Complete ID by Costco is a comprehensive identity theft protection service designed to provide robust security and monitoring for its users, particularly those who are Costco members. Here’s an overview of what the product does and its key features:
What Complete ID Does
Complete ID is a service that protects users against various forms of identity theft by continuously monitoring their personal and financial information. Developed in partnership with Experian, one of the major credit bureaus, Complete ID offers a range of services aimed at detecting, alerting, and restoring identity in case of theft.
Key Features and Functionality
Identity Monitoring
- Dark Web Surveillance: Complete ID scans the dark web to identify any instances of your personal information being shared or sold, including email addresses, phone numbers, and other sensitive data.
- Personal Information Monitoring: The service monitors your Social Security number (SSN), driver’s license, passport, medical ID, and other personal identifiers for suspicious activity.
- Criminal Record Monitoring: It tracks court system records, incarceration records, and Department of Corrections records to identify any crimes committed using your identity.
Credit Monitoring
- Three-Bureau Credit Monitoring: Complete ID provides credit monitoring from all three major credit bureaus (Experian, Equifax, TransUnion), including monthly credit updates and annual three-bureau credit reports.
- Credit Alerts and Locks: Users receive credit alerts and have access to Experian CreditLock, which helps in securing their credit information.
Financial Account Monitoring
- Financial Account Alerts: The service monitors various financial accounts, including credit cards, debit cards, bank accounts, and retail or membership cards, alerting you to any suspicious activity such as account takeovers or new account openings.
Additional Protection Features
- Mail Change Alerts: Complete ID monitors USPS address changes to prevent mail forwarding by identity thieves.
- Social Media Monitoring: It monitors connected social media accounts for privacy and reputation risks, currently supporting Facebook, Twitter, Instagram, and LinkedIn.
- Neighborhood Watch: The service alerts users about registered sex offenders in their area and checks if any offenders are using their identity.
- Alternative Loan Monitoring: Complete ID notifies users of any alternative lending activities associated with their monitored personal information, such as payday loans or title loans.
Identity Restoration Services
- 24/7 Customer Support: Users have access to round-the-clock customer support and a designated restoration specialist in case of identity theft.
- Identity Theft Insurance: Complete ID offers up to $1 million in identity theft insurance to cover related expenses.
- Lost Wallet Replacement Assistance: The service also provides assistance in replacing lost or stolen wallets, including credit cards and other important documents.
Pricing and Plans
Complete ID offers various plans tailored to different family structures, with pricing varying based on the type of Costco membership (Executive, Business, or Gold). The plans include:
- One Adult: Starting at $8.99/month for Executive Members and $13.99/month for Business & Gold Members.
- One Adult Children: Starting at $11.98/month for Executive Members and $17.98/month for Business & Gold Members.
- Two Adults: Starting at $15.99/month for Executive Members and $25.99/month for Business & Gold Members.
- Two Adults Children: Starting at $18.99/month for Executive Members and $29.99/month for Business & Gold Members.
Overall, Complete ID provides a comprehensive and affordable solution for identity theft protection, credit monitoring, and identity restoration, making it a valuable option for Costco members seeking robust security for their personal and financial information.