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Resources > Identity Protection > LifeLock vs. Experian—An In-Depth Comparison of Features, Pricing, and More

LifeLock vs. Experian—An In-Depth Comparison of Features, Pricing, and More

In an increasingly digital world, the threat of identity theft looms large, making it essential to safeguard your personal information. LifeLock and Experian are two prominent names in the identity protection space, each offering a range of features and services designed to keep your identity secure. Choosing the right service can be critical in protecting your information, finances, and peace of mind. This article provides an in-depth comparison of LifeLock vs. Experian, assessing their features and pricing to inform your decision when choosing an identity protection service.

Experian vs. LifeLock—An Overview

LifeLock, owned by Norton LifeLock, is a well-established name in the identity protection industry. It specializes in monitoring and protecting your personal information, credit, and identity. The company achieves this through a suite of services designed to detect, alert, and respond to suspicious activities related to your identity and finances.

Meanwhile, Experian is a globally recognized credit reporting company that extends its services to identity protection with IdentityWorks—Experian’s identity protection solution that focuses on credit monitoring with free credit reports and fraud prevention.

Features and Services

Both LifeLock and Experian provide a range of features for identity theft protection. To shed light on each service’s strengths and weaknesses, we’ll compare LifeLock’s and Experian’s features in the following key areas:

  1. Dark web monitoring
  2. Credit monitoring
  3. ID restoration
  4. Insurance and compensation
  5. Pricing

Dark Web Monitoring

Dark web monitoring involves actively scanning and tracking online spaces on the dark web to check if any of your personally identifiable information (PII), login credentials, or financial data is being traded without your consent. The goal of this monitoring is to provide you with timely alerts if your data is discovered in illicit online marketplaces. This allows you to take proactive measures to mitigate potential risks, such as:

  • Changing passwords
  • Implementing additional security measures
  • Reporting the incident to authorities or relevant parties

LifeLock promptly notifies you upon detecting any of your information on the dark web so you can take immediate action, such as updating passwords or security questions to render the dark web information obsolete. In contrast, with Experian IdentityWorks, you can initiate your own dark web scan using the service’s dashboard at your convenience.

Credit Monitoring

Both LifeLock and Experian provide credit monitoring services but with subtle differences. LifeLock offers complimentary credit reports and FICO® credit score updates every 90 days, providing a more detailed look into your credit history. Being a credit reporting agency, Experian closely integrates its credit monitoring service with its credit reporting services by offering real-time credit report updates.

In both LifeLock and Experian’s lower-priced tiers, you can benefit from credit monitoring provided by a single credit bureau. However, when opting for their premium packages that come at the highest price point, you can enjoy the advantage of credit monitoring from all three major credit bureaus.

ID Restoration

In the unfortunate event of identity theft, both LifeLock and Experian will provide you with the assistance of a U.S.-based fraud resolution specialist to guide you through the recovery process and address any fraudulent activity in your financial profile. It’s worth noting that Experian IdentityWorks lacks round-the-clock live customer service options, unlike LifeLock. However, in the case of identity theft, Experian ensures you can access assistance as soon as possible.

Insurance and Compensation

In terms of insurance and compensation, both services provide coverage of up to $1 million, depending on the pricing tier selected. This coverage includes assistance with legal expenses, but there’s a distinction between the two services. 

In all of its pricing plans, LifeLock offers up to $1 million in insurance as well as reimbursement for stolen funds, which ranges from up to $25,000 to up to $1 million based on the pricing tier. Meanwhile, Experian’s $1 million insurance coverage is exclusively available in its higher-priced tier.


LifeLock and Experian offer different pricing plans for their identity theft protection services, allowing customers to choose the option that best suits their needs and budget.

Here’s an overview of Experian’s IdentityWorks plans for individuals and families:

IdentityWorks Basic (Experian credit monitoring only)Free
IdentityWorks Premium (individual)$24.99 per month
IdentityWorks Premium (family)$34.99 per month

LifeLock also offers multiple plans with different pricing and benefits. Here’s what you can expect from its various pricing tiers:

LifeLock PlanIndividualFamily (Two Adults)Family (Two Adults and Five Children)
Ultimate Plus$34.99/month$69.99/month$79.99/month

Due to its broader range of pricing options compared to Experian, LifeLock makes it more convenient to locate a tier that aligns precisely with your requirements and financial considerations. In addition to offering plans tailored to individuals, couples, and families, LifeLock provides three distinct pricing tiers for each plan to allow for increased flexibility and customization.

Which Identity Protection Service Should You Choose?

When deciding which identity protection service to choose, it’s important to consider various factors. For example, LifeLock offers comprehensive protection but comes with expensive plans and high renewal fees after the first year, which can impact long-term affordability. Additionally, LifeLock has recently experienced a data breach, raising concerns about the security of its systems.

Meanwhile, Experian provides a free basic plan for credit file monitoring but offers limited identity theft monitoring in this plan. Additionally, its premium service can be costly, and the lack of customer service that’s available 24/7 may be a drawback for those who require round-the-clock assistance.

If you’re seeking an alternative that combines comprehensive protection with affordability, FreeKick emerges as an excellent choice. FreeKick not only provides robust identity theft monitoring but also includes credit building features for children. This makes it an ideal solution for families looking to safeguard their identities and nurture their financial future without breaking the bank.

FreeKick—Comprehensive Identity Protection and Credit Building (Coming Soon)

Powered by Austin Capital Bank, FreeKick offers a wide range of monitoring, protection, and recovery services to safeguard the identities of your entire family. With plans that cover up to two parents and six children between the ages of 0 and 25, you’ll be sure that your personal information is in good hands. Additionally, your children aged 14 to 25 will also benefit from parent-sponsored credit building.

Identity Protection Services

A child’s identity is stolen every 30 seconds, and FreeKick recognizes the critical nature of this problem. For this reason, FreeKick provides complete peace of mind for parents through its comprehensive security features tailored for both adults and minor children:

Services for Adult Children and ParentsServices for Minor Children
Credit profile monitoring
Social Security number monitoring
Dark web monitoring for personal information
Up to $1 million identity theft insurance
Full-service white-glove concierge credit restoration
Lost wallet protection
Court records monitoring
Change of address monitoring
Non-credit (Payday) loan monitoring
Free FICO® Score monthly
FICO® Score factors
Experian credit report monthly
Credit profile monitoring
Social Security number monitoring
Dark web monitoring for children’s personal information
Up to $1 million identity theft insurance
Full-service white-glove concierge credit restoration
Sex offender monitoring—based on sponsor parent’s address

Parent-Sponsored Credit Building and Credit Profile Monitoring

Every child deserves a strong financial foundation, and FreeKick offers just that through its automated credit building feature that helps improve the creditworthiness of your child from an early age. Building your child’s credit score early can potentially save them over $200,000 throughout their lifetime!

FreeKick has made this process simple—you can easily activate the credit building feature in your account dashboard once your child reaches the age of 14. Your child can then activate credit reporting when they reach the legal age, and a credit account of $1,000 will be reported to all three major consumer credit bureaus:

  1. Equifax
  2. Experian
  3. TransUnion

To kickstart your child’s credit journey, follow these steps:

  1. Create a FreeKick Account—Go to FreeKick.bank and choose a plan that suits your family’s needs and budget
  2. Set It and Forget It—After activating the credit building process, FreeKick will create a 12-month credit history for your child via a no-interest installment loan and continue to monitor their credit profile
  3. Keep Growing—Once the 12 month-term elapses, you can choose to renew your account to continue building your child’s credit score or terminate it and get a full refund of your initial deposit

FreeKick Pricing

Unlike most identity theft protection services, FreeKick offers flexible and affordable plans that are well-suited for families. Both plans come with FDIC insurance coverage of up to $250,000 and credit building for six children aged 14–25:

DepositAnnual Fee
$3,000$0 (Free)

Safeguard your family’s identities while building a solid credit profile for your children to secure their financial future—sign up for FreeKick today.