LifeLock is an identity theft/credit monitoring program that offers a wide variety of services that includes the recovery and restoration of your identity after a breach. ID Watchdog is affiliated with Experian and is provides a more basic level of coverage than other companies who offer the same services.
Overview: LifeLock vs ID Watchdog
Both LifeLock and ID Watchdog offer up to $1 million to help with the recovery and restoration process. While both monitor your social security number and personal information, LifeLock goes a step further providing alerts when suspicious changes occur to your bank accounts or credit reports.
- With ID Watchdog credit reports are only updated once a year
- ID Watchdog monitors medical and healthcare databases
- LifeLock offers comprehensive recovery and restoration services
- Both companies offer $1 million of support and insurance to protect you from financial loss
- ID Watchdog offers two-factor authentication
Similarities: ID Watchdog vs LifeLock
There are many things that LifeLock and ID Watchdog have in common. They both monitor the sex offender registry and provide access to credit reports once a year. Each company offers resolution services to help you financially recover from identity theft and will work to restore your accounts as quickly as possible.
- Both offer credit reports and scores from all three credit bureaus once a year
- Alert subscribers to high-risk transactions
- Notifies you if registered sex offenders are in the area
- Up to $1 million in coverage to help speed up the restoration and recovery process
- Both offer plans that cover your family, including the kids
Differences: ID Watchdog vs LifeLock
The differences between LifeLock and ID Watchdog have to do with their packages as well as the types of features and services they offer. Both companies are effective at the level of protection they provide, but LifeLock offers services that are more in-depth and better able to track suspicious activity much faster.
- ID Watchdog is owned by Equifax
- LifeLock provides credit reports from all three credit bureaus every three months
- ID Watchdog monitors social media accounts
- LifeLock monitors bank accounts on a daily basis and sends alert as soon as suspicious activity occurs
- ID Watchdog uses two-factor identification
LifeLock protects your identity by monitoring where your social security number appears on the Dark Web and if your address or personal information changes in any way. They also provide coverage if your wallet is lost or stolen and have a wide variety of recovery solutions to help you get your identity back.
ID Watchdog monitors your social security number and provides two-factor authentication to ensure that your information is fully protected from data breaches and hackers. They also monitor high-risk transactions and send out alerts if any suspicious activity is detected.
Financial & Credit Monitoring
LifeLock scans the web for both suspicious websites and fraudulent activity on your of your accounts including banking, 401K, and investments. LifeLock can actively monitor all of your accounts making it easier to identify suspicious activity. They will alert you when large purchases are made or if new accounts are opened using your information.
ID Watchdog offers non-credit monitoring services but cannot actively track your bank accounts. They do, however, transactions made on suspicious websites. They provide updated credit reports and scores once a year from each of the three credit bureaus.
Identity Restoration & Insurance Coverage
LifeLock provides a full line of restoration and recovery services that are designed to protect your from financial devastation. Their packages offer insurance amounts ranging from $25,000 to $1 million depending on which one is chosen.
ID Watchdog also provides up to $1 million of coverage to its subscribers. They offer resolution and recovery services that are intended to help you regain your identity and prevent permanent financial loss.
Pricing & Plans
LifeLock's plans include a Standard plan for approximately $10 a month, an Advanced plan for $20 a month, and an Ultimate Plus plan for $30 a month. After the first year, the price of each plan goes up slightly. Their LifeLock Junior plan can be added to any package to protect minor children living in the home. The cost for each child per month is $5.99.
ID Watchdog offers packages that start at $12.95 a month for a single person. Single and a spouse costs $21.95 a month, while a single and a family costs $23.95 a month.
Summary: LifeLock vs ID Watchdog
LifeLock is one of the most well-rounded of all the companies who monitor credit and prevent identity theft. It's a good choice for anyone who wants the convenience of one-stop shopping without a high priced monthly fee.
ID Watchdog is a good choice for families with multiple children living in the home. While it doesn't offer extensive services, the features it provides are effective and backed by the Equifax brand. The packages are also affordable and one cost will cover an entire family.
*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.