Verified
3.7
9.0
Overall Score
Complete ID is an identity theft protection product by Experian made available exclusively to Costco members. Complete ID's goal is to "deliver complete peace of mind at the best possible price."
While similar identity protection products will range between $19.99 to $29.99, Complete ID is offered for $8.99 per person per month for Executive Costco members and $13.99 per month for Costco Gold Star and Business members.
Complete ID provides credit monitoring services that include all three main credit reporting bureaus in addition to 12 different monitoring features, U.S.-based certified identity theft restoration, and up to $1 million in identity theft insurance*.
Customer Review: David Leftwich from Loudon, Tennessee
"The representative I spoke with at Complete ID was polite, helpful, and thorough in answering my questions. I am totally pleased with their service."
Read on to learn more about Complete ID's services and to read verified Complete ID reviews from customers.
Complete ID's identity protection plans start as low as $8.99 per month for each Executive Costco member.
For an additional $2.99, Executive Costco members can obtain child monitoring services. Gold Star members can obtain child monitoring services for $3.99 per month.
In comparison to other identity protection services, Complete ID does offer some of the most affordable identity theft protection coverage.
Additionally, Complete ID appears to go the extra mile and runs a comprehensive check on new customers (after their initial sign up) to see if there are any "previous or ongoing instances of ID theft."
Complete ID offers a large number of identity monitoring services, including credit monitoring from all three major credit bureaus (Experian, Equifax, and TransUnion). In terms of credit monitoring, the company offers monthly credit score updates (VantageScore), annual three-bureau VantageScores, annual three-bureau credit report, a financial dashboard, and credit alerts.
Potential customers should note that the company's credit monitoring service with Experian begins within 48 hours of enrollment in Complete ID and monitoring with Equifax and TransUnion takes approximately four days to begin.
In addition to its credit monitoring service, Complete ID offers financial account monitoring, criminal record monitoring, non-credit identity monitoring, dark web surveillance, payday loan monitoring, neighborhood watch alerts, mail change alerts, and social security number monitoring.
If any suspicious activity is detected, the company will issue a fraud alert to the customer.
Complete ID does offer a variety of other services included in its identity theft protection product. These include annual credit reports from all three credit bureaus and 24/7 customer support.
Complete ID provides customers with up to $1 million in identity theft insurance with no deductible. This policy covers and reimburses certain expenses if various identity theft situations, like data breaches or other forms of identity abuse, occur.
According to the Complete ID website, the company's identity theft insurance covers lost or stolen wages/income, attorney fees/legal fees, child care/elderly care, refiling loan expenses, and more. Complete ID also provides full-service identity restoration as well as lost wallet replacement assistance.
Complete ID customers can receive U.S-based customer service help around-the-clock.
For customers who find that they have fallen victim to identity fraud/identity theft, Complete ID offers direct communication with a designated identity theft restoration specialist.
The company's restoration specialists often offer an immediate plan of action for the theft. They walk customers who have has their identities stolen through the entire restoration process which can include calls on the customer's behalf and the filing of report paperwork.
Complete ID also provides customers with a full online list of potential steps they may have to take to recover from being an identity theft victim.
According to the Complete ID website, the Complete ID restoration "specialists can be granted limited power of attorney and can take action on your behalf."
For an identity theft protection company, Complete ID offers a good amount of online educational resources.
Complete ID has an entire education center section on its website dedicated to teaching people about identity theft.
Some of the topics covered under the education center section include how thieves commit identity theft and identity fraud, how identity theft can affect a credit score, how people can protect their social security numbers, what to look out for when it comes to your credit report, how to spot fraudulent/suspicious activity, and much more.
Both customers and non-customers can access Complete ID's online education center.
Complete ID does not provide a number of important services including credit card, checking, or savings account real-time alerts, data breach notifications, a service guarantee for lawyers and experts, or investment account activity real-time alerts.
The identity theft protection company's website does not seem to provide information regarding anti-virus software and customer-based mobile app options.
Complete ID offers a number of affordable identity protection services and several monitoring services including financial bank account monitoring, credit monitoring services for the major credit bureaus, as well as social security number monitoring, payday loan monitoring, and up to $1 million in identity theft insurance.
It's important to note that those who have an Executive, Gold Star, or Business Costco membership are able to purchase Complete ID's identity protection services at a lower rate than those who do not have a Costco membership.
In terms of insurance, the company covers lost or stolen wages, legal fees, and more after a theft takes place. Additionally, the identity protection service includes reliable identity restoration assistance which involves lost wallet replacement assistance.
On the Complete ID website, both customers and non-customers can access the company's online education center to learn more about identity theft.
Complete ID also provides real-time fraud alert notifications if there is any hint of suspicious activity, an annual credit report from each of the main bureaus, and 24/7 live customer support.
However, Complete ID fails to provide a number of important identity theft protection services. Additionally, the company does not appear to offer information about any anti-virus software. Customers who wish to enhance their personal device security may have to buy the software themselves. Additionally, there is a lack of information on the company's website regarding any mobile app options.
If you are interested in identity protection services, it is recommended that you read Complete ID reviews and conduct thorough industry research to see if Complete ID is the right company to help you protect your identity and personal information.
*The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company under group or blanket policy(ies). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. 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.
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James Paye West Bloomfield, MI
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11 months ago
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Franklin Guillenn Temecula, CA
11 months ago
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robert peare Sayville, NY
1 year ago
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C. R Germantown, TN
1 year ago
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R S Sacramento, CA
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Azntincan Flushing, NY
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Kip Campbell Auburndale, FL
1 year ago
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Michael Dimachki Dearborn Heights, MI
1 year ago
GEORGE JONES Phoenix, AZ
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Rima Massoud Sugar Land, TX
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Harvey Morse Scaly Mountain, NC
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Tom Zelle Chicago, IL
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Stephen Bobonich Stow, OH
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Diane San Leandro, CA
1 year ago
E.P. Elmira, CA
1 year ago
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1 year ago
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1 year ago
Adele Georgetown, TX
1 year ago
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Apr. 24th, 2019
Katheryn Mitchell Jackson, CA
2 years ago
Nabeel Culver City, CA
2 years ago
Erika Arnold Vancouver, WA
2 years ago
Karen Hayward, CA
2 years ago
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Jan. 10th, 2019
Theo A Newport Beach, CA
2 years ago
tk2fast Payson, AZ
2 years ago
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Dec. 13th, 2018
Norbert Wessely Oneida, WI
2 years ago
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Dec. 12th, 2018
William Miska Staten Island, NY
2 years ago
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Dec. 13th, 2018
Jessie L Jacksonville, FL
2 years ago
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Nov. 27th, 2018
Jay Island Park, NY
2 years ago
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Oct. 29th, 2018
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