Identity Theft

LifeLock Vs Experian IdentityWorks: Which Protects Your Identity Best?

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Scam artist holding laptop (Caption: LifeLock vs Experian IdentityWorks)LifeLock and Experian are two of the biggest names in the identity theft protection industry, but which service is your best bet to protect you from ID theft — and to help you recover if you become a victim of fraud.

We put these services head to head to see how they compare for the most crucial factors you need to consider for ID theft protection: ID and credit monitoring, customer and resolution support, pricing, and other benefits.

Visit LifeLock | Visit Experian IdentityWorks

LifeLock has been a leading ID theft protection company since launching in 2005. In late 2016, cybersecurity giant Symantec (now owned by Broadcom) acquired LifeLock (you get Symantec’s popular Norton antivirus protection with every LifeLock subscription). LifeLock was named in the 2018 Online Trust Top 50 Honor Roll for excellent consumer protection and data security.

Experian IdentityWorks has one advantage over other ID theft services that include credit monitoring. Why? Experian is one of the 3 major credit bureaus in the U.S., but this level of crediting clout doesn’t necessarily translate to comprehensive identity theft monitoring.

Feature Comparison

Monitoring Coverage

Both services offer some of the best coverage on the market and monitor everything from your personal information, court records, bank accounts, credit cards, credit bureaus and even the sex offender registry in your area.

LifeLock has an edge by keeping an eye on your investment account activity and driver’s license number. On the other hand, Experian gives you your credit scores and reports from the 3 credit bureaus every 90 days, while LifeLock only provides these annually. LifeLock & Experian logos

Winner: LifeLock Experian (Tie)

Customer Service & Reputation

LifeLock is the clear winner of this category. It stands out for its exceptional U.S.-based customer support and provides 24/7 access to ID theft specialists as well as general member services. LifeLock also has an impressive knowledge base on its website about all things identity theft.

Experian is another story. After researching customer feedback for this company, our takeaway is: its customer service is way below par, not only compared to LifeLock but also many other identity theft protection services.

Experian support complaints run the gamut, from not being able to get anyone on the phone (although they advertise support hours) to uninformed and rude service representatives.Lifelock logo

Winner:  LifeLock 

Recovery Services

LifeLock provides full recovery services and 24/7 access to fraud specialists. The great thing about this service is that its team of experts takes care of most of the recovery process for you, including contacting your financial institutions and handling paperwork and all the details to restore your identity.

Experian claims on its website that it has dedicated fraud resolution support, but it’s unclear what this service includes. Based on customer feedback, Experian doesn’t appear to offer much in terms of recovery services (on top of poor customer support).

Both LifeLock and Experian provide up to $1 million in reimbursement insurance, and LifeLock also provides up to $1 million in stolen funds reimbursement (Experian does not).Lifelock logo

Winner: LifeLock 

Mobile Access

Both Experian IdentityWorks and LifeLock have mobile apps with overall decent reviews and ratings from Google Play and iTunes. However, LifeLock’s mobile apps give you a bit more functionality for your identity theft needs. Experian’s apps mainly focus on credit monitoring.Lifelock logo

Winner: LifeLock 

Family/Child Coverage

Experian’s family plans are among the most affordable on the market. LifeLock only offers a child add-on option ($5.99/month per child) that’s expensive compared to many LifeLock competitors.

With Experian, you can cover two adults and two children (up to 10 kids) for $29.99 per month. To get the same level of coverage for a family of four with LifeLock, you’ll end up spending more than $70 per month.Equifax logo

Winner: Experian


How do Experian IdentityWorks plans and LifeLock plans compare? You’re going to save more with Experian — a lot more, especially if you’re a couple or have children. Let’s look at each company’s highest-tiered plans, which are the most comparable for coverage and features. At $29.99/month, LifeLock’s Ultimate Plus plan is much higher than average, while Experian’s Premium Plan costs $19.99/month.

And when you take pricing for a couple and children into consideration for each company’s highest-tiered plan, LifeLock will run you nearly $60/month for 2 adults (kids are an additional $5.99 each/month). For only $29.99/month with Experian, you can protect 2 adults and up to 10 kids.Equifax logo

Winner: Experian

Detailed Plan Comparison

The pricing for each plan below is for one adult. Experian gives you a 17% discount if you pay annually. LifeLock offers a 60-day money-back guarantee with an annual subscription, but it kicks up your monthly cost by $3-$5 after your first year of service.

Experian Experian LifeLock LifeLock LifeLock
IdentityWorks Plus IdentityWorks Premium Standard Advantage Ultimate Plus
Visit Website Visit Website Visit Website Visit Website Visit Website Visit Website
Price Per Month $9.99/month $19.99/month $8.99/month $17.99/month $19.99/month
Free Trial 30 days 30 days 30 days
U.S.-Based Agents 24/7 Checkmark Checkmark Checkmark
Full Identity Recovery Support Checkmark Checkmark Checkmark
SSN Monitoring Checkmark Checkmark Checkmark Checkmark Checkmark
Driver’s License Monitoring Checkmark Checkmark Checkmark
Credit Card Monitoring & Activity Alerts Checkmark Checkmark Checkmark
Bank Account Monitoring & Activity Alerts Checkmark Checkmark Checkmark
Address Change Verification Checkmark Checkmark USPS Address Change Verification USPS Address Change Verification USPS Address Change Verification
Lost Wallet Assistance Checkmark Checkmark Checkmark Checkmark Checkmark
Alerts for New Account Attempts Checkmark Checkmark Checkmark
Dark Web Monitoring Checkmark Checkmark Checkmark Checkmark Checkmark
File Sharing Network Searches Checkmark Checkmark
PC Antivirus Software Checkmark Checkmark Checkmark Checkmark Checkmark
Payday Loan Monitoring Checkmark
Investment Account Activity Alerts Checkmark
Court Records Scanning Checkmark Checkmark Checkmark
Sex Offender Registry Reports Checkmark Checkmark
Fictitious Identity Monitoring Checkmark Checkmark
3-Bureau Credit Monitoring Checkmark Checkmark 1 Credit Bureau Checkmark
Receive Credit Reports and Scores 3 Credit Bureaus (Quarterly) 1 Credit Bureau (Annually) 3 Credit Bureaus (Annually)
FICO Score Alerts Checkmark Checkmark
Stolen Funds Replacement Up to $25,000 Up to $100,000 Up to $1 million
Personal Expense Reimbursement Insurance Up to $500,000 Up to $1 million Up to $25,000 Up to $100,000 Up to $1 million
Coverage for Lawyers & Experts Included in Reimbursement Insurance Included in Reimbursement Insurance Up to $1 million Up to $1 million Up to $1 million

Experian Family Plans

IdentityWorks Plus IdentityWorks Premium
One Adult And Up To 10 Children $14.99 $24.99
Two Adults And Up To 10 Children $19.99 $29.99

Overall Winner

LifeLock comes out on top for its superb identity theft protection and recovery services, but this doesn’t come cheap. Is LifeLock worth it? Yes, if your budget affords it. LifeLock’s Ultimate Plus plan offers some of the most comprehensive monitoring and recovery services available.

Experian IdentityWorks could be a decent option if your primary concern is your budget, especially if you have more than one family member you want to cover. But Experian falls short on its overall identity theft services compared to LifeLock.

We’re also troubled by all the complaints about their customer support and seeming lack of recovery assistance. If you’re more concerned about credit monitoring, Experian deserves serious consideration — especially because it’s one of the three main credit bureaus in the U.S.Lifelock logo

Winner: LifeLock 

Want to learn more about LifeLock? Take a look at our in-depth LifeLock review for more information on this company.

Before deciding on an ID theft protection service, we encourage you to check out our comprehensive reviews of a dozen identity theft protection services. See how Experian and LifeLock stack up to the competition. If you’re more concerned about your credit, be sure to read our credit monitoring service comparison.

Sally Jones

While attending the University of North Carolina at Chapel Hill’s graduate school for journalism and public relations, Sally began a long career researching and writing about hard-to-understand topics, such as insurance and finance. Her additional experience in marketing, fundraising, public relations and financial planning at various foundations and nonprofit organizations over the years has given her the practical tools to inform consumers about making the smartest business and personal financial decisions. Her work has appeared in many notable media outlets, including The Washington Post, Entrepreneur, People, Forbes, Huffington Post, and more. Speaking of smart living — growing up in the (at-the-time) per-capita murder capital of the U.S. (Richmond, VA) taught her a thing or two about the need for personal and home safety. Sally stays on top of all the latest gadgets and services to protect her and her teenage daughters from potential predators and thieves. And she brings this knowledge to every article she writes.

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