I am wondering how many people have heard of LifeLock.com (this link will get you a 10% discount –$99 per year) and want a LifeLock review. I get so many of the pre-approved credit card applications in the mail it is scary. In addition, my social security number is out there in more places than I want it to be and who knows what can happen. I hear stories all the time about people who have had their identities stolen and all the trouble they have getting their good name back.
Most of what LifeLock does can be done for free but it would be a real pain and take a lot of organization. They ask the credit bureaus to set fraud alerts on your behalf and then they follow up every 90 days and have them do it again. I don’t know how to do that and it would be great to have it done for me.
They also request that your name be removed from pre-approved credit card and junk mail lists and they keep making these requests as they expire. Those pre-approved credit card invitations are the #1 way identities are stolen so keeping your name off those is very important. They also order free credit reports once a year for you automatically.
Finally, if your identity is stolen they will “do whatever it takes to help you recover your good name and we will spend up to $1,000,000 to do it.” Apparently from what I read they have never had to do that as so far they have prevented everything upfront.
You might have seen the TV commercial with Todd Davis, the CEO, telling what his social security number is and he has a bus with the number on it. He does this because he is so confident he is safe with LifeLock.It’s a pretty interesting commercial and quite compelling.
I have no idea exactly what bad things can happen if your identity is stolen but I know I don’t want to find out. $99.00 a year (my links will give you 10% off the $110 price-no LifeLock promotion code necessary) isn’t cheap but then it might be worth it with today’s high-tech criminals.