LifeLock Vs. Experian—Comparison and Alternatives
Is LifeLock different from Experian? Both LifeLock and Experian provide several similar services. Generally, regarding , both brand names are popular for helping clients protect their identities and credit profiles.
What Is Experian and What Does It Do?
Experian is an American-Irish multinational consumer credit reporting company that gathers, analyzes, and processes data in unique ways. Experian helps its clients take financial control and access various financial services. It holds your credit report that lenders can use to check your credit and financial behavior whenever you apply for credit.
What Is Lifelock and What Does It Do?
LifeLock is an American identity theft protection company that uses a system to monitor identity theft, credit score changes, and the use of personal information. LifeLock secures you from identity theft by closely monitoring your data for potential signs of hacking or theft. In addition, it provides Social Security Number alerts, credit monitoring, stolen funds reimbursement, data breach notifications, payday loan checks, credit file locks, etc.
Lifelock vs. Experian: How Do They Compare?
When comparing , you will see both have very similar service offerings. Below are features that help differentiate and compare Experian vs. LifeLock.
1. Free Credit Reporting and Monitoring
Monitoring your credit reports is an easy way to spot potential identity theft problems. With Experian and LifeLock, you will receive monitoring from a single credit bureau at the lowest price points. However, you will receive credit monitoring from all three bureaus at the highest price point for both services.
2. Dark Web Monitoring
Identity theft protection services utilize dark web monitoring for scanning criminal marketplaces and hacker forums that trade personal data. When you suffer ID theft, your data appears on such sites. LifeLock and Experian monitor these aspects of the internet for your information.
Experian allows you to run your dark web scan anytime via the service's dashboard. LifeLock alerts you when it discovers your data on the dark web.
3. Activity Alerts
Identity theft protection services' primary focus is the ability to provide you with prompt alerts in case something odd happens with your financial data. Such alerts are spontaneous, allowing you to take appropriate actions in a timely fashion.
Experian and LifeLock provide immediate alerts once they detect odd activities with your credit reports or any financial information. They monitor your bank accounts, credit card accounts, financial accounts, and SSN for anomalous activities.
|Free credit reporting and monitoring||Yes||Yes|
|Dark Web monitoring||Yes, but you have to scan yourself.||Yes, the system automatically sends you an alert when there is a hit.|
|Activity alerts||Immediate alerts||Immediate alerts|
Experian vs. Lifelock vs. Identity Guard
Identity Guard also provides identity theft protection services. It offers family and individual identity monitoring plans, including protective benefits such as data breach notification, dark web monitoring, and credit report tracking.
In comparison, Identity Guard sources its single-bureau credit reports from TransUnion, while LifeLock sources credit reports via Equifax. On the other hand, Experian is a credit bureau that sources single-bureau reports. Generally, they all source reports from all bureaus at upper membership tiers.
While LifeLock, Identity Guard, and Experian offer several similar services, each is perfect for different circumstances. Identity Guard includes high-risk transaction alerts and risk management scores, while LifeLock's 24/7 support is a significant plus. On the other hand, Experian provides its customers with an FAQs page and contact information should their customers need support with their products.
What About DoNotPay's Clean Credit Report?
DoNotPay's Clean Credit Report product offers similar services to Experian and LifeLock. DoNotPay provides customers with in-depth financial services, including cleaning up credit reports fast and effectively. Additionally, DoNotPay provides alternative financial products such as:
- Keeping unused cards active
- Credit limit increases
DoNotPay's products can also help secure your financial information from potential threats.
How to Clean or Secure Your Credit Report With DoNotPay
Here is how to use DoNotPay's Clean Credit Report product:
- Search Clean Credit Report on DoNotPay.
- Prepare a recent copy of your credit report that you can use as reference.
- Let us guide you through the four potential options:
- If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
- If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute with the creditor or major credit bureaus.
- If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report, and they can't collect it!
- Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.
You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more! Access DoNotPay from your web browser to get started on financial data protection.
Use DoNotPay for Alternative Services
DoNotPay can also provide reviews and insight into services provided by:
- Experian Boost
Experian, LifeLock, and Identity Guard provide top-notch financial data security. Each option includes credit report data protection against unauthorized access. However, DoNotPay provides comprehensive credit report services at reduced fees and faster processing. Sign up with DoNotPay today to learn more about securing your credit report information.