Complete ID Reviews

Full-service ID theft detection and fraud monitoring at competitive prices

SecureScore™: 7.9 /10
View Plans
7.9 SecureScore™
How We Review
How We Review
Customer Service
Features & Services
Ease Of Use

Complete ID Ratings

Costco is back with another value-packed service. They’ve teamed up with Experian to offer Complete ID, a surprisingly cheap ID theft and fraud monitoring service. Get 360 monitoring, dark web surveillance, SSN monitoring, and more. Suspicious activity? Complete ID sends push notifications with helpful advice. The downside, it’s only available for Costco members. But didn’t you want to start buying in bulk anyways? See what our experts say in our Complete ID review.

  • Credit Monitoring
  • Up to $1 Million in Identity Theft Insurance
  • Child Monitoring Available (for an extra monthly fee)
  • Annual 3-Bureau Credit Report, VantageScore, and 3-Bureau Monitoring
  • Dark Web Surveillance
  • Mail Change Alerts
  • Credit Card, Checking, Savings Account Application Alerts
  • Criminal Records Monitoring
  • Payday Loan Monitoring
  • SSN Monitoring

  • Must Be a Costco Member to Enroll
  • Third-Party Issue and Incident Resolution Required (not handled by Costco)


Experian owns Complete ID. This credit reporting agency is based in Dublin, Ireland, with additional headquarters in the United States and Brazil. The company has been around for more than 50 years and has 17,000 people in its organization. Its position as a credit reporting bureau gives it access into first-party data that could show someone stealing an identity, as well as the resources to tap into countless other data points.

Features & Services

Identity Status Check

You start with an identity status check that creates an identity baseline for you to operate from. This process also confirms your personal identity status so you know whether you’re already faced with identity theft.

360 Monitoring

This comprehensive monitoring service looks at thousands of sources to find the signs of identity theft. When there are so many venues for criminals to get this data from, it’s important to have a top-down look at all of the possibilities.

Alerts and Advice

Changes and unusual activities trigger notifications to warn you about the potential for identity theft. You also receive advice on what you should do next, if there are any actions that you can take on your end.

Annual 3 Bureau Credit Monitoring

Complete ID also provides daily monitoring of all three changes to your credit report to identify signs of fraud.

Dark Web Surveillance

The dark web is where a lot of personal information gets bought and sold. Complete ID notifies you if there is breached data that they detect that contains your information.  Complete ID has identified billions of breached records over the history of their service.

Mail Change

Complete ID provides mail change alerts if somebody tries to divert your mail to another address.

Criminal Records

Don’t get accused of something that you’re not responsible for. This monitoring service keeps your good name from being dragged through the mud by a criminal.

Criminal Records Monitoring

If someone uses your identity when they get arrested, you can find out quickly and begin to fix the issue.

Payday Loan Monitoring

Payday loans come from companies that may not check all that deeply into the applicants taking out these loans. You could end up on the hook for multiple payday loans, all increasing at a rapid rate, if you don’t have fast warning.

SSN Monitoring

Scammers may use your social security number to open up utility accounts, get jobs, sign an apartment lease or open up financial accounts. When you get early notice that this is happening, you can step in before major damage is done.

Neighborhood Watch

Learn about sex offenders that are living in your neighborhood or planning to move there, as well as if someone tries to use your information when adding their data to the registry.


Don’t let your children end up with bad credit at the age of 18. Use Complete ID to ensure that no one is opening accounts using their information.

Financial Account Takeover and Applications

Worried about someone taking over your bank account or applying for a credit card in your name? This monitoring feature allows you to quickly learn if someone is attempting to break into your accounts or opening up new ones.

Ease of Use

Complete ID gives you clear, easy to understand notifications that tell you exactly what you should be doing for the next steps of the process. When you go to access your credit reports, the information is presented in a simple to navigate online resource.

Customer Service

If you have a problem at any time of the day or night, you can contact customer service and someone will be available to help you. You only have to call one company if your identity gets stolen, rather than reaching out to each individual creditor and financial institution. Plus, if you have related personal finance questions, you’re always welcome to ask these highly trained professionals.

In the event of identity theft, you get connected with an Identity Restoration Team. You have up to $1 million in insurance coverage* if someone abuses your personal information and causes damages.


The rate that you pay for Complete ID depends on the membership that you have at Costco. If you’re a Wholesale Executive Member, you pay a discounted rate of $8.99 monthly plus an additional $2.99 for child monitoring.

Gold Star Members pay the slightly higher rate of $13.99 per month and $3.99 per month for child monitoring.

The services you receive are identical, so you’re not missing out on anything by being a different tier. This price range puts Complete ID solidly in the affordable bracket compared to other identity protection services.


Complete ID offers a solid set of identity theft prevention and credit monitoring for Costco members. This membership perk makes a lot of sense to pick up if you want to keep your identity safe from the many threats that face it today.

*The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.

Reviewed By
Travis Goodreau
Safety and Security Advisor
Travis is a retired Burglary Detective, having tallied 5,000+ burglary and theft cases throughout his career. He also served as an Arson Investigator, where he cracked the case of a serial arsonist, and made the arrest and prosecuted the would-be bomber of ABC-7 Studio in LA. We couldn’t be happier to have him as a Safety and Security Advisor. Learn more about Travis here
Written By
Stephen Lovely
Identity Theft Specialist
Stephen is SafeHome’s trusted voice on all things Identity Theft Protection. As a specialist on the topic, he researches and writes content that keeps our readers safe. Stephen holds a B.A. in English and Political Science from Boston College. In the past, he worked as a Newswire Writer and Senior Editor at a Literary Magazine. Learn more about Stephen here

Which Identity Theft Service Is Best for You?

Use our new comparison tool to compare the best services by features.

Compare Services

Leave a Reply

Your email address will not be published.

This site uses Akismet to reduce spam. Learn how your comment data is processed.