Learn More About LifeLock

Between these two security systems, our favorite is LifeLock.

SecureScore™: 9.2/10

LifeLock and Credit Secure by American Express offer identity theft protection services as well as restoration and recovery resources for the customers who choose to use their services. LifeLock is well-known throughout the industry for its $1 million coverage in terms of both reimbursement and compensation. American Express is known for its high-end credit card offerings, as well as their latest identity theft protection programs.

Overview: LifeLock vs Credit Secure

LifeLock and Credit Secure off a variety of features that are designed to help you protect your identity as well as monitor your credit. By offering an easy to use downloadable app and 24/7 customer support, both companies encourage their members to check their reports often. Each company sends alerts and notifications in regards to data breaches, changes in financial accounts, or personal information being discovered on suspicious websites or those who have been flagged for fraudulent behavior.

  • With Credit Secure, if you don't have an American Express card, you will have to open an account
  • LifeLock monitors court records and legal actions
  • Credit Secure offers lost wallet protection
  • LifeLock also identifies changes in address inquiries
  • Credit Secure offers identity theft monitoring for your minor children

Similarities: Credit Secure vs LifeLock

LifeLock and Credit Secure provide you with access to your credit reports, credit scores and alerts in case something triggers an alert. Both companies watch for the opening of new accounts, large purchases made outside of your living area, and the appearance of your personal information in places where it normally would not appear, such as court records and applications for new lines of credit.

  • Reports from all three credit bureaus with their advanced plans
  • Alerts and notifications in real time
  • 24/7 access to your credit score
  • Removal of your personal information from the dark web
  • Restoration and recovery resources to help you rebuild after an identity theft event

Differences: Credit Secure vs LifeLock

LifeLock and Credit Secure are both reputable companies, but LifeLock tends to have a stronger presence when it comes to identity theft protection. Credit Secure only offers one plan to its customers while LifeLock offers three. Credit Secure also allows for five minor children to be covered under one plan. In terms of customer service, LifeLock has a better track record.

  • Credit Secure is a feature of American Express
  • LifeLock offers $1 million in reimbursement to cover fees associated with hiring attorneys and other professionals during the recovery process
  • Credit Secure offers a credit simulator to show the impact of possible credit decisions
  • LifeLock can uncover your personal information if it is used on applications or agreements
  • Credit Secure offers coverage in case your wallet is lost or stolen

Identity Monitoring

LifeLock offers identity monitoring that can uncover the misuse of your social security number, address, birthday, and any other type of personal information. The dark web is constantly being scanned to locate your information and remove it.

Credit Secure also scans the dark web and continually looks through suspicious websites to find fraudulent information associated with your identity or financial accounts. Your social security number, as well as those of your children,  are constantly being looked for so they can be removed and any threats shut down before they cause any damage.

Financial & Credit Monitoring

LifeLock monitors all types of financial accounts, including 401k, bank accounts, loans, payday loans, and mortgages, just to name a few. All three credit bureaus are monitored as well allowing them to uncover new accounts or applications for new lines of credit.

Credit Secure also has the capability of monitoring many different financial accounts. They notify you of any new lines of credits, new accounts, or large purchases made outside of your normal spending area. They also provide you with access to credit reports from all three credit bureaus.

Identity Restoration & Insurance Coverage

LifeLock provides three levels of protection, each with $1 million worth of coverage that can be used to pay for attorneys and experts who may need to be hired to recover your identity. Coverage ranges from $25,000 to $100,000 when it comes to reimbursement for stolen funds and compensation for personal expenses.

Credit Secure is designed more to protect against identity theft. While they offer fraud assistance, there is very little in the way of restoration and recovery assistance.

Pricing & Plans

There are three plans offered by LifeLock. After the end of the first year, the cost of each plan will increase by approximately $5 per month. The costs are as follows: LifeLock Standard – $10 a month/$110 a year, LifeLock Advantage – $20 a month/$220 a year, and LifeLock Ultimate Plus – $30 a month/$330 a year.

After a 30-day trial that costs $1, you will pay approximately $17 a month for Credit Secure's services.

Summary: LifeLock vs Credit Secure

LifeLock is one of the most well-respected of all the identity theft companies. If you want a comprehensive list of services for an affordable price, this is one of your better choices.

Credit Secure is a good choice if you are only interested in the credit monitoring and identity theft protection. It also works well for individuals who want their children to be protected as well.