Disclosure: I was compensated for this post. All opinions expressed are 100% my own.
Last month, I shared my story of being a victim to identity theft twice in the past 10 years. I used to think that identity theft would never happen to me. After sharing my ordeal, I had many people tell me that they also went through the same thing. Identity theft is a real concern for everyone, but thankfully there are things you can do to protect yourself.
Monitoring your credit is only part of the equation and is not proactive identity theft protection! I know many people believe that if they check their credit scores once a year, they will be fine. In reality, there’s so much more to protecting your personal and financial information.
I’ve shared information on my blog about LifeLock before, but today I wanted to get more into the nitty-gritty of what kinds of services they offer. LifeLock is an Identity Theft Protection Service and you’ll see that they go above and beyond basic credit monitoring!
So I’m sure you’re wondering now what exactly does LifeLock do to protect your identity. When you sign up for a LifeLock membership, know that they are doing everything possible to protect you….relentlessly. With a LifeLock membership, you’ll get the following:
Identity Theft Detection and Alerts: Thieves use stolen personal information to get credit cards, take out loans, mortgages, etc. LifeLock actively monitors applications in an extensive network for any attempts to use your personal information. If they detect anything suspicious, you’ll receive either a phone call or email alert to find out right away.
Lost Wallet Protection: If you ever lose your wallet or it’s stolen, give LifeLock a call. They will help to cancel and replace the contents. They cover debit and credit cards, driver’s licenses, Social Security cards, checkbooks, traveler’s checks, insurance cards, etc. Side note: My ex-husband’s wallet was stolen when we were on a trip in Northern Ontario. Not only did we have to report it to the police, but we had to try and remember every card that was in his wallet. Trying to call from a hotel room with no information at our fingertips was not an easy task. I would have loved to have Lost Wallet Protection then!
Address Change Verification: LifeLock will notify you any time a change of address is requested in your names. This helps to protect you against thieves redirecting your mail by impersonating you and providing a fraudulent address.
Black Market Website Surveillance: Buying, selling and trading personal information on black market Internet sites is a big business for thieves. There are over 10,000 criminal websites on the web and LifeLock patrols all of them. They will notify you if your personal information is found on one of these nefarious sites.
Reduced Pre-Approved Credit Card Offers: Pre-Approved credit card mailing lists are a source for identity thieves to find victims. LifeLock will request on your behalf that your name is removed from these mailing lists. I despise when I get these in the mail and always make sure I shred them. I don’t want a credit card and if I did, I’d apply for one myself. I didn’t realize that they were one of the ways identity thieves get personal information.
Award-Winning Member Service 24/7/365: LifeLock is always there when you need them. It doesn’t matter if it’s the middle of the night or on a holiday. You can call email, or login into your secure member portal anytime and they will be there to help.
$1 Million Total Service Guarantee: If you are ever a victim of identity theft, LifeLock will spend up to $1 million to hire experts to help your recovery.
For even more comprehensive protection, consider a LifeLock Ultimate membership. It also includes the following:
Checking and Savings Account Application Alerts: LifeLock will continuously search for your personal information in new bank account applications at national banks, local banks and credit unions across the USA.
Bank Account Takeover Alerts: LifeLock will also monitor existing checking and savings accounts for unauthorized changes to your personal information. You’ll be informed of any changes to account contact information and attempts to add new account holders to your existing accounts.
Enhanced Credit Application Alerts: You’ll be alerted when new credit applications are made against your credit file.
Online Annual Credit Reports and Scores: Unlimited, anytime online access to all three annual credit reports and scores allowing you to check to see if your information is accurate and up-to-date.
Monthly Credit Score Tracking: A monthly single-burea credit score tracker helps you to see how your credit is trending over time and identify important changes.
Priority Award-Winning Member Service 24/7/365: With the LifeLock Ultimate membership, you can contact the LifeLock team and get answers anytime, anywhere. The bonus is that you are moved to the front of the line!
A LifeLock Ultimate Membership also includes the following benefits offered in their other plans:
- Identity Threat Detection and Alerts
- Alias Name and Address Monitoring
- Lost Wallet Protection
- Court Records Scanning
- Address Change Verification
- Unauthorized Payday Loan Notification
- Black Market Website Surveillance
- Sex Offender Registry Reports
- File-Sharing Network Searches
- $1 Million Total Service Guarantee
- Reduced Pre-Approved Credit Card Offers
As you can see LifeLock is so much more than just credit monitoring. That is just the tip of the iceberg so to speak!
I encourage you to visit the LifeLock site and familiarize yourself with their plans and see which one is right for you. Receive 10% on your purchase with the promo code: LifeLockSafety.