LifeLock vs. Complete ID 2024: LifeLock Takes the Win

LifeLock wins this duel, offering features and amenities like social media and dark web monitoring, three credit bureau alerts, and up to $3 million in identity theft recovery services.
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Best Overall

4.9
Editorial Rating
Learn More
On LifeLock's website

LifeLock
  • 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
  • Customer support experience is lacking

Best for Costco members

4.3
Editorial Rating
Learn More
On Complete ID's website

Complete ID
  • Provides up to $1 million in identity theft insurance
  • Covers up to two adults and five children on one plan
  • Only available to Costco members

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.

At the time of publication, Complete ID was not accepting new enrollments.

In this article
LifeLock vs. Complete ID review at a glance
LifeLock vs. Complete ID: prices
LifeLock vs. Complete ID: monitoring and alerts
Which is safer, LifeLock vs. Complete ID?
LifeLock vs. Complete ID: compatibility and customer support
LifeLock vs. Complete ID FAQs
LifeLock vs. Complete ID: which is better?

LifeLock vs. Complete ID review at a glance

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: Best overall
  • Complete ID: Best for Costco members

LifeLock vs. Complete ID compared


LifeLock
Our Pick

Complete ID
Price $7.50–$34.99/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 LifeLock Review

Read Complete ID Review

LifeLock pros and cons

Pros
  • Top-rated identity theft service, backed by reputable name
  • Up to $3 million in identity restoration coverage on Ultimate Plus plan
  • Offers multiple monitoring features and alerts
Cons
  • Lackluster customer experience
  • Three-bureau credit monitoring only available on Ultimate Plus plan

Complete ID pros and cons

Pros
  • Low cost, customizable plan
  • Up to $1 million in restoration services
  • Multiple alerts, including social media, dark web, and Social Security number monitoring
Cons
  • Only available to Costco members
  • Limited enrollment and availability

LifeLock vs. Complete ID: prices

Our Pick
Paid annually $7.50–$34.99/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 $19.99/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 LifeLock Review

Read Complete ID Review

LifeLock plans

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.

  • Standard: LifeLock’s Standard plan offers up to $1 million for lawyers and experts if you need their services, up to $25,000 in stolen funds reimbursement, and up to $25,000 in personal expense compensation. The Standard plan also offers identity and Social Security number (SSN) alerts. As far as credit features, you’ll get one-bureau credit monitoring from Equifax.
  • Advantage: The Advantage plan comes with everything in the Standard plan plus Identity Lock features, phone takeover monitoring, alerts on crimes in your name, and “buy now pay later” alerts. Coverage for stolen funds reimbursement and personal expense reimbursement both increase to $100,000 each.
  • Ultimate Plus: The Ultimate Plus plan offers up to $3 million in identity theft coverage which is made up of $1 million for lawyers and experts, $1 million for stolen funds, and $1 million for personal expense reimbursement. This premium plan comes with everything from the previous plans as well as 401(k) and investment account activity alerts, home title monitoring, and social media account monitoring. You’ll also get one-bureau credit reports and scores daily and three-bureau credit reports and scores annually.

Complete ID plans

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.

  • Complete ID: Once you sign up, Complete ID can run a comprehensive check on your information to check for previous or ongoing instances of identity theft. From there, Complete ID provides criminal record monitoring, dark web surveillance, financial account monitoring, mail change alerts, SSN monitoring, debit/credit card monitoring, email address, passport, driver’s license, and phone number monitoring.

Winner: While Complete ID offers an impressive suite of amenities and features for a low monthly cost, it’s only available to Costco members. If you aren’t already a Costco member and don’t have any plans to join in the near future, the price increases substantially. LifeLock plans offer low-price options for identity theft protection and peace of mind.

LifeLock vs. Complete ID: monitoring and alerts

Feature
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 LifeLock Review

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.

Complete ID creates reports to show you whether it found any of your personal info online.

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.

Norton LifeLock monitors your name, Social Security number, date of birth, email, address, phone number, driver’s license, credit cards, bank accounts, and more.

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.

Winner: In terms of features, Complete ID and LifeLock have similar offerings, so we’ll call this one a tie.

Which is safer, LifeLock vs. Complete ID?

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.

LifeLock vs. Complete ID data security

Our Pick
Two-factor authentication
Multi-factor authentication
Collects data Minimal Minimal
Shares data with third parties
Learn more Get LifeLock

Read LifeLock Review

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.

Complete ID makes you verify your identity if you try to login on a web browser.

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.

Winner: With their privacy policies in alignment, we have to give the leg up to LifeLock due to the two-factor authentication and the ability to enable a voice passcode to verify identity.

LifeLock vs. Complete ID: compatibility and customer support

Our Pick
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 LifeLock Review

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.

Winner: LifeLock wins this one simply because it offers more options for customers to reach customer service representatives. Plus, their online guides and forums are a trove of information.

LifeLock vs. Complete ID FAQs


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Is there anything better than LifeLock?

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.


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Is Complete ID safe?

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.


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What is the downside of LifeLock?

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.

LifeLock vs. Complete ID: which is better?

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.

LifeLock vs. Complete ID alternatives

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.

  • Aura: For an identity theft protection service that offers much more than just identity theft protection, check out Aura. Aura offers excellent identity theft protection and a password manager, VPN, and tools for promoting children’s online safety.

    Get Aura | Read Our Aura Review

  • Identity Guard: Identity Guard is an easy-to-use identity theft protection service that also offers a password manager at an affordable, low monthly cost.

    Get Identity Guard | Read Our Identity Guard Review

  • IDShield: IDShield offers identity and credit monitoring for single users or families at a low price. Not only does IDShield offer monitoring, but it also offers identity restoration services if you’re a victim of identity theft.

    Get IDShield | Read Our IDShield Review

Up to 37% off first year when paid annually
4.9
Editorial Rating
Learn More
On LifeLock's website
LifeLock
  • 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
  • Customer support experience is lacking
Author Details
Courtney Daybell is a professional writer interested in online privacy. With a bachelor's degree in communications from Brigham Young University, she has written for more than 15 years with a strong foundation in print journalism.