What does LifeLock do?
There is something that LifeLock does that you can easily do yourself.
The first one is to reduce your junk mail and pre-approved credit offers. I did that myself about 4 years ago after reading an article in a magazine that mentioned you can call 1-888-5-OPTOUT (1-888-567-8688) or visit www.optoutprescreen.com. The advantage of not getting all those credit offers is that you have less junk mail to shred. You shouldn't just toss them in the garbage unopened. You can always opt back in if you get lonesome for junk mail.
The second thing LifeLock does monitor the internet for use of your identity. Now I know you can do that, but I'm not exactly sure how. Plus I'd have to be super-vigilant about doing it all the time.
Now, I can do this for myself. I can also mow my own yard (plus it's good exercise). But I don't. I let experts do it for me because my life is already complicated enough and when I have down time, I want to do something FUN.
What does LifeLock do that I can't do myself?
They have a $1 million service guarantee** that states if your identity is ever stolen while being one of their clients, they will hire experts for you and reimburse you for losses up to a million dollars. All you have to do is call them. Member Services are available 24/7/365.
Do you have any idea how important and valuable that is? When was the last time you made a call to some customer service trying to correct something? I called to cancel a credit card just yesterday and it took me 20 minutes. Just for one simple thing.
Knowing LifeLock will take care of 'things' for me if my identity is stolen is like a comfy security blanket.The hours and hours you'll spend undoing the damage to your credit will grind you down. Sometimes you'll feel like giving up and just paying an account that's not yours just to be done with the whole darn thing. It can go on for years.
They also offer a service called WalletLock. If your wallet is lost or stolen, one call is all it takes and you'll get specialists working for you to replace the contents of your wallet including credit cards, insurance cards, driver's license, even passports. Another HUGE time saver. Plus, you've got coverage from damage a thief can do with your personal information.
So does LifeLock really work to protect you from identity theft?
Well, nothing is 100% perfect. To my knowledge, LifeLock has stated that they've had 3 identity theft happenings with their customers while using LifeLock. That's why they offer the $1 million service guarantee**.
The $9 a month cost is like pocket change. I have LifeLock's protection because I've spent too much time reading articles about identity theft and security breaches. Most of the time, victims never even know how their identity was stolen.
Signing up for coverage is simple and fast. You can be covered within the next 5 minutes by going to LifeLock.com or calling 1-800-LifeLock. You won't even have to pay anything now because your first 30 days are free*.Give it a try and then breathe a deep sigh of relief knowing you're protected and never have to worry about identity theft again.
**The benefits under the Service Guarantee are provided under a Master Insurance Policy underwritten by State National Insurance Company. Under the Service Guarantee LifeLock will spend up to $1 million to hire experts to help your recovery. As this is only a summary, please see the actual policy for applicable terms and restrictions at LifeLock.com.
