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Best Overall
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Top-rated identity theft protection service
Provides up to $3 million in coverage
Multiple monitoring features including dark web, home title, and social media monitoring
Best for Costco members
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Provides up to $1 million in identity theft insurance
Covers up to two adults and five children on one plan
In this article, we compare Complete ID vs. LifeLock to determine which ID theft protection service is best for you and your needs.
Spoiler alert: In our opinion, it’s hard to beat LifeLock. With multiple monitoring features, including dark web, home title, social media, and financial account monitoring as well as credit reports from all three bureaus, LifeLock offers a superior experience. It also offers a range of pricing options and multiple methods of customer support.
We’ll go over exactly how LifeLock and Complete ID compare when it comes to pricing, features, customer support, and more.
LifeLock and Complete ID have similar features. Both services offer multiple options for identity alerts, credit reports, and credit monitoring.
Notable differences include the number of plans — Complete ID has one plan, whereas LifeLock offers multiple plan options. LifeLock’s Ultimate Plus plan boasts a robust identity theft insurance coverage of up to $3 million while the LifeLock Standard plan has coverage of up to $1.05 million. On the other hand, Complete ID offers up to $1 million in identity theft insurance.
 LifeLock Our Pick |
 Complete ID |
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| Price | $8.29–$40.99/mo for first yr | $8.99–$18.99/mo |
| Identity theft insurance | Up to $3,000,000 | Up to $1,000,000 |
| Credit monitoring | ||
| 3-bureau credit reports | ||
| Credit score | ||
| Identity recovery | ||
| Dark web alerts | ||
| Social media account alerts | ||
| Learn more | Get LifeLock | Read Complete ID Review |
|
Our Pick |
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| Paid annually | $8.29–$40.99/mo for first yr | N/A |
| Paid monthly | $11.99-$79.99/mo | $8.99–$18.99/mo |
| Best value plan | Ultimate Plus Individual for $24.99/mo for first yr | One Adult for $8.99/mo |
| Identity theft insurance | Up to $3,000,000 | Up to $1,000,000 |
| Learn more | Get LifeLock | Read Complete ID Review |
LifeLock offers three different plans to cater to your identity protection needs. From individual plans to family plans, LifeLock’s protection comes loaded with features and amenities to help ensure your online protection.
Looking to test-drive a plan before committing? LifeLock offers a 30-day free trial and a 60-day money-back guarantee with annual plans. But you must enter a credit card to authorize your trial which will auto-renew after the 30-day trial period.
Complete ID has one straightforward plan, but, depending on your Costco membership (Executive membership versus Business or Gold membership), you may pay more. You can only pay for the plan on a monthly basis. and we didn’t see any options for a free trial or money-back guarantee when signing up.
Developed by credit giant Experian, Complete ID offers more than 20 features.
| Feature |
|
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| Credit monitoring | ||
| Financial activity alerts | ||
| 3-bureau credit reports | Yes — Experian, Equifax, and TransUnion (all three only available on Ultimate Plus) | Yes — Experian, Equifax, TransUnion |
| Credit score | ||
| Credit lock and freeze | ||
| Identity recovery | ||
| Dark web alerts | ||
| Social media account alerts | ||
| Social Security Number monitoring | ||
| Home title monitoring | ||
| Address change alerts | ||
| Learn more | Get LifeLock | Read Complete ID Review |
Complete ID’s features and LifeLock’s features are very similar, especially when comparing Complete ID to LifeLock Ultimate Plus. Both offer monitoring and alerts to protect and prevent identity theft, and both plans boast comprehensive monitoring features like dark web, social media monitoring, fraudulent financial account activity, and more. These are all key components of an effective identity theft protection service.
Complete ID comes with SSN monitoring, alerting you if any name or address associated with your SSN is used fraudulently. It also includes loan monitoring to notify you of any lending activity with your monitored personal information, including payday loans, installment loans, new auto loans, lines of credit, title loans, or credit cards.
We were also impressed by Complete ID’s criminal record monitoring feature, which scans 500 million criminal records, 60 million incarceration records, and 99 million Department of Corrections records for crimes in your name. Complete ID also comes with dark web surveillance to monitor the distribution of your personal information on the dark web.
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LifeLock’s plans include credit monitoring, transaction monitoring, credit reports, and credit scores. Like Complete ID, LifeLock monitors the dark web for your personal information. It also monitors any linked social media accounts for activity that might indicate an account takeover.
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One of the key differences between the two is how much identity theft insurance is provided. Complete ID offers up to $1 million in identity theft restoration services. However, LifeLock Standard offers up to $1.05 million and LifeLock Ultimate Plus offers up to $3 million. Another key difference is that LifeLock monitors your home title (alerting you of any suspicious activity with it), while Complete ID doesn’t have this feature.
Any identity theft protection service collects sensitive data. You’re paying them to monitor your information, after all. When signing up, you provide your name, payment information, email address, date of birth, SSN, and any account information you want monitored.
Thus, data security is of utmost importance. Enhanced security features like two-factor, multi-factor, or even biometric-factor authentication are the minimum features we like to see for online security.
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Our Pick |
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| Two-factor authentication | ||
| Multi-factor authentication | ||
| Collects data | Minimal | Minimal |
| Shares data with third parties | ||
| Learn more | Get LifeLock | Read Complete ID Review |
LifeLock offers multiple methods for two-factor authentication, including your phone number, an authenticator app, and a security key. With LifeLock, you can even use a verbal passcode to confirm your identity.
We couldn’t find any information about two-factor or multi-factor authentication in our Complete ID account set up. There was at least an identity verification process, but we believe Complete ID’s security measures could be stronger.
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Giving sensitive, private information to anyone is a risk, but LifeLock and Complete ID’s privacy and sharing policies are what we would expect from effective identity theft protection service plans. Norton and Complete ID both share data with partners to perform their services and for other reasons.
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Our Pick |
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| Windows | ||
| macOS | ||
| Android | ||
| iOS | ||
| 24/7 customer support | ||
| Customer support options | Live chat, phone, online guides, support forums | Phone, online guides |
| Learn more | Get LifeLock | Read Complete ID Review |
LifeLock and Complete ID both offer 24/7 customer support, which is highly favorable in our opinion. Regarding customer support availability, LifeLock makes it a little easier to contact their customer support, offering live chat, phone, and online forums and guides. Complete ID also offers 24/7 customer support via phone call and online guides with FAQs on its website.
LifeLock’s customer service representative quickly responded to our query but didn’t provide a suitable answer. Complete ID’s customer service is an automated system initially, and it was a little clunky to get through. Once we got to a customer service representative, she was helpful and answered our questions thoroughly.
Based on our research, LifeLock provides an above-average identity protection service for the price. With account monitoring, social media monitoring, dark web monitoring, credit reports, and more, LifeLock is hard to beat.
As with any identity theft protection service, Complete ID does collect a certain amount of data to monitor your information. However, Complete ID is considered safe in our opinion. Complete ID outlines that sensitive information, like SSNs, are encrypted and protected.
And while we couldn’t find two-factor authentication on our account when we tried to log in, we did have to go through an identity verification process.
One of the few downsides of LifeLock is that the Standard plan leaves many notable features out, including annual credit reports from all three credit bureaus and extensive ID theft insurance. Customers must pay for the premium plans for these features as well as more detailed monitoring and alerts.
Identity theft protection is a worthwhile investment in today’s digital world. Complete ID provides a good, low-cost option if you’re looking for identity theft protection, credit monitoring, and identity restoration services. However, the plan is only available for Costco members, and if you’re looking to join Costco just for the Complete ID membership, it becomes a lot more expensive.
In our opinion, LifeLock is the better choice. Not only does LifeLock offer extensive monitoring, but it also provides a broader scope of credit monitoring and credit reports if you choose the LifeLock Ultimate Plus option. Additionally, LifeLock offers a better user experience with more options to contact customer service. While LifeLock isn’t the cheapest identity theft protection plan on the market, it’s generally affordable.
If you’re still not sure whether LifeLock is the right service for you, take a look at other best identity theft protection services to see which could be a better fit.
Top-rated identity theft protection service
Provides up to $3 million in coverage
Multiple monitoring features including dark web, home title, and social media monitoring
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