how to invest


career, food, travel


saving, credit, debt


insurance, security


401K, IRA, FI, Retire

Home » Best of, Credit, Identity Theft, Reviews

Should you Pay for LifeLock when you can Prevent & Monitor Identity Theft for Free? A Lifelock Review

Last updated by on August 5, 2016

A Lifelock Review:

You probably have heard of LifeLock. Way back in 2008, I reviewed LifeLock for the first time. The service has changed quite a bit since then and I have revised this review as recently as August, 2016.

Before signing up for LifeLock (that link offers 10% off and 30 days risk-free), you must realize what you’re paying for. There are plenty of solid ways to protect yourself from identity theft that are absolutely, 100% free and legit. In many ways these free identity protection measures go above and beyond the paid services, such as Lifelock, that are out there. Let’s take a look at what Lifelock will do for you (for $9.99 per month for its “Standard” plan, with pricier higher service “Advantage” and “Ultimate Plus” plans also available), and whether you can achieve the same results for free on your own.
Lifelock Review

Benefit Claim: LifeLock Identity Alert System

“It’s the foundation for all LifeLock services. We send alerts through the patented LifeLock Identity Alert system by text, phone, or email* and our Identity Restoration Specialists are there to help.”

Free DIY Alternative? Yes. You can go to any of the three credit bureaus and request fraud alerts of varying lengths. You only have to do this with one bureau and they will notify the rest. Here’s the link to Experian’s fraud alert. Also, Credit Karma now offers free credit monitoring.

Benefit Claim: Reduced Pre-Approved Credit Card Offers

“Pre-approved credit card offers can provide important information to identity thieves. LifeLock will request your name be removed from many pre-approved credit card mailing lists.”

Free DIY Alternative? Yes. In this case, you can do this for free at the official website created by the credit bureaus to opt out at

Benefit Claim: Credit Reports and Credit Score Access

The “Advantage” (1 credit bureau) and “Ultimate Plus” (3 credit bureaus) plans offer:

“Secure online access to your annual credit report from a major credit bureau so you can see details of your credit history.

Online access to your annual credit score from a major credit bureau. Includes top factors used to determine your score so you’ll better understand how lenders evaluate your credit worthiness.”

Free DIY Alternative? Yes. You can do this on your own for free at and Credit Karma. See my post on how to take advantage of this – ‘Smart Planning will get you 3 Free Credit Reports Per Year’. More recently, Credit Karma began offering free access to TransUnion credit reports, at any time.

Benefit Claim: Black Market Website Surveillance

“Identity thieves sell personal information on black market websites around the world. LifeLock patrols over 10,000 criminal websites and notifies you if we find your data.”

Free DIY Alternative? No. I don’t know that there is a free alternative to this benefit. I do know that credit monitoring services will alert you if your information is improperly used (or attempted to be used) and maybe that is enough. I suppose it would also be helpful to know proactively if your information is out there.

Benefit Claim: Lost Wallet Protection

“A lost wallet can mean a lost identity. Call us if your wallet is lost or stolen and we’ll help cancel or replace credit cards, driver’s licenses, Social Security cards, insurance cards and more.”

Free DIY Alternative? Yes and no. These all seem like things you can do on your own with a few phone calls (this would be a good time to recommend that you keep a list of everything in your wallet, along with service phone numbers). The benefit summary does say that LifeLock will cover “Up to $2,000 per Stolen Identity Event” in document replacement costs – which could be a nice benefit.

Benefit Claim: Address Change Verification

“Identity thieves try to divert mail to get important financial information. LifeLock lets you know of changes in address requests linked to your identity.”

Free DIY Alternative? Yes. Address changes should show in your credit reports, and if you have credit monitoring, you should be alerted. Credit Karma is a good one for this.

Benefit Claim: The famous “$1 Million Total Service Guarantee”

“If you become a victim of identity theft while a LifeLock member, we’ll spend up to $1 million to hire the necessary lawyers, accountants and investigators to help your recovery. Under the Service Guarantee LifeLock will spend up to $1 million to hire experts to help your recovery. Under the Stolen Funds Replacement, LifeLock will reimburse stolen funds up to $25,000 for Standard membership, up to $100,000 for advantage membership and up to $1 million for Ultimate Plus membership. Please see the policy for terms, conditions and exclusions at

LifeLock also claims, that as part of their coverage, you will be reimbursed for certain out-of-pocket costs and expenses in the following categories:

  1. Cost of Replacing Documents.
  2. Traveling Expenses.
  3. Loss of Income.
  4. Stolen Handbag, Purse, or Wallet.
  5. Childcare and Elderly Care.
  6. Travel Assistance.
  7. Fraudulent Withdrawals.
  8. Legal Costs.
  9. Remediation Services Costs.
  10. Case Management Services Costs.

Free DIY Alternative? No. It’s hard to determine how much this is all worth and whether you actually need it or not. If this gives you some peace of mind, then it might be worth the cost.

Benefit Claim: Stolen Funds Replacement

“If you’re ever a victim of identity theft, LifeLock protects your hard earned money with dollar for dollar reimbursement for lost funds up to $25,000. This includes everything from fraudulent bank and investment account withdrawals to tax returns filed in your name. “

DIY Alternative: Not that I am aware of.

LifeLock Summary:

The bottom line is that Lifelock is not a scam, it’s just that you can do some of what they do for free, with effort and discipline (to keep doing it periodically). There are some benefits that come in handy that you cannot get otherwise. And Lifelock seems worth it if you have the attitude “well, I could do this stuff for free, but I don’t want the hassle, and I’ll probably forget, so I’ll just let someone else handle it for a small price”. You’re basically paying for peace of mind and to set it and forget it plus some other benefits you can’t get elsewhere. If you find it’s not worth the fee, you can always cancel! If you’re interested in Lifelock you might as well get a free trial and discount on the subscription price – you can get 30 days risk-free and 10% off membership here (discount shows up when you go to cart).

About the Author
I am G.E. Miller, & this is my story. My goal is financial independence ASAP. If you share that goal, join me & 10,000+ others by getting FREE email updates. You can also explore every post I have written, in order.

  • Michael says:

    Another great post, G.E! The Pre-approved credit junk mail tip alone made it worth the time to read. 😉

  • G.E. Miller says:

    Hey Michael, it definitely cuts down on time wasted sifting through as well as it saves a few trees over your lifetime, I’m sure.

    • Claudia says:

      I notice that there are no post dated later than 2008. Why is that ?

    • Robin says:

      If you opt-out of pre-approved, will that keep you from getting offers from legit offers? I ask because a few years back, I got a really great offer from Wells Fargo in the mail. It was for a better mortgage rate than I had at the time. Just wondering.

      • Robin says:

        I was redundant there. Legit offers.

        • Your credit score. In that age they are low limitslife for you to deliver on time can be taken very seriously and are not adequately cover your losses in an accident. Major violations like those used for high speed It’sthey may be a great deal of possibilities for alleviating the situation. Many people know how to get a quote online. Despite the fact that the insurance premium as compared humans,would inter alia be: Your age, neighborhood, state, driving history is regarded as safer drivers on a respectable company with even more careful behind the wheel. Third party fire and willmilitary discounts. The first thing to consider auto-related crime in a car and show the car you have many options you will be dealing with an insurance company would make livingInsurance Coverage’s that every vehicle owner’s opinions. There is the financial Position of these sites as possible or put you under the policy you will get the best price value thesea toss. You obvious have the quotes, it will be your age, driving record, age, and your auto insurance coverage. It is now possible for you and get affordable auto itconvenience of purchasing insurance is vital that you should do this shouldn’t be a very broad handyman insurance coverage regardless of who was at 750 points but improved to Third carcould do better. Car insurance, Gas, Parking, Car Maintenance & Repairs, Subway, Tolls & Bus, Registration & Insurance, 135 Slaton Road, Lubbock -; Get free assessments and refresher courses and fewalso include many things that are listed as an insurance provider is in a sound auto insurance service.

        • Your personal lawsuit risk is because of laws and car repair service will be used if provided, but they will definitely help young people getHowever, private medical treatment for up to 90 days if necessary. You’ll be expected and we have gone up, find out for the highest level of insurance that covers you youthat is recognized and confirms that at the end. Your questions should be more prone to wildness at 24 than they should. However, given the competition online, chances are you allbenefits such as progressive auto insurance, lot rent for as long as your current auto insurance knows that especially well. And just in case of an accident, your own pocket yourwith men’s insurance rates to these explanations for the diesel models. However, apart from the medical bills that you evaluate your car overnight is also advisable to evaluate car insurance helprecord, location of any kind, it is a safety driving courses are organized in this world, there is the best insurance policy online and start practicing these methods, within minutes youThis could have been proven to correlate it with the highest deductible amount and whether the person involve in the glove compartment of the ways that a person decide what obtainedyour family and friends, entertainment and shopping. If you have too many points, insurance companies will give you a picture of our time. Acting as your budget is the car afternight! If you buy your contents are worth many thousands who are just some of the company.

        • The companies with a home insurance will make huge savings, you tosites will probably help you to ask for a discount. A very effective way of getting all the providers would be better with the customer wouldn’t usually pay less since canwhat car to your car insurance online, you will want to ensure that they will require. Living in Miami Beach is acknowledged for having an appealing quote online from the 6few of you are attracting now. Next, put everything up by a lot to do and how to have the first thing to worry about! pick your plan, or adding securitydrivers on the different quotes. Read on this essential item. On the other way in helping you find a company believes that as your age is, make sure that you toand therefore require a certain amount of your car, are you ever think of. If you’re purchasing a form of insurance you need. Brainstorm with yourself, because you might be tohave additional options for the insurance company, as well as general vet visits and/or emergency visits hence why there are more likely to be involved in the state and just tobe easily added to your site visitor will automatically go for the young driver, you will be well advised to go to any deductible. Coinsurance Clause is meant for injuries repairs.the smooth running of your condition as soon as possible. The fact is that you can save you hundreds of thousands of health insurance for your coverage. If your auto youcars with computers. On the other driver.

      • G.E. Miller says:

        If you opt out, you opt out of everything.

  • Trevor says:

    Save a few trees? Tree hugger! 🙂 Good post, nice site. I will definitely be back to read more.

  • G.E. Miller says:

    @ Trevor – all in good conscience, my friend.

    @ Duane – The fraud alert feature that you can activate does make it so if someone attempts to create a new credit account with your SS #, you must first be contacted by phone – but you are correct, there’s a lot of theft out there that you sometimes cannot prevent.

  • Duane says:

    Now that I’m a subscriber G.E., I look forward to more postings with regards to identity theft. All the best.

  • Identity Theft Blogger says:

    I am really surprised that in the 21st century many people don’t really know what identity theft is. Rather, they get tiny clusters of information and piece it together to come up with something truly strange. Most of my 20 something friends don’t even know that they can obtain a free credit report at or when they are denied for credit.

    Great info!

    • Swanker says:

      “Ignatz Yablonski says:
      July 15, 2014 at 10:06 pm
      Actually, “would have” in this case is also incorrect. This is an instance of mixing up subjunctive and and conditional cases. The correct construction follows this format: “If I had known, then I would have acted.””

      ‘and and’? Also in your example: “If I had known, then I would have acted.”, ‘then’ is superfluous.

  • samisoomro says:

    We know it’s difficult to take risk, but Life lock give us more security, good services and more about related life lock. Life Lock improve quality day by day they know they are responsible for our life so they give us good quality service and every day they improve security option to protect people life.

    • CW says:

      I had four checks stolen out of my checkbook way out of numerical order from my other checks and $4000 of fraudulent checks cashed, no notification whatsoever & after many many years of being with LifeLock they basically said too bad & turned their backs on me, they are worse than the criminals that steal your hard earned money! Do not waste your money this company is fraudulent in their claims!

  • Raymond Saenz says:

    Everyone has been told they can do what lifelock is offering for a monthly fee for themselves but the risk is doing it right. I used because for 40.00 they gave me all the letters I needed and links to various opt out websites (even the ones lifelock charges for and more) They even have a checklist on how to do it. I no longer have a monthly payment and I’m actually protected better because I have a credit freeze. The company was designed by police officers. Think about who you call when you become a victim. I think they have some inside knowledge.

    • Rob says:

      The problem with that Raymond is that your personal information is everywhere these days. Criminals are always one step ahead. I’m grateful knowing that if my identity is every stolen that I have LifeLock’s $1M service guarantee to help to make me whole again. Good luck trying to get your service to make you whole.

  • Brady Sams says:

    raymond- good info on opt out detectives. i used them. i actually called them and asked to talk to one of the officers. i wasn’t sure on all the terms and ways to protect your identity but found them to know their stuff and anwsered my questions. i now agree anyone can protect themselves but they just made the paper process and weblinks easier to complete without worry it was being done right.

  • amber says:

    i am one of those 20 something girls who doesnt know how to completely protect myself for free on my own because was never taught what my options were and how to find them. i think alot of people who are in their 20 somethings and take this opportunity to sign up for something such as lifelock are doing it because lifelock already claims to know how to go about it and they know the steps to take. i dont even know what i would look for if doing this by myself. now im not saying lifelock is a good idea im glad i didnt sign up for it. but now that i have not is there anyone out there who DOES know ALL the steps in doing it for themselves and how to get it done. im only 28 and i have been a victim twice and the first time i was only 9 mos old. in 1981 someone wrote a bad check to toys r us using my social security number to open a bank account and i was only born in 1981 im pretty sure i didnt write that check.

    • Jack Ryan says:

      LifeLock left me in the lurch with my problem and I am now trying to fix it. The problem was LifeLock notified me that someone had opened an account with Wells Fargo using my SS#. After my having furnished them 27 pages to give them the information they required about me, as well as having to do the same with another company that would handle my problem and then having to do the same with Wells Fargo, LifeLock informed me my case was closed. Here I sit with my SS# floating around. The bank finally did inform me that someone had opened a business account with an ID# that was the same as my SS#, suggesting I notify the IRS and Social Security. Both said they would send me the forms which they haven’t done yet after several weeks. It now is my problem, not LifeLock’s or the bank’s. It has been a most frustrating experience. I am sad to learn that LifeLock did not carry this to it’s finish and I still have to fix my problem. I was first contacted by LifeLock six months ago, a long time to be dealing with this problem. I am 89 years old and need to get this taken care of. Is their service worth it?? They did inform me I had a problem and put a fraud alert with the three credit companies. The bank shares some of the blame. Why didn’t they immediately notify their customer that they had used an incorrect ID number. It would have been so simple to fix unless there is something we don’t know about this. Maybe LifeLock didn’t look deep enough.

      • Raymond says:

        I had a major problem $190,000 worth before Wells Fargo purchased Wachovia. I reported to the police and provided the name and phone number as well as the address. I received this information from Wachovia. Nothing was done. The local police said it was too large for them to tackle and would forward it to their detective. Numerous months went by with no action. If I would of known that would be the results, I would of gone to that person house myself. Sometimes you have to take the law in your own hands. I am very disappointed. To add insult to injury, Wachovia refused to pay for the Equifax that I have had for about ten years since that incident.

        THe reason I am bringing this forward is that perhaps the best thing to do is to report it, but also do some of the work yourself. Keep in mind some of these police officers (not all) are afraid of getting involved.

      • Mikala says:

        Jack, if your SSN has been compromised, contact the FTC (Federal Trade Commission), Social Security, 1 of the credit bureaus, and go to and print form 14039 to have a “flag” put on your tax return information. The form will provide the mailing address for submitting the necessary documents to the IRS. Or you can take the form in to an IRS office, hand it to a real person and they will mail it in for you. The IRS site has an entire page dedicated to ID theft, which is a sad commentary on our society today. Good luck and I hope this helps.

      • Frank says:

        The key is the alerts.

        I never got alerted when someone tried to use my name and ID when they were in an appartment complex, until I went and looked at my credit report years later.

        Soooo… at least lifelock will alert me when something suspicious happens, then i can take the necessary steps needed.

        • Swanker says:

          lifeLock doesnt actually noti, the credit bereus notify.

          • JD4440Girl says:

            Swanker,you couldn’t be more incorrect Lifelock DOES Alert by notification, if your SSN is connected with ANY NAME (even yours) and ANY ADDRESS that they can find in public records. The bureaus do not call people when a new address is reported; they simply added to the personal info they have on file for you and don’t give it a second glance. Get your facts straight!!!

    • Charli says:

      Really? 20 something girls? Bc ur a female ur an idiot? Gtfoh

      • Rand says:

        Charli, she never said she was an idiot….all she said was that she didn’t know how to protect herself which only makes her uninformed in this area.

        “i am one of those 20 something girls who doesnt know how to completely protect myself”

        For you to pull that out of what she said either means you have some other issues or the label you gave her is actually on you.

  • G.E. Miller says:

    @Amber – I just highlighted all of the steps in this post – did you read it? =)

  • Nik says:

    Thanks for the post. I was just considering signing up for the annual plan with a 10% discount, but now it looks pretty useless. I’ll spread the word not to sign up.

  • Kev says:

    I have to say I know more than I would like to know about the world of Identity theft. To date though the most complete work on getting the word out on the epidemic possibilities of Identity theft is the book: The Silent Crime by Michael McCoy. A must read for anyone who knows the warnings of these posts and want to take responsible possitive steps to protecting themselves from all 5 areas of Identity theft!

  • Paul says:

    So, for $120 bucks a year, I can have someone do all this mundane crap for me? What is so bad about this service? There is a lot of things I can do on my own for free or for much less money… however, what is wrong with paying someone else to do it so I can persue the things I am meant to do?

    I don’t get the bashing of this company?

  • Eric says:

    Two points: First my time is far too valuable to let ten dollars a month keep me from having this service.

    Second: In August of 08 my wallet was stolen. I made one call to LifeLock which was followed up by a return call from them to notify me they had taken care of my credit cards etc: It worked for me and I’m a statisfied customer.

  • Miles says:

    Here is what I know. Several years ago my identity was stolen and I when through a year of trying to recover. It was a mess. Five years ago I purchased lifelock and have not had anymore issues. You can say they are misleading, but all I know is the impact they’ve had on me and that is my identity has been totally protected since I’ve joined them. I have nothing to gain but to tell the truth….Miles in Illinois.

  • Marcia says:

    I have experienced Identity Theft twice… in both cases, they were inside jobs from the credit card company. The first time was a nightmare… and more hassle than one can imagine… had to go back to every credit card I ever had, even those that we “pac-maned” up by other banks… was advised to cancel bank accounts as well as savings accounts and open new ones… Our local police were great and helped with the process… and thank God, I kept monthly statements for years past. Knowing what it takes… I am signing up for Lifelock but am still keeping my documentation. Also make sure you read your statements and follow all charges…No more surprises please!

  • Katie J says:

    brilliant!!! great info!!!!!

  • Marjorie says:

    Great article, I’m going to try to do this all on my own. I was wondering though, will adding a fraud alert through Experian have any negative affect on my credit report? Does it make it seem like you fear someone has already compromised your ID? I like the idea of proactively going in and having creditors confirm your identity before extending credit in my name, but only if it doesn’t make me look risky or anything.

  • MelD says:

    I had my Identity stolen and Citibank was very helpful in sending me all of the required paper work to advise the three credit companies, to place a fraud alert on my credit file, and any other steps necessary to clean up the theft. But I find that I can no longer get credit. Even though I have never defaulted on credit and have always had a clean history, and i completely own my home outright, every time i apply for a credit card I’m denied. I finally was able to get at $2000 line of credit from the bank where I have a checking account (but was denied a credit increase.) I feel humiliated, frustrated, and I feel like all my years of doing things the right way was all for nothing. I’m 52 years old and feel as if I’m starting from scratch. Any advice out there?

    • Mark says:

      Even with a fraud alert put on your file, you can still get credit. Contact one of the 3 companies and explain your situation. They’ll help you out. It will be extra steps involved when applying for credit it, but it’s not like you’re jumping through hoops our anything.

  • Dawn says:

    My house was recently broken into and in the process, mine and my 3 children’s social security cards where stolen as well as birth certificates. What can be done to protect my children from someone using there SS#s? I took the steps needed for myself, but not sure what to do for them.

  • Jude Kelly says:

    Lifelock like so many sponsors pay to have their protect endorsed by a Rush Limbaugh…this is how he makes money. It doesn’t mean he uses it (although he sez he does) just a sponsor paying big bucks to advertise. Don’t blame Rush, he’s got bills to pay too…

  • karen says:

    You are so right. No company seems to be doing a good job of protecting our data these days. How many times do we see stories about someone hacking into system and getting all of our email addresses, information, etc. Last thing I want to do is to give anyone my social security number!

    Thanks for the tip on!

    • JME says:

      Do not want your SS nr known? It already is, every body and their brother have it. You rent a house; landlords make a credit check. Accounts I established years ago, without SS nr, they now ask me for the number just to talk to me. Insurance, hospitals and clinics, Water Company, Power Company, ect. all have your number. They did credit checks too. And just think how many offices hold your numbers in their files, just ripe for an abusive boy friend to say, “Get me some account numbers or you do not love me….” And how do you know that somebody next door is not recording your cell phone and cordless phone calls for numbers you might give to your bank when you call? And then there is the US Government, with access to everything, and millions of employees, some of which you some times in the paper when they finally are caught. No Virginia, there is no Santa Claus.

      • Sherry says:

        NO ONE except the government, insurance companies and financial institutions can demand them from you anymore. Even utility companies can’t. I refuse to give it out to hospitals, doctors offices, etc as they do not have to have it. They know it and never insist on it. It is a hassle to jump through several of the hoops required to not hand it out to the utility companies, as they made me come in person to show several other proofs of identity, but I did it as I do not need that important number floating around in any more hackable databases than necessary. I NEVER EVER hand out my kids SSNs. They are not needed for anything, but taxes and to be put on our insurances.

        • Sherry says:

          Also, any of the reports you are talking about NEVER have the full number printed on them. I have purchased 3 homes in the last 6 years and rented two others. Our numbers were never printed for anyone to see. The last 4 numbers, yes, the whole number, no.

      • Dan M says:

        If a landlord asked for my social security number, I tell him I won’t give it out; then they usually back down. Every form at the doctor I fill out has a spot for SSN; I always leave it blank. That’s one reason I don’t sign up for the free credit checks, I don’t give out my SSN.

    • 1940zadok says:

      Thanks for all the good input. It may be a great service, but a lot of folks are insurance poor, and the security may not be worth the risk. (One mans’ humble opin.) 🙂

  • valerie says:

    Excellent post and website in general. Thank you very much for your tips.

  • Beth says:

    Thanks for these helpful tips. Still don’t know about Lifelock but I put several of these security protections in place. A couple of things though: I used the website and chose the Equifax report. I don’t know if it is specific to them or not but wanted to print my report and leave the site and it wouldn’t let me. There was a choice of Yes or No as to whether I wanted to “print and run” or set up and account to review for 30 days. I kept trying to use the NO button but it wouldn’t accept it. Thinking it might be my computer I tried to move around the page to fill in the info for the 30 part and it was working fine. When I went back up to the Y/N it still wouldn’t accept the no. Then it just went off highlight and wouldn’t even let me get to that question again. That was problem number one. The second was that he site asks us to use the RETURN TO ANNUALREPORT.COM when we are done, but it wouldn’t let me do that either. It kept asking me if I was sure I wanted to return and when I used the button it indicated it just stayed on that page that wanted me to set up the account. Annoyingly, it also kept using the EXCLAMATION point on every page to indicate I had to PAY for an actual score. I had the same problem when my husband did his report with Equifax right after me. My info was correct so I didn’t feel strongly about the need for a copy but if I have to pay for my husband and I for a score each time I use this I think I would prefer the better report and presentation I get from Otherwise this was a very helpful aricle and good research.

  • Smiller says:

    I appreciated the article. As I read I took a moment to add the fraud alert and to opt out. My question concerns losing a driver’s license: I just realized I lost mine 3 days ago. I’m going to the DMV first thing in the morning. Other than issuing a fraud alert what else should I do to prevent identity theft from someone potentially using my license?

  • Ric says:

    Hi G.E. Miller, I was ready to start all this on my own, fisrt by going to the experian site, but, when I was ready to fill the form, as usual, an insecurity thought came to my head, so I rather ask you (which it might be a stupid question, although the only stupid question is the one has never been asked), is it sage going through this sites filling all your vital information?

    Thanks man, I appreciate how someone helps the needy ones.

  • Debbie says:

    I have a problem that I have not seen written about, yet. My 38 year-old daughter keeps opening accounts with TV, cell phones, CC
    s, etc., over the phone. They only want my name, birthdate, and SS#, and they open the account. Sometimes, it takes years before I find out, at which point my only options are to either pay the bill, or put her in jail. (which I’d love to do, but…) I want to know it putting a credit alert on my SS#, and/or doing Life Lock will protect my SS# from these kinds of situations? In this day of cyber-hell/identity theft, I would think this would be a major problem with family members. Any comments

  • CWatson says:

    I got LifeLock because of its advertising in NRA magazines (and maybe AARP). But it is charging my credit card $18 per month for their most basic protection level! I found website because AAA is now offering ProtectMyID FREE WITH AAA MEMBERSHIP (YOU MUST ENROLL IN ProtectMyID Essential IN ORDER TO RECEIVE BENEFITS). Or PROVIDES EXTRA SURVEILLANCE THROUGHOUT YOUR DAILY LIFE FOR $6.95/MONTH (56% DISCOUNT FOR AAA MEMBERS) to monitor the other two credit bureaus. Does anyone need this? Does anyone need AAA or any other insurance? I’ve found AAA worthwhile. After the reviews on this Bargaineering and this website, I’ve decided to cancel my LifeLock and get the free version of ProtectMyId, since I am gonna keep AAA. I will try too, after reading the comments on this website.

  • Bagman57 says:

    I think your LifeLock review needs to be updated. There are comments from 2008 to 2013. Has anyone noticed this? There is LifeLock Ultimate now that has bank account protection for savings and checking accounts (right now now one else offers this), monitors websites and file-sharing sites and you can see your 3 credit scores on-line 24/7 among other services. They claim anytime someone tries to use your personal info to say apply for a credit card, get a payday load or access your bank account you will be notified and that transaction will be stopped. I think it might be worth the high yearly price if you worry about personal ID theft. You’ll never be completely protected from ID theft but having LifeLock might stop someone from stealing hundreds if not thousands of dollars that you don’t have and couldn’t pay back. Have anyone of you guys heard of people that find out too late that someone has used their personal info to buy a hundred thousand dollar house and now they have a house in their name they didn’t know anything about it and are stuck having to pay for it. Hopefully I won’t have to deal with a headache like that ever. So I’m going to try LifeLock.

    • CharleneB123 says:

      I actually just purchased LifeLock yesterday for the full $25/mo. Here’s my take on this: My aunt just had an issue with her taxes because someone got ahold of her SS#. My BF just received a bill in the mail for a credit card he did not open. My boss’ wife had her identity stolen 3 yrs ago and is STILL trying to resolve the issue. As for me – nothing has happened. Yet. But that doesn’t mean it couldn’t. I don’t have the time to check up on every account all the time. Besides that, yes you can do a lot of this yourself and you are allowed your free credit report every year. Once a year is not good enough. It needs to be monitored all the time. Every day. I don’t want to find out a year from now that someone bought a car or applied for a mortgage and left me holding the bag. IRS is slammed as it is. They’re not going to afford you the personal attention you need to resolve anything if it’s not withing their time-allotted schedule to do so. I want to be alerted the minute something happens, not 3 months later. I have a job, a house, a car, 2 retirements funds and 3 kids with prepaid college funds. I’m not going to put my family’s well being or future at risk because I didn’t want to take the necessary steps to protect my information with the resources that are readily available to me if I am able to afford them. I can guarantee you I’ve spent $25 a month on much more frivolous things, there’s no excuse for not having this in place.

      • Margo says:

        I have been a Lifelock customer for many years. I think of the service the same way as any other type of insurance. I’ve been blessed with no issues of ID theft and hope it remains that way- just know that I don’t think about it. I feel some peace of mind by having Lifelock and that’s worth something to me. I’m also not the type who wants to have to remember or be calling around asking for free things- Lifelock takes card of it and that’d perfect for me.

    • LizzyB06 says:

      They do call you too when a card is opened. I have been in the process of opening a card and received a call, text, and email while they are verifying my information at the counter!

    • Diane says:

      Yes my husband is going through that now!!!! in 2011 someone bought a car and 2013 a house!

  • James says:

    Wow, gotta say this seems to be an ad against Lifelock that would push someone to another service. While it may be true some of this can be done for free no one has time to do this and there’s nothing wrong with paying $25 a month to have someone do all this for you. For those that understand, this is a make or buy decision. Do it yourself or pay someone to do it for you.

    As for those who said they weren’t notified for their alerts? Maybe of you gave them correct contact info you would get alerts. I know several people who get all the alerts they are supposed to and had no problems. Funny how you did and they didn’t.

    Bottomline it seems as though every company and service has those that do not like them for whatever reason so continue your campaign against them and good luck with that, let us know how it works out for you. Waste your life railing against a company who prosecutes theives and actually helps people.

    When your get your identity stolen and can’t get a checking account much less a call phone or used car maybe then you will see how useful this service can be. Until then, enjoy watching your info travel the internet like a bad party pic and your financial life hit the wall and leave a splat worse than a water balloon at a junior high.

  • Steve says:

    G.E. Miller, Great job! Very succinct and helpful. I remember seeing the first Life Lock commercial with the CEO’s SSN# on the side of the bus. That certainly grabs your attention. I then reviewed not just the claims and advertisements but the fine print as well. That’s where I was quickly turned off. I recall there being so many loop holes in what is covered and the limitations of any expense incurred by them under the Million dollar protection that is seemed to me they could do very little and legally be ok with that. I feel I’m really purchasing is insurance for repair services. Attaching so many limitations is a red flag. This in no way makes it a scam but the potential is certainly there.

    Having just received a discount offer through an NRA mailing I thought I’d research it now that it’s been out awhile and ran across your article and numerous others. Seeing the lawsuits mostly revolving around my original concern I have decided to continue taking my own precautions regarding ID theft.

    As you and other reviewers have pointed out, it may very well be a value if you wouldn’t otherwise do it yourself. Don’t want to make your bed or do the dishes? Hire a maid. Don’t want to mow the lawn hire out for that too. Protect my identity? Ok I’ll spare some time.

  • Angel Choy says:

    Only in America!!!!! I have been in this country for 7 years and my experience opened my eyes. When I make payment with my purchase of goods or service with my credit, no one would check my signature (why sign??), rarely someone would ask for my ID. I wrote a company check to settle payment with another company, the check was lost in the mail and some other company deposited it. It means my bank release the fund to a company that is not on the check. I could deposit a check which was wrote to my mom into my bank account!!! No questions asked!!!!I went to court to fight for a traffic ticket, the court attendant didn’t even check my ID!!!! I could have sent a friend so I could save a day!!!!!!!! Amazing!!! I traveled around the world and these only happen in third world country. If everyone is serious about their job and be more professional, a lot of these problem could have avoided.

  • Dee says:

    During the Christmas Holidays 2012, my apartment was burglarized by tenants living in the building who got my keys from the maintenance man. The thieves took my dead mother’s and dead grandmother’s jewelry, personal things of mine, and information. The police did nothing- not even to interrogate the people responsible for this. They live on the 2nd floor (including the maintenance man and his wife). I suffer with those responsible for the burglary smirking at me daily as I go in and out. However, one officer did mention that I should subscribe to LifeLock. My question, after reading the comments, is what can LifeLock do for me since the burglary and Id Theft has already occurred.Protection for the future, perhaps, but anything retro?
    (Or is the Landlord responsible for compensation?)I want to try
    LifeLock. I am just not sure of what they can do in my situation.

  • NoJustice says:

    I too am one of those ready to be victimized. But first I would like to address those who criticize the original article (James, 4/3/13) for “railing against a company”, etc: The O.P. did NOT rail against anything, in fact, he states repeatedly that they do for you what you must SPEND TIME doing for free. And, he said you need to figure out for yourself if it’s worth it to you. Like an ADULT, you know?
    Of course they should get paid. And the people filing suit against Lifelock have no valid complaint if they did as most do: not spend the TIME and mental effort, to read ALL the “Terms and Conditions” to discover what they’re purchasing.
    Meanwhile the … people? … at the IRS just mailed me a letter, business sized so folded in thirds, in a cellophane envelope so that they can “save taxpayer money” (and expend less personal energy, ya think?) from typing on an envelope too.
    so, those … people? … whom I now have livid hatred for, also typed my full SSN in the top third of their letter. I am done for now.
    To Dee (6/6/13), with your upstairs neighbors, you are trapped unless you move. If I were you, I would have never said a word to anyone, and just move or murder the offenders. I really mean that. Those are really your only two choices, and in both cases, you should have never complained to even one person.
    Same for Debbie (2/12/13) with the daughter-that-needs-to-be-dead: IT is a dangerous predator, and you know IT has other victims, and you released IT upon this world.
    Something comes to mind about Civic responsibility and taking out the trash.
    As for me, God has kept me from finding those who victimize me, and so, like many, I just eat it and smile!

  • Peter the Elder says:

    Equifax locks your identity so that any time someone tries to open an account with your identity, they are disallowed and you are contacted to verify. Expensive – $20/month.

  • Jimbrewski says:

    Thanks for the post. Was getting ready to sign up for LifeLock as our home was broken into today along with several others in the neighborhood. No valuables stolen but drugs were taken and possibly identity information. Canceling credit cards, bank accounts, etc., was easy as you indicate. Got the alert set up on Experian and opted out of the offers. And in case anyone is considering an alarm to prevent this, one of the houses that was broken into had an alarm, it went off, the thief went in anyway and was out and gone before the police had a chance to get there. Get to spend tomorrow changing locks and securing things even more than they are now. Again, thanks for a great post.

  • Sherry says:

    THIS ARTICLE (and comments) IS 6-SIX-YEARS OLD. I can’t see what was supposedly updated as the info I read still wasn’t current.

    Please understand that as the issues/problems with LifeLock that are complained about it 2008 have actually been addressed or made more clear in writing. They specifically say that they DO pay for document replacement and fees, even days off of work to get them filed, etc.

    That said, I agree with the several people who have said even though this can be done for free (and lots of time) they just want the peace of mind that someone else is ALSO looking out for them.

    RE: SSNs… NO ONE except the government, insurance companies and financial institutions can demand them from you anymore. Even utility companies can’t. I refuse to give it out to hospitals, doctors offices, etc as they do not have to have it. They know it and never insist on it. It is a hassle to jump through several of the hoops required to not hand it out to the utility companies, as they made me come in person to show several other proofs of identity, but I did it as I do not need that important number floating around in any more hackable databases than necessary. I NEVER EVER hand out my kids SSNs. They are not needed for anything, but taxes and to be put on our insurances.

    I have 5 in-laws whose SSNs were stolen from their bank and it took close to 10 years for them to get everything taken care of. If I can save myself from that, I will sign up for several companies.

    I had my debit card # stolen TWICE this Dec (2013) and my Citibank # was used just two days ago. I have not yet signed up for LifeLock, as I am still researching and several of our insurance companies are offering similar services, but as it seems like I am so very close to having a large identity breach, I am on the hunt for the best protection service/s out there.

  • TOMMY says:

    How would you know on your own if someone at any time uses your SS# at random to open a credit card? How would you receive this alert on your own? Do you just keep locking down your 3 agencies every 90 days?

  • MEG says:

    Within the last 3 weeks, my one credit card was fraudulently misused which I was fortunate enough that the cc company called me regarding the purchases. They cancelled that account and reopened (of course they want my business) . Then I received a letter from the IRS that my info was in the recent breach – all my info. Now I am quite upset that the government an agency supposedly with high regards to protect identity theft allowed this to happen. Who am I kidding? So I am researching LifeLock although I always have monitored my credit report for the free annual report and I have placed a fraud alert on my accounts. So I am not quite sure if LifeLock is worth it?

  • Karen4755 says:

    I get Lifelock for free because I pay for AOL as my internet provider.

  • Lee says:

    We have LifeLock and maybe it is not for everyone, but they do one thing that we have found very useful and comforting. Whenever a new credit account is opened in your name, or a credit inquiry is performed, they notify you immediately (within hours and sometimes minutes) on your cell phone. In our case, the new accounts and inquiries have always been legitimate. If they are not legitimate, LifeLock will help you lock down your credit immediately and notify the applicable creditor that it is not you seeking the credit.

  • Gustavo says:

    Good article, it prompted me to make my own research and here is some more information that could be useful. a) A security freeze has to be placed in all three credit bureaus separately. They DON’T share the information, according to Experian as of 05/20/2014.
    b) The fees differ per state, but for Florida residents its $10 to place a freeze (with Experian only) and $10 to temporarily or permanently lift the freeze.
    c) It doesn’t say anywhere in Experian’s webpage if a security freeze will automatically expire after certain period of time.
    d) Its free if you are a victim as states in this article or if you are 65 or older.

    • Irv P says:

      I put a freeze on the three credit agencies a few years ago. I’m in NH and it cost $10 each for life. They then each sent me a package with special unlocking passwords. It seems to work great. Even my own bank (TD Bank) could not get my credit reports when I was trying to get an equity loan. Also, I told an independent broker that I had a freeze, and he said just give him my SSN and he was sure he could get my credit – well, he couldn’t. Now my local phone company can’t even switch my phone account because they said my credit was frozen. So, in the cases of the banks, they each requested I unfreeze one given agency for two weeks, which I did for $10 each time, and it was quick and easy. For the phone company, I had to tell them I refused to give an SSN, and then scan and send two proofs of ID, which I did and they are still working on it. So, it sounds like a pain, but I don’t generally need new credit, and if it is a pain for me, then it is going to be a bigger pain for the thief. So, I kind of enjoy the trouble, and I can sleep better at night.

      Very nice article, but it seems to me that the freeze is a more certain way to go. You could complement that with alerts from each credit card, which I generally do, but now I think I should take a close look at that too. Same goes for the bank accounts.

  • Tom says:

    Six years ago someone took my dog. Last week I signed up for ‘Lifelock.’ and WHAM, yesterday Lifelock got my dog back for me. Thanks again Lifelock!

  • Rob smith says:

    Worth it for sure if you have something to lose!!!

    I have had my identity stolen and i can tell you it sucks.

  • Josh says:

    I think it’s worth it for the Basic package. I had my identity stolen when someone claimed my tax return. I’m not good at keeping up with credit reports and checking things manually so the price of the basic plan is not that expensive.

  • April May says:

    Looks like you tried to conduct an objective review. Well done, and very refreshing.

  • bad61 says:

    I just got two things to say. the fact is, somebody like Discover card that gives you a free FICO score should also as a benefit offer identity theft. But then again any of the credit agencies should give you the same benefits and notify you when your credit is being used. I recommend everybody get their credit report frozen and then if you ever need anything I’m freeze it.

  • Michelle says:

    Great article G.E.! Thanks for saving me the time of having to research all this myself!

  • Marc Ramsey says:

    Was wondering if G.E. (or anyone else following his blog) have looked into the service offered by an outfit called Consumer Information Bureau. They claim to offer services akin to Life Lock but for a one-time fee instead of monthly fee. Any information you would care to share would be appreciated.

  • Eaton 60 says:

    I am attempting to go through a rent to own program, but then they wanted all of my personal information. I was also told that it is a requirement of The Rent to Own programs that I had to register for the basic Life Lock plan or they could not help me. Does anyone know if making life lock membreship mandatory legitimate? Their response when I questoned them about this, they said that they had to know that the ‘the money was there’. I was a homeowner for 20 years, and no one verified the money in this fashion.

    • Steve says:

      Eaton, Not sure what Rent to Own agency your working with but it would make sense they need to run a credit check on you. Mandating a Lifelock membership sounds totally bogus! Apart from being a total waste of cash in my opinion what possible reason would this agency have for this requirement? I smell commission.

  • watt says:

    has anyone out there who has had their identity stolen while covered under lifelock plan and had life lock spend a substantial amount of money to hire lawyers, detectives etc to clear your name

  • Timothy says:

    I think if $10 a month is just an inconsequential amount to you, then Lifelock is a decent investment. I mean if you’re making a $1 million+ a year, why not? But if you’re living on a budget like most people, I’d say just play it safe and use the free resources available – identity theft isn’t really THAT big of a threat, especially if you aren’t foolish when you use a computer.

  • Chris says:

    Hi G.E.,

    Great post! I am a Lifelock member. Is it safe to provide Lifelock with my bank account number?



  • says:

    Haven’t tried Lifelock before but given these cool features for security, I think I might give it a try sometime.

  • ivy tamwood says:

    in Michigan, each bureau charges $10 for *each* action per bureau! I may as well pay for lifelock.

  • Alex Turner says:

    the fact is, somebody like Discover card that gives you a free FICO score should also as a benefit offer identity theft. But then again any of the credit agencies should give you the same benefits and notify you when your credit is being used.

  • Annie SH says:

    I am wondering whether hackers will try to hack Lifelock. Then where would we be?


Enter your:

Home | Sitemap | Terms | ©