Believe it or not, some people naively think that crooks would find it difficult to steal their identity. Sure, you may be doing your best to protect yourself from these criminals but, unless you aren’t doing any business transactions, monetary or no, you are definitely not completely safe from identity theft.
Think about it. With the technology today, crooks do not need to steal your wallet just to get the information that they need. Some call you on the phone pretending to be in some company. Others can send you an e-mail or messages in social network sites offering something where you need to provide them with banking statements and so much more. Some people can just hack your accounts. What you need is something more pro-active, something that can take the necessary action if your identity has been stolen, indeed. That something is LifeLock. This identity protection service is one of the best in the business. Here are some of the reasons why:
Wide Range of Monitoring
This is one of the major things why people go to LifeLock for help. If other companies monitor only credit transactions, LifeLock takes it all to the next level. They check out utilities, bank statements, mortgage and car loans, wireless services and so much more. If your name, address or other digits (like social security number) comes up, they will make sure nothing happens to your identity.
Scanning the Net for Threats
The company knows how hard it is to regain back what you’ve lost. With LifeLock, you definitely can, but imagine all the things that you have to go through to be able to do that. LifeLock is more proactive. They already scan the net for possible threats and deal with that so you need not be troubled at all.
For Individuals, Families and Businesses
Most identity protection companies provide services to individuals. Others include the whole family. LifeLock, for instance, has offers for children. However, one thing that other companies do not have that LifeLock does is fortification for businesses. Imagine your company getting breached and all the files left open for any criminals’ eyes to see. How many people’s identities will be stolen then? With this company, you have nothing to worry about.
Rapid Response to Theft
LifeLock’s customer service department is located in Tempe, Arizona. They have a 24 hour customer service who will deal with all your troubles and problems 7 days a week.
When you think about it, $10 a month isn’t much when you are safeguarding hundreds or thousands of dollars in your bank account. It isn’t much when you are protecting yourself and your family from dangers and unlawful activities. If you sign up for the whole year, you can get LifeLock on your side for only $99. If you are persistent enough, you will find discounted promos.
There is also LifeLock for children. It may sound completely far-fetched but children are sometimes victims of identity theft as well. When you reflect on it, you will realize that it is easier after all to take advantage of them. LifeLock’s protection offer for their younger clients costs $25 a month. Again, always be on the lookout for the best deals. You do not want to be one of the 10 million people who are annual victims of identity theft. Go ahead and enroll as soon as you can.
If you’ve listened to the radio, watched TV, or picked up a magazine recently, you’ve probably seen an advertisement for LifeLock, the identity theft protection LifeLock, a company based in Tempe, Arizona, claims they have created a system that effectively stops an identity thief from using someone’s name and information to get what they want. For $10 a month, or $110 a year, 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.
Anyone can call one of the credit bureaus and ask for a fraud alert free of charge, but it expires after three months. LifeLock automatically renews fraud alerts for their customers. The company will also make calls to request that your name be removed from mailing lists to help you cut down on unsolicited offers. And if your wallet is stolen? LifeLock’s WalletLock program will help you cancel and replace your cards. The company stands behind their services with a $1 million guarantee. If their system fails, and your identity is stolen, they will spend up to $1 million recovering your losses and investigating your case.
While LifeLock customers have been generally happy with the company, it has received some bad press lately. First, co-founder Robert J. Maynard, Jr. was accused of lying about an identity theft incident that he claimed was the reason he started the company. After he was called on a few other inconsistencies in his personal finances, he chose to resign from the company in 2007. Then, in an ironic twist of fate, CEO Todd Davis became a victim of identity theft himself. Someone used his widely publicized social security number to open a check-cashing loan for $500.
Despite these marks against their reputation, LifeLock is still accredited by the Better Business Bureau and recently received a five-star rating by TopConsumerReviews.com. It appears that, overall, LifeLock membership really is an effective way to keep identity thieves at bay.
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.
The monthly fee is $10 per adult or $110 per year. For children, it’s $25 per year with any adult enrollment.
The website says that 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.
