What is LifeLock?
In a perfect world we would not have to worry about the threat of someone stealing our identity and ruining our credit. Unfortunately, we live in an imperfect world. Fortunately, there are services available, such as LifeLock’s Identity Theft Protection Services, which work to protect your identity. Although there are pro’s and con’s to using such services, LifeLock’s pros greatly outweigh their cons.
Pro number One: When comparing LifeLock with other identity theft protection services, LifeLock immediately stands out from the crowd by offering child identity protection services. No other identity theft protection service offers credit checks and monitoring services for children under the age of 15. With the increase in the number of child identity thefts occurring, LifeLock has hit the mark when it comes to this number one pro.
Another pro of LifeLock is that LifeLock works to prevent identity theft. While most companies provide identity theft monitoring services, LifeLock’s services are proactive in preventing identity theft from occurring in the first place. LifeLock’s identity prevention services include detecting when a member’s address has been illegally changed in national databases through their TrueAddress services; placing fraud alerts on your credit files; and monitoring the internet for black market activity regarding the illegal use of credit card numbers and social security numbers through their eRecon services.
Pro number Three: LifeLock reduces the amount of pre-approved credit card offers that come in the mail and the number of telemarketing calls received, which are prime ways for identity thieves to steal your personal identification information. This service makes it extremely difficult for a thief to steal identifying information from via a mail box or trash can. The reduction in the amount of junk mail you will receive is certainly, in and of itself, a Pro! However, the fact that you will not get tricked into revealing your identity is actually the Pro we are excited about.
The only con that LifeLock may be considered to have is that they do not perform daily scans of a member’s credit report. LifeLock does pull credit reports annually and mails them to their members for review; however, some individuals may not think this occurs often enough. Keep in mind though, since LifeLock places fraud alerts on their members credit files, any unauthorized request for credit or loans will be discovered almost immediately.
Lastly, one of the best pros to using LifeLock is their $1,000,000 total service guarantee. Because thieves will inevitably find “a way around the system,” there may be a day when a thief may find a way around LifeLock’s system. If this happens to a LifeLock member, LifeLock will provide attorneys, investigators, accountants, case managers, etc. to restore the member’s good name and credit. In addition, if the member loses money as a result of the theft, LifeLock will reimburse the amount lost.
When it comes to weighing the pros and cons of using an identity theft protection company, the scales are tipped towards LifeLock. LifeLock offers some of the most comprehensive identity theft protection and prevention services available. When deciding which identity theft protection company is right for you and your family, it is clear that LifeLock’s identity theft protection services outweigh the competition.
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