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Reduce the risk of identity theft

How Can Complete ID™ Alerts Help You?

No one can monitor their identity and their credit reports 24/7, but it’s not necessary with Complete ID.

Complete ID comes with around-the-clock credit report monitoring, dark web scanning, criminal record review and more. This allows Complete ID to send alerts as soon as suspicious activity takes place.

Unlike many credit monitoring services, Complete ID alerts are complimentary with your monthly service fee. Each alert comes with instructions on how to respond, so subscribers can cut through the confusion and get the support they need for a faster and easier recovery.

What is a Complete ID Alert?

After signing up for Complete ID, identity monitoring begins right away. A new subscriber can expect to get an alert on their mobile app or online account, or via email, in as little as 48 hours, with instructions on how to respond.

Subscribers should pay attention to these notifications since quick action may be needed, like calling the fraud department at a credit card company or contacting the police.

If necessary, the alert may also advise reaching out to one of Complete ID’s dedicated Identity Restoration Specialists. These agents can help with filing paperwork, making calls, placing fraud alerts, ordering documents and more.

Alerts don’t always mean something bad happened. In fact, Complete ID sends alerts to notify users of positive events, like when their credit score increases or their debt is paid off. If you recognize the activity posted in the notification, no action is needed.

What alerts are included with Complete ID?

Complete ID runs an extensive data check as soon as a new user signs up. This initial check includes searching for records and databases for 10 years back and searching for Social Security numbers since birth. Complete ID also includes ongoing, comprehensive monitoring and alerts. While the three most common alerts are real-time credit inquiries, new accounts and neighborhood watch, a list of common alerts Complete ID provides includes:

  1. Credit Monitoring Alerts1

    Complete ID comes with Three Bureau Credit Monitoring, so users get alerts when suspicious activity shows up on any of their three credit reports.

    For example, a user will get a real-time credit inquiry alert if someone applies for or opens up a credit account in their name, and Complete ID reaches out if a new mailing address shows up on a credit reports.

    Complete ID’s monthly VantageScore®2 Credit Update provides subscribers with changes on their Experian®
    credit score and debt balances.

  2. Criminal Record Alerts

    Complete ID scans warrants, jail booking data and millions of other court records for signs of criminal identity theft. If a fraudster uses a Complete ID subscriber’s name during an arrest or a court proceeding, the subscriber can be alerted in as little as 36 hours.

  3. Financial Account Alerts

    After signing up for Complete ID, users get daily monitoring of financial services databases across the country. Complete ID will send an alert if someone applies for or opens a new account in a user’s name, including a bank account, credit card or auto loan.

  4. Dark Web Alerts

    Complete ID’s Dark Web Surveillance scans the dark web for identity information and stolen credentials, like credit card numbers, passwords and Social Security numbers (SSNs). Users are alerted if their sensitive personal information is found.

  5. Mail Change Alerts

    An unexpected change of mailing address can be a huge red flag, since a criminal may be attempting to reroute checks or other sensitive items. Complete ID monitors USPS mail change requests and alerts subscribers to any changes associated with their name.

  6. Neighborhood Watch Alerts

    Complete ID’s Neighborhood Watch Monitoring scans state registries each month and sends users alerts if a registered sex offender moves into their neighborhood.

  7. Alternative Loan Alerts

    New subscribers will receive an initial Alternative Loan Monitoring report that includes data from the past five years. Complete ID also monitors ongoing activity from alternative loan companies, including online and in-person payday lenders. Subscribers will be alerted if their personal information appears in an alternative loan application or a new account.

  8. Social Security Number Alerts

    Complete ID subscriptions include Social Security number monitoring, with initial monitoring of records since birth. Subscribers are alerted if their Social Security number shows up in the wrong place, like the dark web, or if a new name or address are found in association with their Social Security number.

  9. Credit Lock3

    If a subscriber locks their Experian credit file, they will receive alerts when someone tries to pull their credit report. They will also receive alerts when they lock and unlock to confirm the action.

How to Get the Most out of Complete ID Alerts

Sign up for Complete ID to get comprehensive ID monitoring and alerts. Costco members can
subscribe for as little as $8.99 per person per month for Executive Members.4

During the sign-up process, be sure to fill out as much account information as possible. This includes a Social
Security number for each account user, plus email addresses, ID numbers and more. Complete ID monitors bank accounts, medical ID cards, driver’s licenses, passports, any retail or membership cards, and multiple credit cards. Child monitoring services5 can be added to cover children’s names and Social Security numbers.

1Monitoring with Experian begins within 48 hours of enrollment in Complete ID. Monitoring with Equifax and TransUnion takes approximately 4 days to begin.

2Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian indicates your credit risk level and is not used by all lenders; your lender may use a score that’s different from your VantageScore 3.0. Click here to learn more about this.

3Experian CreditLock™ is a separate service from a Security Freeze is an included feature in all Complete ID membership plans. This feature controls access to your Experian credit file and will not apply to your TransUnion or Equifax credit files. To learn more about Experian CreditLock and view the differences between a Security Freeze, Experian Credit Lock, and Fraud alerts visit

4$8.99 per person per month for Executive Members or $13.99 per person per month for Gold Star and Business Members, plus sales tax where applicable. Service provided by Experian®.

5Child Protection cost is in addition to the monthly price and subject to the same terms & conditions ($2.99 per month for Executive Members or $3.99 per month for Gold Star and Business Members plus applicable sales tax for up to 5 children). Children must be under 18 years old to receive Child Protection. Parent/Legal Guardian will need to pass a one-time guardianship verification process to receive alert content for children.

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Three Ways Complete ID™ Helps Recover Your Identity

The number of people dealing with the stress of identity recovery is rapidly increasing. According to Javelin Strategy & Research, identity fraud increased by 79% and 42 million U.S.

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How Can Identity Monitoring Help Keep Me Safe?

In 2021, more than 1.4 million incidents of identity theft were reported to the Federal Trade Commission. It may seem impossible to help protect yourself from identity theft when so much of our lives take place online.

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A credit report should be an accurate record of a person’s history of debt. But sometimes reports can include simple errors or even signs of credit fraud and identity theft.


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  • *$8.99 per person per month for Executive Members or $13.99 per person per month for Gold Star and Business Members, plus sales tax where applicable. Service provided by Experian®.