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Trust, Value and Quality:
The Costco Way

Costco Complete ID logo

When Costco members step into a warehouse, they expect quality products, value, and first-class treatment from each and every dedicated employee.

The world outside can be a different story. With the many advantages of modern technology comes risk — specifically, the opportunity for private information to fall into the wrong hands. And it’s extremely difficult for people to monitor their identities at all times.

Identify Theft Protection & Credit Monitoring

Complete ID Helps Protect Your Personal Peace of Mind

identity monitoring services displayed on phone screen

Complete ID Helps Protect Your
Personal Peace of Mind

That's why Experian provides Costco members a comprehensive suite of identity and credit monitoring features that helps safeguard your personal information, backed by a dedicated customer service team. Better yet, Experian offers Costco members competitive rates: $8.99 per person per month for Costco Executive Members and $13.99 per person per month for Costco Business and Gold Star Members.

Complete ID Costco Executive Member card
Executive Members $8.99 Per Person Per Month
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Complete ID Costco Gold Star Member card
Business & Gold Star Members $13.99 Per Person Per Month
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Costco Complete ID logo

Complete ID Provides Premium Resources to Help Protect and Restore Your Information

Costco members shouldn’t have to worry about identity theft or restoring their credit — or their good name — if fraud occurs. Complete ID monitors several sources of potential identity theft, alerts you to suspicious activity, and responds whenever you need so you can live with less worry.

Helping protect over 55,000 individual Costco members with an identity protection plan from Complete ID.
Here’s our Approach:
identity protection status check
Identity Status Check

After an easy and quick sign-up, Complete ID provides a comprehensive data check to establish and confirm your identity status.

credit reports and updates
Credit Reports and Updates

Complete ID gives you credit report access and updates, and we allow you to track your VantageScore1 over time.

comprehensive identity monitoring
Comprehensive Monitoring

Complete ID technology can detect potential identity theft from thousands of sources worldwide.

alerts and advice from Costco Complete ID
Alerts and Advice

You'll be notified when there are changes or unusual activity, and will receive a recommendation on what to do next.

reliable support from Costco Complete ID
Reliable Support

Support is provided 24/7 from a live, U.S.-based identity protection team to address questions or concerns.

identity recovery and insurance from Costco Complete ID
Recovery and Insurance

If someone uses your information for an unlawful purpose, dedicated experts will help you restore your identity and credit. Up to $1 million insurance (with zero deductible) is provided for costs associated with the identity theft, such as hiring an attorney or lost wages.2

Complete ID Offers Comprehensive Monitoring
360ºComplete IDMonitoring
Internet
Surveillance
3-Bureau
Credit
Monitoring
Mail
Change
Alerts
Neighborhood
Watch
SSN
Monitoring
Criminal
Record
Monitoring
Payday
Loan
Monitoring
Child
Monitoring
Financial
Account
Takeover
Services
VantageScore
Updates
Complete ID Offers Comprehensive Monitoring

Internet Surveillance

The "dark web" is where criminals engage in the online buying and selling of illicit goods, including your personal data. Surveillance alerts you anytime it is detected that your identity may have been compromised across millions of sites.

3-Bureau Credit Monitoring

We monitor your credit report from Equifax®, Experian® and TransUnion®, and we'll alert you to key changes–helping you stay on top of things, and enabling you to respond quickly to potentially suspicious activity.

Mail Change Alerts

Identity thieves may also target your physical mail to collect important personal information — and consumers can't monitor the postal service on their own. This service monitors the USPS for you, informs you if your mail has been redirected, and provides clear instructions on what to do next.

Neighborhood Watch

This vigilant ID protection feature looks out for both your family and your personal data. You’ll know if a registered sex offender lives in or relocates to your neighborhood. We'll also notify you if we find your identity matches any names in the national sex offender registry to help you avoid potential harm to your reputation.

SSN Monitoring

Your Social Security Number (SSN) might be the most important code you have (other than your Costco Member ID!). We’ll monitor for any names and aliases associated with your SSN and notify you anytime we detect a new one.

Criminal Record Monitoring

We check millions of court and arrest databases for your identity and alert you if we find a match. That way, you’ll have a chance to clear up any mistakes before they might harm your reputation.

Payday Loan Monitoring

Also known as a "non-credit loan," a payday loan can be an easy source of fraud. We’ll alert you if we find that anyone has taken out a payday loan in your name.

Child Monitoring

Complete ID can also help you protect what you value most: your children. We'll monitor for credit activity and scan the dark web for compromised data for up to 5 children under the age of 18.

Financial Account Takeover Services

If thieves have your personal information, bank and credit accounts are often their first stop. We'll alert you anytime we detect applications, openings, or changes to your bank and credit accounts.

VantageScore Updates

Complete ID provides monthly Experian VantageScore updates and annual 3-bureau VantageScore updates, all of which you can track on our easy-to-use graph.

Exec Card Executive Members $8.99 Per Person Per Month Sign Up Exec Card
Gold Card Business & Gold Star Members $13.99 Per Person Per Month Sign Up
Last year, fraud victims and costs reached an all-time high, and the consequences are often serious.

What is identity theft?

  • 1
  • Identity thieves steal or hack your personal information (SSN, passwords, etc.)

  • 2
  • ID thieves attempt to access as many of your accounts as possible

  • 3
  • ID thieves use your information to harm you financially (e.g., open credit cards and take out loans in your name)

  • 4
  • ID thieves also can sell your information to others or harm your reputation (with fake criminal records, for example)

Identity theft not only harms your credit and finances — it can also damage your reputation.

How Your Credit Information Can Help You Spot Identity Theft

Costco chose Experian as its exclusive identity theft protection provider because Experian does more than provide comprehensive protection and recovery services. With more than 20 years of knowledge and experience, Experian also educates Costco members about how credit works and how identity theft often occurs.

For example, the following four instances are common indicators of potential identity theft:

  • Credit Report Mistakes
  • Addresses You Don't Recognize

    Once an identity thief gets ahold of your personal information, they may attempt to sign up for credit card accounts and loans using a different address. If the current or previous addresses on your credit report aren't correct, it could be a sign of identity theft.

  • Delinquent Accounts
  • Delinquent Accounts You Don’t Recognize

    Some identity thieves fraudulently use personal information for medical expenses or to apply for payday loans that don’t require a credit check. When the criminal doesn’t pay the bill, the account is deferred to collections and appears as a delinquent account on your credit report.

  • Credit Lines
  • Lines of Credit You Don’t Recognize

    Criminals may use an element of your identity to open a new credit card account or even apply for a mortgage or a car loan. If you spot an account that you don’t recognize, it could be an indication of identity theft.

  • Unknown Names
  • Names You Don’t Recognize

    Your credit report will reflect the various names you’ve used when applying for credit. This may include variations — think John Doe vs. J. Doe — and maiden names. A completely different name on your report may indicate identity theft.

Exec Card Executive Members $8.99 Per Person Per Month Sign Up Exec Card
Gold Card Business & Gold Star Members $13.99 Per Person Per Month Sign Up
child identity monitoring
Child Identity Monitoring

For an additional $2.99 a month for Executive Members and $3.99 for Business and Gold Star Members (covers up to 5 minors), Complete ID checks for fraudulent names, addresses, and aliases associated with your child's Social Security number. The dark web is scanned for your children's personal information. If activity is found in your child's name in either case, you'll receive an alert and clear instructions on what to do next.3

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Experian is proud to answer Costco’s call for quality and value with a robust package of services to empower you. A few of those features are highlighted below that many Costco members appreciate:

  • Internet Surveillance
  • Internet Surveillance

    Public and criminal databases are monitored online and you are notified with instructions if it is discovered that someone has traded or sold your information.

  • Neighborhood Watch
  • Neighborhood Watch

    Complete ID lets you know if a registered sex offender is living or moving into your area so you can be better prepared to make decisions for your family. You also will be alerted if your name appears in a sex offender registry to help you avoid potential reputational harm.

  • Child Monitoring
  • Child Identity Monitoring

    For an additional $2.99 a month for Executive Members and $3.99 for Business and Gold Star Members (covering up to 5 minors), Complete ID scans the dark web for your children's personal information, monitors for credit activity in their names, and advises you if anything unusual is detected.3

family browsing the internet on a tablet

Costco constantly stocks its warehouses with valuable products and samples aplenty throughout the store. You'll also see kiosks with information about our providers' quality products and services that help improve members' lives.

Costco chose Experian to join that trusted family of providers to help make members lives easier. Identity theft is an unfortunate fact of an increasingly digital world. Signing up with Complete ID from Experian is a proactive step toward protecting your identity. Think Costco First.

Exec Card Executive Members $8.99 Per Person Per Month Sign Up Exec Card
Gold Card Business & Gold Star Members $13.99 Per Person Per Month Sign Up

1VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.

2Insurance is provided by Assurant Financial. Reimbursement is underwritten by American Bankers Insurance Company of Florida and American Security Insurance Company, which are Assurant Specialty Property companies. This benefit is underwritten pursuant to an identity fraud blanket or group policy issued to CSIdentity Corporation, a Delaware Corporation. Coverage is subject to the conditions and exclusions in the Terms and Conditions in all states, except NY and MN. In NY and MN, coverage is subject to the conditions and exclusions contained in the Certificate of Insurance. Coverage is provided to residents of the United States and Puerto Rico.

3Services provided by Experian® Partner Solutions. Child 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).

You have numerous rights under the FCRA, including the right to dispute inaccurate information in your credit report(s). Consumer reporting agencies are required to investigate and respond to your dispute, but are not obligated to change or remove accurate information that is reported in compliance with applicable law. While this plan can provide you assistance in filing a dispute, the FCRA allows you to file a dispute for free with a consumer reporting agency without the assistance of a third party.

There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.

There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.

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