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

By: Dawn

Dawn — Fri, 30 Sep 2011 04:28:02 +0000

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.

By: Mark

Mark — Tue, 20 Sep 2011 18:52:35 +0000

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.

By: Mark

Mark — Wed, 13 Jul 2011 15:34:50 +0000

This post is quite old.

Lifelock can no longer put an “Initial Security Alert” on you. The 3 credit bureaus were so swamped when Lifelock did this, they banned them from doing it any longer.

Lifelock did notify us that this portion of their service had ended in the fine print of an email, but it was buried so far down in the email that I’m sure 99% of the customers were unaware.

I was (and still am) a member of lifelock when my wife’s identity was stolen. Lifelock did help clear up the mess, but had the initial security alert been in place, as it was when I first joined the service, the identity theft would not have happened.

You can do it yourself though. It has no negative affect on you credit. I’ve been doing it for the last 6 quarters.

By: MelD

MelD — Thu, 02 Jun 2011 21:54:22 +0000

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?

By: Marjorie

Marjorie — Mon, 11 Apr 2011 19:41:52 +0000

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.

By: Michael

Michael — Tue, 19 Oct 2010 23:40:47 +0000

I tried LifeLock for about 4-5 months. In that time I opened up two new credit cards and no one from LifeLock emailed me or contacted me in any way. I got both cards with no hassle. I have no idea if Lifelock was watching anything happening or not. If they showed me all activity occurring with my name and personal info, then I would find that valuable. I just don’t trust they are doing anything for me.

By: Katie J

Katie J — Sat, 28 Aug 2010 00:17:56 +0000

brilliant!!! great info!!!!!

By: lifelock is a sham

lifelock is a sham — Wed, 19 May 2010 16:19:18 +0000

Lifelock is a sham. There are people who subscribed to life lock and are suing the company for not protecting their identity. These people identity were destroyed and life lock DIDN’t Protect them.

Don’t believe this crud there want you to pay for. People lives are destroried and Lifelock keeps asking you for your money no matter how far they mislead you.

By: tejoria

tejoria — Wed, 10 Mar 2010 01:45:02 +0000

Its amazing how much money those guys make off gullible people.

Yes, Lifelock is a HUGE moneymaking sham. I’ve been in security since the early 90s. I followed these guys since their beginning. initially in one of those “gosh I could have, should have done that”. There are millions of gullible people out there. Lifelock plays on their fears. But offers no value other than what one can do on their own for free with Credit freezes and fraud alerts. But those millions of gullible people add up to huge revenues/profits, much of which gets plowed back into marketing dollars to again play on gullible people’s fears for even more profits.

the guarantee has a very big caveat. They will only spend “up to a million” to correct the problem if your identity is stolen BECAUSE OF SOME FAILURE OR DEFECT IN THEIR SERVICE. That is not only extremely unlikely, it would be nearly impossible to prove. So what would invoke that? instead of scanning databases and finding your personal data, they send out your personal data? and somehow its proven that it came from lifelock. Impossible. That guarantee should be a very obvious sign as to why people should not do business with them. Its one thing to offer a service guarantee, but to sell it as something more than it is, is flat our wrong.

its a game of marketing. the one with the biggest budget seems to win. Gullible people keep funding that budget, and the sham continues.

By: Marcia

Marcia — Tue, 09 Mar 2010 18:45:53 +0000

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!