ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

LifeLock Review Identity Theft Protection

Updated on February 4, 2013

Why Choose LifeLock?

LifeLock is the identity theft protection company with the CEO who publishes his social security number on the side of a truck in New York City. That's really what catches most people's eye because who is crazy enough to publish their social security number?

Why do I need identity theft protection?

The Federal Trade Commission (FTC) has stated that identity theft is the fastest growing crime in the world. Identity thieves and hackers have found themselves a very profitable niche that's safe from arrest and prosecution. Only a very small number of thieves get caught and an even smaller number are convicted.

There's a huge market for identities out there and you only have to have an internet connection to get into the business. Imagine a thief getting his hands on a laptop with 5000 identites on it. At $100 per pop, he can clear half a million dollars.

So no matter how careful you are with your identity, your still at risk from security breaches.

What does LifeLock do to protect me?

LifeLock will:

  • Stop pre-approved credit offers and junk mail
  • Order your credit reports and have them mailed to you
  • Put a Fraud Alert on your credit and renew it for you
  • Lost or stolen wallet protection called WalletLock
  • Scan the internet's known criminal websites looking for illegal selling and trading of your personal information.
  • Monitor the Address Change databases to be sure identity thieves haven't hi-jacked your mail.

The Fraud Alert needs to be done correctly and renewed every 90 days.

If can do that some of that stuff myself for free, why do I need LifeLock?

There's no protection that's 100% fool-proof against identity theft. Identity thieves can take bits and pieces of different people's identity and create a new 'person'. This wouldn't necessarily show up on any credit reports because the data is too polluted and mixed up.

LifeLock offers a $1 million total service guarantee that if your identity is ever stolen while using their services, they will fix it for you AND reimburse all your expenses up to a million dollars. They promise to do whatever it takes to restore your credit and that includes hiring experts to help you. There's nothing quite like an expert when you really need some help. Having their guidance and expertise is priceless.

Is LifeLock better than Credit Monitoring?

Credit monitoring is a well-known and highly used service. It's offered by the credit bureaus - Equifax, Experian and TransUnion. They each have their own plans that range in price from $9.95 - $14.95 a month. You can also get credit monitoring from Wells Fargo and Discover Card for $12.95 a month.

Credit monitoring services watch your credit report and notify you if any changes have been made or new credit has been opened. Essentially, they're letting you know when someone has stolen your identity and opened a new line of credit. They have a help line you can call for advice but you're on your own to fix it. They offer up to $25,000 of identity theft insurance.

The idea behind LifeLock is to prevent identity theft, not to wait until it happens. LifeLock doesn't monitor your credit because they've found it offers no additional protection after they've set locks on your credit report. LifeLock is the new breed of protection.

Here's a thought to consider.

The credit bureaus don't talk much about fraud alerts, maybe because they're free. Plus, they make you renew them every 90 days. This is because they don't make any money from them. They do, however, make money from selling you credit monitoring.

Until just a few years ago, you had to pay them for your credit report. Then government mandated that everyone is entitled to a free credit report once a year available through ''. So what's the deal with that '' site? That's a credit bureau trying to sell you credit monitoring.

What about other identity theft protection companies?

If you compare Identity Theft Protection plans, you'll find they have many similarities. The most recognized plans like TrustedID and Identity Guard place fraud alerts for you, too. They then go on to offer credit monitoring with email alerts as well. This is the major difference between them as LifeLock did studies and found that credit monitoring offered no additional protection, it just added to the monthly cost.

Identity Guard offers several different level of protection ranging in price from $11.99 a month to $14.99 a month for total protection. As a subsidiary of Intersections, Inc, they have been protecting over 7,000,000 businesses and individuals since the mid 1990's.

TrustedID is $12.99 a month and is endorsed by Suze Orman. It's a widely know and respected company. In addition to placing fraud alerts for you, they will also put a security freeze on your credit for an additional fee saving you from having to do it yourself at each credit bureau.

How much is LifeLock?

If you go to their website - - the regular cost is $10 a month but there's a box for you to use for a promotional code.

To lower your cost to $9 a month, use the promotion code - 9. You'll also get your first month free as a trial period.

You can also call them at 1-800-LifeLock (1-800-543-3562) and mention you have the promo code - 9.

If you want a streamlined identity theft protection plan whose CEO puts his money where his mouth is, choose LifeLock.


Submit a Comment

No comments yet.


This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

Show Details
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)