How Does LifeLock Protect You From Identity Theft?

Lifelock works by placing fraud alerts on your credit files on your behalf. This means that any company who does a credit check on you causes a red flag to be raised and you are informed. Credit checks are carried out when someone applies for credit, a loan, a credit card etc. Lifelock also ensure your name is removed from mail lists as the less your details are spread around the less chance of them falling into the wrong hands.

How well does Lifelock work compared to other identity theft protection companies?

Lifelock stops your identity from being stolen where as other identity theft protection companies such as IdentityTrust monitor your credit and report unusual activity to you AFTER the event. Because Lifelock place a fraud alert on your credit file the only way possible for someone to misuse your name to gain credit is if the provider of the line of credit did not do a credit check and because identity theft is now a major problem (its the fastest growing crime in America) this is very unlikely to happen.

Does Lifelock work with credit experts because i have heard I can do everything that Lifelock does all for myself and save some money?

Lifelock use experts who know exactly how the system works and make sure your fraud alerts are in place at all times. The 3 credit bureau’s don’t like you to place a fraud alert against your name and they certainly do not like your name being removed from mail lists as it is the sale of these lists that make them so much money. For this reason they don’t make it easy for you to do it yourself. Each alert only lasts a certain amount of time and for it to be effective you cannot let it lapse.

You certainly could do the work yourself just as you could walk to work this morning. Question is why would you walk when you have a car and why would you take it on yourself to protect your own identity when Lifelock can do it for a few cents a day. They take care of dealing with all the credit bureau’s for me and they give me a $1 million guarantee that they have done it correctly and no one can steal my identity.

Let’s be clear here. Everything Lifelock does you can do yourself. Yes, that’s right. Simply phone each credit bureau and request a lock be placed on your account. Then find all the major direct marketing agencies and ask them to take your name off their list. However, and this is why Lifelock is so popular – people don’t have time to do all this. As an example, you have to re-apply to place fraud alerts on your credit every 90 days! Lifelock will renew everything for you, and this is why they have a rapidly growing client base. For some, the major reduction in junk mail alone is worth it.

Lifelock does not call itself a credit monitoring service, but an identity theft prevention service. Rather than monitoring your credit reports and warning you of a suspicious change, they place locks to prevent thieves from accessing your information in the first place. Put another way – instead of letting you know that a potential thief is possibly already using your good name, you are asked permission beforehand to let someone view your information or apply for credit.

No lock is perfect, of course. If a thief does manage to impersonate you and ruin your credit while you are a client, Lifelock has a $1 million Total Service Guarantee. They will do everything they can to fix the problem and give you back your good name, at their expense, for up to one million dollars.

Enroll now! – Save 10% with this link

LifeLock is the industry leader in identity theft protection, and offers its service for less than $10 a month. Many people compare LifeLock to credit monitoring services, like those provided by the credit bureaus. LifeLock is not like credit monitoring; LifeLock is the next generation. Which would you rather have, a lock on your door keeping the thieves out, or an alarm telling you after the thief has ripped you off? We think most people would prefer to keep the thief out in the first place. And that’s what LifeLock does. As the name states, LifeLock is the lock, and you hold the key.

And what happens if your Identity is stolen when you have credit monitoring? Does the credit monitoring service hire and pay the best and brightest professionals they can find to do the work to help you resolve it? No. Do they reimburse you for losses? No. In fact, they don’t do anything to help, so you’re left alone to herd the financial cats.

Virtually all of the studies LifeLock has seen out there say that you will spend at least an average of 30 hours repairing the damage done by an identity thief – FTC Identity Theft Survey Report. That’s where LifeLock can help. If your Identity is stolen while you are a member of LifeLock, LifeLock is going to go out and hire the right people to work for you to get your good name back and it won’t cost you one cent. Period. It’s that simple. Read LifeLock’s full guarantee.

Ready to fight for your credit and identity? Enroll now! – Save 10% with this link

LifeLock’s new TrueAddress Protection service verifies change of address requests submitted on your behalf. LifeLock monitors any changes to your address with Lifelock TrueAddress Service, and contacts you if the address on file for your membership does not match the request submitted to various nationwide address databases.This is the type of thing that we as individuals really can’t do for ourselves. It’s just one more way for LifeLock to provide the best value in identity theft protection!

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LifeLock also offers the only identity theft child protection program available in the market at $2.50 per kid, and offers online enrollment into their program as well. LifeLock offers protection for kids under the age of 16 for only $25 per year, as long as at least one adult in the home is an annual member.

LifeLock child Identity theft protection program protects children. Children make ideal targets for identity thieves. Children will usually not have any credit records and, because they will not be establishing their own credit for many years, any instance of credit-related identity theft can go undetected for quite some time. Children comprise the fastest growing segment of identity theft victims, accounting for up to 500,000 cases per year. Guard your child’s future credit worthiness. Save time, effort and worry. LifeLock works to protect your children as well as yourself…

Here’s What LifeLock Offers

• Social Security Protection
• Reduced Junk Mail
• Reduced Credit Card Offers
• Child Identity Theft Protection
• Wallet Lock-Protect Stolen Wallet or Purse
• Protection for Your Employees
• Proactive Identity Theft Check Protection
• Constant Communication with 3 Credit Bureaus
• Monitor Your Credit 24 Hours 7 days.
  

*** Free Trial Coupon Click ***

For $10 a month, LifeLock will register and monitor a fraud alert on your name with the three top credit reporting bureaus, Experian, Equifax, and Trans Union. When a fraud alert is in place, potential lenders are forced to call you at the number listed on the alert before they can issue you a loan or line of credit. And I guess it would be a good time to answer the question: Is Lifelock a Scam?

Not to sound off-putting but it really depends on what you consider a scam. The service that Lifelock provides is definitely something you can do yourself but I’m not sure that makes it a scam. Ignoring the oft-suggested mafia ties to the waste management business, you could take all of your trash to the landfill but you probably pay them to do it for you.

Like most services, it’s more about convenience than actual need. Lifelock simply requests locks on your credit so that you’re required to approve everything manually. Personally, I don’t think that part is a scam. it’s just a service.

What is the Lifelock guarantee about? If someone does steal your identity while you are a customer of LifeLock, Lifelock will pay professionals to assist in restoring any losses or recover expenses. In addition, if an attorney is required to represent you, LifeLock will be right by your side in the litigation efforts.

Why Enroll in Lifelock Identity Theft Protection?

LifeLock openly states that every step they take to protect your identity is something each one of us could do for free. The difficult part for individuals is working through the process required by the credit bureaus, keeping up to date with news laws, and keeping our information up to date. What this company offers is the management and administrative work in dealing with the credit bureaus.

In addition, when someone does apply for credit in your name, the Fraud Alert program at LifeLock will contact you at the number you wish to be contacted at and ensure that the credit request is valid.

This Lifelock review was created to help you choose the identity theft protection service that is right for you. We have researched dozens of services and concluded that the best identity theft protection company are LifeLock.

Credit card offers: many of us want this anyway and have never taken the time to find out how to get off of those pesky lists where they offer you pre-approved credit cards. These are more dangerous now than ever. With so many identity thieves out there, committing a crime is as easy as checking their neighbor’s mailbox!

When you want a credit card, you will let the credit card providers know. It should not be the other way around. If they wanted to help stop identity theft and save tons and tons of paper, they would stop mailing these out anyway.

Free Credit Reports: as a part of this service, you will receive a copy of your credit report each year. You can ask for these for free, but chances are that if you try to keep up with this on your own, year after year and you see no problems, you will forget to order. Or, you might lose track of when that year is up.

eRecon: a new service that has recently been added to the LifeLock family is eRecon. This service searches through known criminal websites to look for your personal information that might be “on the market.” Yes, selling personal data is big business and now Lifelock is working to eliminate it.

Walletlock: have an ally to help you get things back in order if your wallet is stolen. They will make the proper phone calls to replace most of the documents lost (driver license, credit cards, bank cards, insurance cards, etc). How much is that worth in itself if this ever happens to you?

TrueAddress: also a new service, TrueAddress will notify you of any changes of address to your file when your personal information is being used. This is so valuable in stopping identity thieves who apply for a new line of credit using their own address!

Currently Lifelock is offering a 30 day free trial for new customers, with an additional 10% off if you follow the link available on this website. Afterward, Lifelock’s service starts at only $10 a month. Get the discount.

Why you need lifelock credit protection?

In 2005, CardSystems Solutions(a credit card processing company)—exposed 40 million Visa, MasterCard and American Express debit and credit card accounts. In 2006, TJX, owner of TJ Maxx, Marshalls and several other retail stores, lost 94 million records. And if you have been, or currently are in the US military, you may be among the 30 million people whose data was lost. Just last week, Long Island University mailed out 30,000 tax statements with students’ names, addresses and Social Security numbers visible through the envelope window.(Pity the student who uses her veteran’s benefits to attend LIU, and pays for her TJ Maxx purchases by credit card.)

LifeLock helps users to proactively obtain free credit reports each year, retain control of any accounts in their name, get their names taken off any pre-approved credit card lists, get removed from many junk mail lists, get help in applying for new credit, get credit assistance, and be assured of up to $1 million guarantee against any losses from the loss of identify while being their client.

Students and children can be especially vulnerable as their credit is often not checked until they are 18. Thieves can steal their identities, making it harder for them to get student loans, scholarships, get into college, jobs, apartments and more. The risks in general of identity theft include not getting life insurance, paying higher premiums, jail, getting fired or not hired, and many more.

If your identity is ever stolen while on the service, they will fix the problem and re-imburses the client. If a lawyer is needed, they will hire them and it will not cost the client anything.