimbursement and Expense Compensation, each with limits of up to $1 million for Ultimate Plus, up to $100,000 for Advantage and up to $25,000 for Select, when purchased in Norton 360 with LifeLock plans. And up to $1 million for coverage for lawyers and experts if needed, for all plans. Benefits under the Master Policy are issued and covered by United Specialty Insurance Company (State National Insurance Company, Inc. for NY State members). Policy terms, conditions and exclusions at: LifeLock.com/legal.