LifeLock vs. Experian 2024: Key Differences That Matter

If you’re wondering whether you should try LifeLock or Experian, this guide breaks down key features, prices, and customer support for both identity protection services.
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Best for Couples or Families

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 Individuals

4.2
Editorial Rating
Learn More
On Experian IdentityWorks's website

Experian IdentityWorks
  • Comprehensive three-bureau credit monitoring
  • Dark web and social media alerts
  • Data shared with third parties for targeted advertising

Identity theft protection services like Norton LifeLock and Experian IdentityWorks can help you catch identity theft in its early stages or remediate an issue if you become a victim.

LifeLock has great support options, including a community forum that we found invaluable. Experian can work with any budget, providing basic, essential monitoring with its free plan. Check out our comparison below if you’re curious about what else they offer.

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

LifeLock vs. Experian IdentityWorks review at a glance

These two ID theft protection services have a lot of similarities, but some key differences may matter to your situation. People on a tight budget who want identity protection could benefit from Experian’s free plan. Experian is definitely for you if you want to monitor your FICO score.

On the other hand, LifeLock comes from Norton and can be used on its own or bundled with Norton’s other security products. Norton has so many options, providing a slew of support options to fit your preferences.

  • LifeLock: Best support options
  • Experian IdentityWorks: Best for a budget

LifeLock vs. Experian IdentityWorks compared

Price $7.50–$34.99/mo for first yr $24.99–$34.99/mo
Identity theft insurance Up to $3 million Up to $1 million
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 Experian IdentityWorks Review

LifeLock pros and cons

Pros
  • $3 million in insurance
  • Variety of support options
  • Home title monitoring
Cons
  • Shares your data
  • Expensive renewal pricing

Experian IdentityWorks pros and cons

Pros
  • Reasonably priced
  • Lots of useful features
  • Free plan
Cons
  • Lackluster customer support
  • No plan for couples without children

LifeLock vs. Experian IdentityWorks: prices

Our Pick
Paid annually $7.50–$34.99/mo for first yr N/A
Paid monthly $11.99–$79.99/yr $24.99–$34.99/mo
Best value plan Ultimate Plus starting at $19.99/mo for first yr Premium for $24.99/mo
Identity theft insurance Up to $3 million Up to $1 million
Learn more Get LifeLock

Read LifeLock Review

Read Experian IdentityWorks Review

LifeLock plans

LifeLock offers a lot. Each of the plans we listed below is intended for a single person. Couples receive the same features per person, and family plans include special features for children. Each family plan can cover up to five children.

LifeLock offers a 60-day money-back guarantee for annual plans and a 14-day money-back guarantee for monthly plans.

  • Standard: Basic coverage with identity theft insurance, ID and Social Security number (SSN) alerts, and one-bureau credit monitoring. Identity theft insurance up to $1.05 million.
  • Advantage: Everything in the Standard plan plus identity lock, phone takeover monitoring, alerts on crime in your name, and buy now pay later alerts. Identity theft insurance up to $1.2 million.
  • Ultimate Plus: Everything in the Advantage plan plus credit scores, three-bureau credit monitoring and reports, investment and 401(k) alerts, home title monitoring, and social media takeover alerts. Identity theft insurance up to $3 million.

Experian IdentityWorks plans

Experian is surprisingly robust, given it’s one of the three major credit bureaus. The plans we listed cover one person, except for the family plan, which covers an additional adult and up to 10 children. We wish Experian offered a plan for couples without children like LifeLock does.

The paid plans offer a seven-day free trial to try out the features before committing to the service.

  • Free: Basic coverage with Experian credit report, FICO score, FICO score monitoring, credit monitoring and alerts, dark web surveillance report, and personal privacy report.
  • Premium: Everything in the Free plan plus $1 million in identity theft insurance, three-bureau credit monitoring, alerts, and scores, lost wallet assistance, monthly privacy scans and data removal services, FICO score tracker, identity, social media, and financial account alerts plus other bonuses.
  • Family: Everything in the Premium plan with coverage for an additional adult and up to 10 children.

Winner: Experian. We love that you can have free coverage to monitor basic information. We also love how many useful features come with Experian.

LifeLock vs. Experian IdentityWorks: monitoring and alerts

Feature
Our Pick
Credit monitoring
Financial activity alerts
3-bureau credit reports Yes — Experian, Equifax, TransUnion Yes — Experian, Equifax, TransUnion
Credit score
FICO score
Credit lock and freeze
Identity recovery
Dark web monitoring
Social media account alerts
Social Security Number monitoring
Home title monitoring
Address change alerts
Learn more Get LifeLock

Read LifeLock Review

Read Experian IdentityWorks Review

LifeLock and Experian share a lot of similarities with one big difference. While both VantageScore and FICO are used to assess your creditworthiness, FICO scores tend to be used more over time than VantageScore. Experian offers FICO, while LifeLock offers VantageScore. We haven’t seen a lot of identity theft protection services that use FICO, so this is a deviation from the norm in a good way.

Additionally, Experian offers three-bureau monitoring on its paid plans, while LifeLock only offers it on the Ultimate Plus plan.

LifeLock monitors your home title to alert you if it’s transferred, which is good if you own a home. However, we don’t think it’s absolutely necessary, so it’s not a deal breaker for us that Experian doesn’t include it. Critical features like SSN monitoring, dark web monitoring, and the ability to lock your credit are included in both service’s offerings.

Overall, both of these services offer the core alerts and monitoring features you’ll need to monitor your credit and personal information.

LifeLock uses credit monitoring to alert you if any new credit inquiries are made in your name, and you can see a list of inquiries straight from the Credit Services tab on the dashboard.

Norton alert

IdentityWorks scans the dark web for your compromised data and alerts you if it finds anything.

Experian alert

Winner: Experian. Considering FICO is used more in the long term, we like that it’s one of the few services that offer FICO monitoring and alerts.

Which is safer, LifeLock vs. Experian IdentityWorks?

You give a lot of personal information to identity theft protection services, so you need to know what those services are doing with your data. You also deserve to know how they protect the information you entrust to them. Finally, you deserve to know who has access to all that data. We’re not in love with third-party sharing, especially when it’s for marketing purposes.

LifeLock vs. Experian IdentityWorks data security

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

Read LifeLock Review

Read Experian IdentityWorks Review

Experian offers multi-factor authentication (MFA) which isn’t as widely adopted as two-factor authentication (2FA). The Cybersecurity and Infrastructure Security Agency (CISA) recommends MFA.

Otherwise, these two are pretty similar. We weren’t thrilled with how much data the service collects and shares. While both services are transparent about data sharing, it’s still not the best practice.

Experian collects as much data as possible and shares it with various third parties. It’s outlined very clearly in the U.S. privacy policy. We expect your spam calls and emails to go way up with this data sharing. LifeLock isn’t better, using all the data it collects for various purposes, including promoting the interests of its third-party affiliates.

Winner: Tie. Even though Experian offers MFA, the 2FA used by LifeLock is comparable, which leaves these products on equal ground regarding security.

LifeLock vs. Experian IdentityWorks: compatibility and customer support

Platform
Our Pick
Windows
macOS
Android
iOS
24/7 customer support
Customer support options Online guides, community forums, chat, phone Online guides, phone, question submission
Learn more Get LifeLock

Read LifeLock Review

Read Experian IdentityWorks Review

Both LifeLock and Experian are user-friendly and have clean, easy-to-use dashboards. There’s a lot to explore within each service, and we found that the information organization was comparable. Design is also important, and both dashboards are aesthetically pleasing and modern.

The biggest difference we found was access to customer support. Experian customer service was kind of terrible. Phone hours are limited, and there’s no chat option. We tried searching for answers, but we mostly got blog post suggestions. The FAQs weren’t very helpful either.

LifeLock offers more options, including a live chat. We didn’t find that helpful either, as the tech didn’t seem to be well-trained or knowledgeable. But LifeLock's community forums were incredibly helpful, so that’s a win.

Our experience with LifeLock customer service was less than ideal — the reps didn't seem to be knowledgeable about the plan features.

LifeLock chat session

Winner: LifeLock. While we weren’t in love with the support we received in chat, the community forums proved helpful.

LifeLock vs. Experian IdentityWorks FAQs


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Is there anything better than LifeLock?

We believe that Aura identity theft protection is one of the best, if not the best, services out there. Aura offers features like parental controls, safe gaming features with cyberbullying alerts, spam call and message protection, device protection, an identity theft protection service, and financial account monitoring. Aura’s prices are comparable to LifeLock’s first-year prices, but you can try the product for 14 days before purchasing.

Overall, we feel Aura offers more for your money and doesn’t dangle a pricey renewal fee over your head. If Aura isn’t your thing, our identity theft protection and credit guide can help you figure out what will work best for you.


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Is Experian identity theft protection worth it?

Yes, Experian IdentityWorks is a great, robust product. We liked the amount of features and the free plan that gives you some basic protection. It also uses MFA, a form of security that requires more than just a password to log in to your account.

In general, identity theft protection is always worth it. Like car insurance, you absolutely need it when something happens.


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What’s the difference between Experian and LifeLock?

There are a lot of similarities between Experian and LifeLock, but some of the key differences are the customer support options, access to FICO score, and a free plan. LifeLock offers better customer support options, while Experian offers monitoring and alerts on your FICO score, which can be accessed even from its free plan.

LifeLock vs. Experian IdentityWorks: which is better?

When looking between the two services, we determined that Experian IdentityWorks won. Experian IdentityWorks offers a free plan so you can get basic monitoring and a host of other features that we appreciate. Neither service has ideal customer support options, but both come up pretty equal regarding security and data protection. We will give LifeLock a shout-out for the community forum, but nothing beats reliable personalized customer support.

Overall, though, both of these options will give you a host of protections for both your identity and your other accounts. While LifeLock offers $3 million in identity theft insurance, more than its competitors, both services offer remediation specialists to help you, so you won’t have to navigate that alone. Whatever you decide, the best identity theft protection services keep you safe from hackers and identity thieves and give you a rounded view of your credit.

LifeLock vs. Experian IdentityWorks alternatives

If neither LifeLock nor Experian suits your needs, consider one of these alternatives. Identity theft losses can destroy your credit, take significant time, effort, and funds to clean up, and possibly even land you in some legal hot water. An identity theft protection service will help you fix any issues and restore your identity with ease and assistance.

  • Aura: Aura is chock-full of features, which is fine by us. We also love its features like parental controls and lost wallet remediation. If you’ve ever had your wallet lost or stolen, you can appreciate what a lifesaver it is to have a specialist on your side to restore all your information.

    Get Aura | Read Our Aura Review

  • Identity Guard: We like Identity Guard for its reasonable pricing and social media monitoring tools. Identity theft protection can be pricey, but Identity Guard offers basic protection that fits any budget. It’s even reasonably priced for family plans, which can often deter anyone wanting whole family protection without breaking the bank.

    Get Identity Guard | Read Our Identity Guard Review

  • IDShield: IDShield is an affordable identity theft protection service that fits any budget. We were super into the number of features and how easy it was to use when testing it. Check out this service if you want identity theft protection but don’t think it’ll fit your budget.

    Get ID Shield | Read Our ID Shield 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
Mary lives in Los Angeles and has been a cybersecurity writer for over five years. With a B.S. in Liberal Arts from Clarion University and an M.F.A. in Creative Writing from Point Park University in Pittsburgh, her career in online security began in sales and content creation for a private cybersecurity firm.