Identity Guard vs. Complete ID 2024: Are You Looking for Innovation or Affordability?

Identity theft continues to plague consumers, with incidences only rising year after year. According to surveys, over 23 million Americans fell victim to identity fraud in 2022 alone – a shocking figure. As cybercriminals use increasingly sophisticated methods like phishing and database breaches to obtain sensitive information, proactive measures become necessary to safeguard one‘s identity and assets. This is where identity theft protection services like Identity Guard and Complete ID prove useful. They provide continuous monitoring, alerts, and restoration support if your identity is compromised.

But should you choose Identity Guard for its leading-edge features? Or Complete ID for its budget-friendly plans? This comprehensive comparison will help you make the most informed decision.

Surging Cases of Identity Theft Fuel Need for Protection

It seems like data breaches dominate headlines almost daily, with major companies like Microsoft, Okta and T-Mobile disclosing security incidents impacting millions of customers. Hackers prey on known vulnerabilities to steal troves of personal information. They then sell it cheaply on the dark web or exploit it themselves for financial gain.

According to a 2022 survey by AARP, cases of identity fraud reached all-time highs in the United States. Over 23 million Americans were impacted, up from 21 million victims the prior year. The total losses amounted to a staggering $52 billion.

Some key statistics that showcase the severity of the issue:

• There were over 1,300 reported data breaches in 2022, a 68% year-over-year increase.
• Credit card fraud made up 25% of all identity theft reports, followed by employment or tax-related fraud (21%) and phone or utilities fraud (14%).
• The average loss per victim was around $2,000.
• Over 37 million identity theft exposures were detected on the dark web last year.

With rising numbers of security failures and sensitive data readily available to criminals, experts forecast identity theft cases will continue to climb over the next several years.

How Identity Theft Protection Services Safeguard Your Data

Identity theft protection services have become almost indispensable in this environment of rampant data vulnerabilities. They provide ongoing monitoring to detect misuse of your personal information and offer expert assistance if you do become a victim.

While specific features vary across providers, some common offerings include:

• Comprehensive credit monitoring – continuous surveillance of your credit reports at all three bureaus to spot suspicious transactions or accounts opened fraudulently in your name.

• Dark web monitoring – frequent scanning of underground dark web sites and forums where stolen personal data like SSNs are bought and sold. Alerts you if credentials are detected.

• Identity restoration support – fraud resolution specialists provide hands-on help with all aspects of identity recovery if you experience any fraud.

• Lost wallet replacement – assistance replacing all forms of identification and cards if your wallet is lost or stolen. Prevents criminals from exploiting it.

• Insurance coverage – many providers include up to $1 million in identity theft insurance to cover out-of-pocket recovery costs and lost wages.

• Real-time alerts – immediate notifications by email, text or phone of any suspicious transactions so you can take quick action.

These layers of monitoring and protection make it much harder for fraudsters to misuse your data without detection. And expert assistance saves you the headache of managing recovery independently. With over 12 million Americans impacted by identity theft just last year, these services provide invaluable peace of mind.

An In-Depth Look at Identity Guard

Founded in 2009, Identity Guard is now a widely used and top-rated identity theft protection service. They focus heavily on leveraging intelligent technology and automation for maximum effectiveness.

Identity Guard‘s key capabilities include:

• AI-driven monitoring that detects high-risk transactions by analyzing out-of-pattern behavior. Prevents many threats before they turn into actual fraud.

• Dark web monitoring across a vast network of underground websites and criminal forums. Alerts you quickly if personal information is found.

• Alerts for suspicious social media logins to protect your accounts from takeover.

• Monthly credit scores so you can track for any suspicious changes.

• Identity recovery services with certified protection specialists based in the U.S.

• Virtual private network (VPN) for securing connections on public WiFi networks.

• Password manager helps you generate secure passwords and store them safely.

Identity Guard is highly-rated, with 4.5 out of 5 stars on Trustpilot based on over 11,000 reviews. Users consistently praise their innovative technology and responsive customer service.

With plans ranging from $6.67/month for basic up to $39.99/month for ultimate protection, Identity Guard offers a plan fit for any budget. They also have individual and family options covering up to 10 people.

Pros of Identity Guard

• Intelligent monitoring via artificial intelligence that outperforms basic rules-based systems. Provides true 24/7 surveillance.

• Many ways to customize your plan with various add-ons so you only pay for services needed.

• Additional features like the password manager and VPN add value.

• Highly reputable service used by over 1 million customers.

• Responsive U.S.-based customer support available 6 days per week via phone and email.

Cons of Identity Guard

• Higher pricing on upper tier plans compared to some competitors.

• Website and mobile apps could use modernization – not the most user-friendly experience.

• Occasional false positives on high-risk transaction alerts more than other services based on user reviews.

• Lacks family plan options beyond just 5 adults – other providers offer plans protecting 10+ adults.

So Identity Guard offers an innovative approach to identity protection suitable for savvy individuals looking for maximum protection. But the higher pricing and potentially steeper learning curve may deter some consumers.

Complete ID Overview: Simple, Affordable Family Protection

Complete ID takes a different approach – emphasizing simplicity, affordability, and family-focused plans. Developed by Experian in 2021, Complete ID leverages the credit bureau‘s extensive fraud detection capabilities.

Complete ID‘s offerings include:

• $1 million identity theft insurance covering costs to restore your identity and lost wages.

• Dark web monitoring for stolen credentials, financial records, and personal data.

• Credit reports and scores provided by TransUnion, Experian, and Equifax.

• Family plans covering children and adults with pricing per member.

• U.S.-based recovery services with dedicated support agents.

• Neighborhood watch alerts if registered sex offenders move nearby.

Complete ID plans range from just $8.99 per month for one adult up to $18.99 per month for two adults and up to five children. They emphasize simplicity and ease of use for customers not looking for lots of complex features.

In Trustpilot reviews, Complete ID earns 4 out of 5 stars based on over 5,000 evaluations. Customers highlight the affordable pricing and quality customer service.

Pros of Complete ID

• Very affordable pricing, especially family plans covering multiple members.

• Straightforward, easy-to-use service great for those less tech-savvy.

• 24/7 live customer support via phone helpful for emergencies.

• Strong backing from large credit bureau Experian.

• Sex offender alerts provide unique protection for families with children.

Cons of Complete ID

• Lacks more advanced features like AI-powered monitoring offered by competitors.

• Support options less robust with no email or chat, just phone and online.

• User interface a bit dated compared to more modern, updated competitors.

• Credit scores provided only annually unlike monthly tracking with some other services.

• Upgrade limitations – can‘t easily customize features beyond set plans.

So Complete ID focuses on delivering core identity protection capabilities through straightforward, inexpensive plans. But the tradeoff is having fewer robust features or modern interfaces.

Head-to-Head Comparison of Identity Guard vs Complete ID

While both services deliver extensive identity theft protection, there are some key differences for shoppers to consider:

	Identity Guard	Complete ID
Pricing	$$-$$$	$-$$
Ideal user	Tech-savvy users	Budget-conscious families
Strengths	Innovative AI-based monitoring, password manager	Low pricing, simplicity, Experian backing
Weaknesses	Expensive premium plans, complex UI	Lacks advanced features, outdated UI
Plans	Customizable with ability to add on features	Pre-set plans focused on families
Monitoring capabilities	AI-powered monitoring for maximum threat detection	Solid monitoring but lacks AI sophistication
Credit reports	Monthly credit score tracking, annual full reports	Annual full reports only
Mobile apps	Available on iOS and Android but dated interface	Decent apps but a bit clunky
Insurance coverage	Up to $1 million	Up to $1 million
Customer support	Good options via phone and email	24/7 phone support

Based on these differences, Identity Guard is likely the better fit for tech-savvy users wanting maximum customizable protection. But Complete ID appeals to families simply seeking solid coverage at affordable pricing.

Monitoring and Alerts Comparison

It‘s also helpful to take a deeper look at how the core monitoring and alert features stack up between these two popular services:

• Credit monitoring – Both Identity Guard and Complete ID provide monitoring across TransUnion, Experian, and Equifax to spot suspicious credit inquiries or accounts. Complete ID may have a slight edge given its direct Experian ties.

• Dark web monitoring – Each service monitors a broad network of underground sites and criminal forums for personal data. Identity Guard likely has more advanced detection through AI.

• Fraud alerts – The alert capabilities are similar for financial transactions, credit cards, account logins, etc. Identity Guard offers additional options like social media monitoring.

• ID recovery services – Full white-glove support is available from both providers if your identity is compromised. Identity Guard touts its US-based agents while Complete ID offers 24/7 phone access.

• Insurance – Up to $1 million in identity theft insurance comes standard. The claims process is straightforward with both as well.

So while Identity Guard provides some more robust options, the core monitoring and alerts are relatively on par between these top services. Complete ID still delivers comprehensive protection for more casual users.

Security Comparison

On the all-important security front, Identity Guard and Complete ID again share many best practices:

• Two-factor authentication – Both services allow you to enable 2FA for enhanced account security beyond just a password. This prevents unauthorized logins.

• Reasonable data practices – They collect the minimum personal information required to power their monitoring features and services. This data may be shared with partners/law enforcement if required.

• Encrypted data – Any personal data stored is encrypted both in transit and at rest to safeguard it from potential attacks.

Identity Guard appears to be more selective in vetting third parties before sharing information. But overall, both vendors exhibit secure protocols for handling sensitive user data. You can feel comfortable your information is guarded.

Customer Support Comparison

The customer support options diverge more significantly:

• Availability – Complete ID offers 24/7 live phone support which can provide immediate help in case of an identity theft emergency. Identity Guard‘s phone support is limited to Monday-Saturday hours.

• Channels – In addition to online resources, Complete ID provides phone support. Identity Guard also offers email as an alternative to phone if preferred.

• Responsiveness – Both services offer knowledgeable, friendly service. But Complete ID‘s average phone wait times are generally shorter than Identity Guard based on reviews.

So Complete ID pulls ahead for customer service by providing round-the-clock phone access. Yet Identity Guard still offers solid support through email or phone during regular business hours.

Making the Right Choice for Your Family

When choosing between Identity Guard and Complete ID, start by carefully considering:

• Your budget – Complete ID offers strong savings, especially for family plans. But Identity Guard provides more robust features to potentially justify higher pricing. Choose the plan that aligns with what you can afford long-term.

• Needed features – Do you want just core protection or more advanced capabilities like AI monitoring and social media alerts? Pick the provider that has the features that matter most to your situation.

• Your tech comfort level – Identity Guard requires a bit more digital proficiency to manage customizable plans. Complete ID is simpler for low-tech users.

• Number of people to protect – Complete ID specializes in inexpensive family packages. But Identity Guard also lets you add kids and adults.

• Customer support needs – Prefer 24/7 availability or more options like email? Factor in when and how you may need help.

Taking the time to carefully weigh these elements will lead you to making the optimal choice between these two capable services. And don‘t forget to also explore other top contenders like LifeLock if neither feels like an ideal fit. Your family‘s protection deserves only the best.

Common Questions About Identity Guard and Complete ID (FAQ)

Is Identity Guard worth the higher price?

For individuals wanting maximum customizable protection, Identity Guard‘s robust monitoring and supporting features make it likely worth the price premium over more basic competitors. But it depends on your budget and needs.

Does Complete ID offer the same value as LifeLock?

While LifeLock has more extensive capabilities, Complete ID focuses on delivering core essentials for very affordable rates. For families especially, Complete ID can provide sufficient protection for much lower pricing versus LifeLock.

Can I cancel Identity Guard or Complete ID at any time?

Yes, both services allow you to cancel at any time even mid-contract. To avoid any subscription renewal fees, be sure to contact their support team by phone or email to formally close your account.

How do Identity Guard and Complete ID help if I‘m a victim of identity theft?

Both providers assign dedicated case managers to fully handle identity restoration for you. This includes contacting agencies, placing fraud alerts, reviewing reports, coordinating paperwork, and more.

Can someone steal my identity just using my name and email address?

Simply a name and email is rarely enough for full identity theft on its own. However, it‘s a start for hackers who can then try obtaining more data like account numbers. So it‘s ideal to keep even basic personal information private.

Is identity theft protection worth paying for monthly?

Given the skyrocketing instances of identity theft, most experts recommend proactive monitoring and protection. Paying a reasonable monthly fee can provide peace of mind and potentially save you from a devastating identity theft ordeal.