Learn More About LifeLock

Between these two security systems, our favorite is LifeLock.

SecureScore™: 9.2/10

LifeLock and Credit Karma offer similar credit monitoring services but are very different in terms of identity theft prevention and restoration. LifeLock offers multiple programs that help their clients both protect their identity as well as monitor their credit. They provide valuable resources and insurance to get their clients through a difficult time if the unthinkable occurs. Credit Karma, on the other hand, only provides information about their credit and recommending ways to improve their credit scores. Credit Karma is free and does not offer any insurance or compensation, although they do offer many free services.

Overview: LifeLock vs Credit Karma

LifeLock and Credit Karma are effective at what they do. The fact is, both offer completely different services. LifeLock's ultimate goal is to provide their clients with the information they need to protect their identity and recover/restore it if it is ever stolen. Credit Karma, on the other hand, only provides credit information that allows clients to understand where they stand in creditworthiness and how they can improve their credit score in order to open new lines of credit. It does offer credit alerts when new accounts are opened.

  • Credit Karma is free
  • LifeLock offers multiple protection plans
  • Credit Karma offers a free tax preparation service for both state and federal returns
  • LifeLock offers $1 million in compensation to help recover from an identity theft incident
  • Both offer information on data breaches

Similarities: LifeLock vs Credit Karma

LifeLock and Credit Karma are both concerned with where your information goes and how easily you have access to it. Both provide access to your credit reports and keep track of activity on certain types of accounts like credit cards and other loans. Both companies offer real-time updates to your credit score so you can check it whenever you need to. Each company offers an online app that allows you to monitor or update your information at any time.

  • Free credit reports from at least two of the credit bureaus
  • Provides information on the latest data breaches
  • Alerts when new accounts are opened
  • Lets you know when an account is paid off
  • Real-time updates and access to your credit information

Differences: LifeLock vs Credit Karma

There are multiple differences between LifeLock and Credit Karma that set them apart from one another. Most importantly, LifeLock is a paid service that requires a subscription. Credit Karma is totally free with no hidden costs or upgrades. LifeLock offers both credit monitoring services as well as identity theft protection and restoration/recovery benefits. Credit Karma limits itself to credit monitoring and recommendations for credit cards and various loans.

  • Credit Karma reviews your loans to help you find better interest rates
  • LifeLock offers $1 million in insurance coverage to pay for attorneys and other expenses
  • Credit Karma offers a credit score simulator
  • LifeLock offers Norton Anti-virus
  • Credit Karma only offers TransUnion and Equifax credit reports

Identity Monitoring

LifeLock offers monitors where your information appears and takes whatever measures are needed to remove it from fraudulent and suspicious websites on the dark web. LifeLock also alerts you to data breaches and monitors when your information appears on applications and court documents.

Credit Karma offers very little in the way of identity monitoring. Although they do identify and report data breaches, they don't track the dark web on a 24/7 basis or make you aware of when your name shows up in legal/court documents.

Financial & Credit Monitoring

LifeLock monitors your credit reports as well as your financial accounts. They can alert you if large purchases are made or when your credit cards are used outside of your normal geographic location. They can alert you when new accounts are opened as well as when a loan or credit card has been paid off.

Credit Karma offers several different credit monitoring features and offers financial monitoring as well, although not along the same lines as a paid service like LifeLock. They will notify you when a new account is open or an old one has been closed. They will also notify you of changes to your Transunion and Equifax credit reports.

Identity Restoration & Insurance Coverage

LifeLock offers financial resources and insurance protection if your identity is ever stolen or damaged due to the fraudulent actions of others. They offer $25,000 to $1million in stolen funds reimbursement and personal expense compensation, depending on the package you choose. With all three of their plans, LifeLock offers up to $1 million to help cover the cost of attorneys and financial experts when it comes to repairing your identity and recovering your funds.

Credit Karma does not offer any type of identity restoration and recovery services.

Pricing & Plans

LifeLock's multiple plans offer basic services to a comprehensive listing of features. The LifeLock Standard is the cheapest and most basic of all their offerings. It costs less than $10 a month or $110 a year. The LifeLock Advantage plan is their medium level offering and runs less than $20 a month or $220 a year. With the LifeLock Ultimate Plus plan, customers receive all of the perks of being a full member. It costs less than $30 a month or $330 a year.

Credit Karma is free.

Summary: LifeLock vs Credit Karma

LifeLock is a full-service identity and credit monitoring service. It's ideal for anyone who is willing to pay for a variety of reliable features and services.

Credit Karma works well for anyone who wants to keep an eye on their credit without being stuck with a monthly fee.