Has anyone heard of: LIFELOCK – Identity theft protection. Is it good? do u know any other good programs?
Wednesday, February 3rd, 2010 at
1:26 pm
we had some random charges made to our card so we are looking for options to protect us.
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I have herd of it. It’s really not any different than any other credit monitoring service. Personally you can stay on top of these things yourself rather than pay someone else to do it. Just take advantage of your free credit reports once a year. You can get these at annualcreditreport.com for free. You get one from each of the bureau’s. Space them out throughout the year and continue to do this yearly. Keep up on your credit card statements and look for any foreign charges.
I have used Lifelock for my family for the last 8 months. My husband’s laptop was stolen and it contained all our bank statements, logins to credit card sites, etc. So I signed us up and feel like we’re protected just in case. It’s hard to say if it’s worth it until you need it and I would hate to have someone steal my identity and then say I wish I had signed up. Hind sight is 20/20. It is true that you can perform many of the functions that Lifelock includes for yourself at no cost. But, I’m not that organized to remember to request a fraud alert from all 3 credit bureaus every 3 months like clock work and make sure I order my free credit report from all 3 agencies every year. They keep track of that for me and I’m willing to pay for it. I also like their million dollar guarantee. If you go to google and type in a search for “identity theft protection comparison” and click on the consumercompare dot org choice it gives you a very thorough comparison of many of the top identity theft protection companies out there. Good Luck!
Life Lock is fairly new company so it’s hard to tell if it’s safe or not. There are millions of companies out there that promise you the moon if you sign up then they go out of business after a year or 2. Request your free credit reports from annualcreditreport.com or call them toll free @ 1-877-322-8228 for all 3 free reports. Trans Union has a credit service after you run the report. Just call them toll free @ 1-800-916-8800.
I use lifelock and it’s been pretty good so far. I needed to get an identity protection service when my passport was stolen. There are other similar services, but I went with lifelock myself. You can compare services on ewisdom.com