LifeLock Identity Protection

LifeLock.com
CONSUMER RATING based on 13 reviews
These days, identity theft has become one of the leading crimes in the United States. Thousands of people experience identity theft every day. They may go to pay the minimum balance on a credit card, only to see that an anonymous user has charged thousands of dollars on a credit card. Because identity theft is so rampant in our society, it is essential for you to protect yourself with a company like Lifelock.

Mission of Lifelock

The main goal of Lifelock is the "relentless protection" of your identity. The company ensures that the protection of your identity remains a priority in a few ways. One of the ways that the company ensures the protection of your identity is a priority is by being a member of TRUSTe. The company is also compliant under the Payment Card Industry Data Security Standard. The company also has multiple fraud resolution teams working to ensure that people are protected from fraud at all times. These experts are able to instantly recognize when charges are being made on your credit card from a third party.

Benefits of Lifelock Membership

By becoming a member of Lifelock, you are guaranteed that the company will spend up to $1 million to protect you in the event of identity theft. The company will spend up to $1 million on lawyers, investigators and other professionals who will help you protect your identity. Identity theft insurance is also included in your Lifelock policy. Identity theft insurance helps you recover expenses out of your pocket. Identity theft insurance helps you recover lost wages or money spent on child care during your crisis. Any document replacement fees or travel expenses that you incur will also be covered under a Lifelock policy.

Lifelock Plans

There are two different Lifelock plans that you can choose from. You can decide to go with the Lifelock Ultimate plan, and this plan costs $25 a month or $275 for the year. You can also decide to go with the basic Lifelock plan that costs $10 a month or $110 for the year. With the Lifelock Ultimate plan, you have access to your credit score every month. You can also be assured that professionals will monitor your credit reports at the three major Credit Bureaus.

The truth is that you can't afford not to have identity theft protection. Identity theft protection gives you peace of mind and allows you to feel secure that your information is safe at all times. You will no longer have to worry about the possibility of someone in another country hacking into all of your accounts and wiping them clean. No one should have to worry about losing their life savings due to identity theft.


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James
James
2 reviews

My LifeLock Review:

I purchased the LifeLock identify theft prevention system. This is the standard service offer. I paid $110.00 for a yearly subscription. You can also pay monthly at a cost of $10.00 per month.

The standard plan lets you know of any credit as well as noncredit fraud. It also watches illegal activity websites to see if your information has been stolen or is being used. You are also assisted immediately if you lose your wallet and or credit cards.

I was having problems with identity theft. The problem had not reached catastrophic heights as yet but I did notice that my internet Phishing program was picking up some threats. I had heard good things about Life Lock through friends so I decided to look into it. Their web site www.lifelock.com is very informative and user friendly. It gave me a clear description of what exactly LifeLock was promising and how they would do it. This was refreshing.

Upon signing up, you promptly received 3 free credit reports. This was important to me as I am not only interested in security but also in maintaining a good credit rating. I was sick of getting "spam" credit card offers in the mail. As soon as I signed up with Life Lock I stopped getting these unsolicited offers. This was very important to me as I hate wasting paper!

I am enrolled with a credit rating company and Life Lock sent automatic notices to them when anything suspicious occurred on my credit cards.

One particular instance of the positive effect of Life Lock service happened a month or so after I had purchased the service. I had purchased gas at a service station using my credit card. About a half hour after having left the station, I received a text as well as a phone message indicating that my card had been possibly used in a fraudulent manner. As it turned out, I had dropped my credit card on the ground accidentally after filling up with gas. Evidently someone had grabbed it and almost immediately started using it for random purchases. The Life Lock system picked this up and the card was voided. I did not lose any money or pay any penalties for this incident.

Pros: The service with Life Lock is fast and efficient. I have not had any successful security breach since I purchased the service. Their customer service personnel are courteous and know their job.

Cons: The fraud alerts had a tendency in some cases to slow down my credit approvals.

Amount Paid: $110 dollars per year

Purchase Date: November 10th, 2012

Online or In-Store: Online

Recommended: Yes

Overall Rating: 4 Stars



Stacy B
Stacy
2 reviews

LifeLock Credit Monitoring - Monthly Service:

Registering with LifeLock is pretty easy. You may register on line by submitting your private info (name, address, social security number, etc.) and payment info. Additionally, you have the choice of registering on the telephone by calling 1-800-LIFELOCK. The service includes a postal mail opt-out which keeps the credit card companies and other solicitors at bay. This service keeps thieves who might check your mailbox or garbage cans to obtain credit cards in your name. In addition, it reduces the quantity of mail that you need to deal with. The service will alert you to fraud and in the event of ID theft, LifeLock will protect your credit rating with constant monitoring.

Additional included services include assistance in locating your wallet or purse if it gets misplaced or stolen. Notifications or warnings if someone fraudulently changes your address. Amazingly enough, LifeLock offers a $1,000,000 guarantee that will cover you to offset the costs of identity theft if a thief were to get past the service.

Pros: LifeLock automatically purchases your three free credit reports from AnnualCreditReport.com every year. That is useful, particularly because I usually have difficulty buying my yearly TransUnion report through other services. LifeLock's services are steps you can take for free, apart from the $1 million guarantee. Purchasing your yearly credit reports, opting-out of pre-approved credit card provides, and putting a fraud alert in your credit record may all be free of charge.

Cons: If you are trying to open a credit account with a company or merchant, LifeLock slows down the process by blocking your original initiations of credit approval. Banks need to undergo an extra confirmation procedure to ensure you're the one trying to get credit, so immediate acceptance becomes hard.

It might not be possible to gain access to some on-line credit administration solutions because of the different alerts that you've set up. For instance, I couldn't a free credit report from any of the credit reporting agencies. This was due to the alerts that I had set up on my account.

In my opinion any support that enables you to register online should also enable you to call off online, but this isn't accurate of LifeLock. Still, deleting is a pretty just procedure that includes contacting customer support and allowing them to know you need to call off your account.

In comparison to credit checking services, LifeLock is a much better offer offering prevention services instead of just post-identity theft alerts. For many people, spending $10 per month is just a waste, but for individuals that will not make sure to revise fraud alerts or purchase their yearly credit reports, $10 is merely an ounce of prevention.

Amount Paid: $10 per month

Purchase Date: 3/28/2013

Online or In-Store: Online

Recommended: No

Overall Rating: 3 Stars



Amin
Amin
5 reviews

Lifelock Identity Protection:

Years ago, I remember my mom getting a copy of her credit report when she was trying to buy a house and she was shocked to see that she had several aliases that she had never heard of. As I now prepare to go through the home buying process, I don’t want any surprises like that showing up on my credit report.

I’ve seen a lot of marketing about Lifelock Identity Protection, so I did my research and found that it provides a significant amount of security. It will monitor all three of the credit bureau reporting agencies, my checking and savings accounts and help with identity theft with the use of my Social Security number, address, credit card and more.

There were several price tiers to choose from based upon how much protection I wanted. Since I want to purchase a house in the near future, I decided to go for the one that was $25 per month. This gave me the online access to my credit scores and surveillance of networks and file-sharing sites. They had another one for $10 per month, but it simply didn’t offer the same level of protection and notification.

One of the biggest reasons I chose to become a member of Lifelock is because of the $1 million protection that they offer each and every customer. What this basically means is that if my identity is stolen and I’m a member, they will help me to get my life back and cover all of the financial losses that I would incur – and this is a big deal for me.

The system has alerted me several times to situations I was unaware of and it has helped me to be more aware of what I do online that could cause my personal information to fall into the wrong hands. I will continue to be a member of Lifelock long after I buy my house for the peace of mind knowing that my identity isn’t going to be stolen.

Pros: There are a number of pros to the Lifelock identity protection system. It has a number of alerts that it will send by email to tell you of what is going on. It offers 24/7 monitoring of virtually everything going on within your life, which is a real positive thing to have going on in the background.

Cons: The alerts can become a little overwhelming, especially around the holidays when I was breaking out credit cards I hadn’t used in a while. I ultimately had to set the emails to go to my spam and then check them periodically just so I wouldn’t feel so inundated.

Other Info: If you don’t mind spending a little bit more up-front, you can actually get a discount. I paid $275 for Lifelock for the year. Had I paid monthly, it would have ended up costing me $300.

Amount Paid: $275

Purchase Date: October 2012

Online or In-Store: Online

Final Notes: I have searched for other products similar to Lifelock Identity Protection and have yet to find anything even close to it. For the money you pay, it’s worth having the protection.

Recommended: Yes

Overall Rating: 5 Stars



Mark
17062 reviews

Like Veronica said, the process of getting your credit back is a nightmare when someone steals your identity. I was one of the unfortunate ones who had it happen to me before I decided to get protection, but I'm telling you all now that Lifelock definitely has a service that you not only can benefit from, but that you NEED. This company keeps tabs on your accounts, makes sure that you're protected, and helps you get your life back in the event that anything goes wrong. It's all about you and these people definitely give you that and more. I just wish I'd had them sooner so I didn't have such a tough go of it the first time.


Veronica H.
17062 reviews

Lifelock provides an essential service. What a lot of people don’t think about is the damage that can happen to their credit when their identity is taken. You can replace all your stuff and your bank can actually reimburse you for fraudulent activity, but there is a big pain in restoring your credit. You have to go to all the credit reporting agencies, get police reports, dispute a bunch of charges and go through the appeals process with every agency. This can be really time consuming, frustrating and it can drag out for a while. You can avoid all of this by hiring this service to handle your accounts. They will watch over your accounts and cover any fraudulent activity so your credit agencies will record anything that will affect your credit.


When you sign up for any of our identity theft protection services you immediately have the backing by their service guarantee. Plus you may access our member services, 24 hours a day, 365 days a year.


Identity theft is a huge nuisance in the internet age and everyone who uses the internet is threatened by it. Credit card fraud and the use of your identity for the use of your identity without your permission are some of the biggest threats of identity theft. Life lock provides identity protection services and guarantees that it will spend up to one million dollar to recover your identity and cover your losses in case of your identity theft.


With many people still unaware of the total damage identity theft can cause, protecting themselves against it remains out of question. Life Lock offers safety from identity theft to its members and if a member is victimized, Life Lock not only spends around a $1 million to reverse its effects with the help of lawyers and security firms but also reimburses all of the things the member loses due to identity theft.


Identity theft is a huge problem on the internet and can cause great damage to both your reputation and your finances. Credit fraud is one such example where you incur financial loss due to you identity theft. Life lock provides you with plans to make sure that no one is able to use your credit card and thus would not be able to hurt you. Extensive protection options inform you about the use of your identity for anything from applying for loans to buying services.


Thieves today are able to get a hold of your personal information from dumpsters, trashcans, stolen mail and even shoulder surfing. And once thieves have all that information, it is an easy matter to open falsified accounts and buy items in your name. LifeLock is the ideal way to safeguard your information from any risk of abuse. This identity theft protection is a proactive defense system monitoring everything about your identity and alerting you of any danger.


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