What is Lifelock™?

No one is immune from becoming a victim of identity theft.

Many times you can become a victim but are unaware of it until you get your credit card statement with a charge that you do not recognize, you have money withdrawn from your bank account, or you go to apply for a loan, get denied and find out is because of something negative on your credit report. And of course, how about the many identity theft horror stories you have heard.

It was therefore, a great move by Congress in 1998 to pass the Identity Theft and Assumption Deterrence Act. This act makes identity theft a new Federal offense. This good piece of legislation “prohibits knowingly transfer[ring] or us[ing], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law.”

With this new legislature and other existing laws, the Department of Justice was able to prosecute cases of identity theft and fraud under a variety of Federal statutes.

However, despite added teeth to law enforces, identity theft and fraud still continue to occur. Will you wait until your identify is stolen?

LifeLock™ – an identity theft prevention specialist established in Tempe, Arizona – is currently an industry leader committed to stopping this cyber crime dead in its tracks, even before data thieves and pirates can gain access to your personal information.

When you sign up for LifeLock™ services you get five points of protections which include:

  1. They monitor your identity
  2. They scan for identity threats
  3. They respond to identity threat
  4. They guarantee their services
  5. They will track your credit score

They are more than a credit monitoring service and will also help to protect your personal information. They do this with a combination of outstanding member services and data surveillance techniques. LifeLock™ offers these services twenty-four hours a day, seven days a week.

Within forty-eight hours after completing your enrollment you will receive a welcome email detailing all of your member benefits. You will also be directed to your own online member portal so you can finish your profile. You will also at this time provide the rest of the important information that is use for monitoring your identity. Although it takes up to forty-eight hours to get all this information, you will be protected immediately after your complete your enrollment.

When you sign up for LifeLock™ services you have a choice of four different programs to choose from.

  • LifeLock Basic
  • LifeLock Command Center
  • LifeLock Ultimate™
  • LifeLock Credit Score Management

LifeLock™ Protection Services

  • Notification of non-credit and credit threats
  • Removal from pre-approved credit offers
  • Access to alerts and member portal dashboards
  • Monitoring of known criminal websites where your personal information may be traded illegally
  • National databases are scanned for new address information
  • Live phone support any time of the day or week
  • Lost or stolen wallet remediation services which will help to replace or cancel debit and credit cards
  • Direct access to fraud resolution teams
  • Resolution teams work directly with service providers and lenders
  • Having access to a dedicated remediation specialist
  • Service guarantee
  • Referrals for additional services such as legal

LifeLock Command Center™

This service includes all of the services with the regular LifeLock™ services plus the following:

  • Enhanced reporting of threats
  • Expanded scope that includes court and public records
  • Looks for use of known alternate names
  • Monitoring for payday loans nationwide

LifeLock Ultimate™

This service has all of the services provided by LifeLock™ Command Center plus the following:

  • Sends an alert when credit inquires appear on your credit report
  • Sends an alert when new savings and checking accounts are opened
  • Most comprehensive ID theft protection in the industry
  • Tri-bureau credit report inquires
  • Scans for changes to contact information on your existing savings and checking accounts
  • Online access to your annual credit reports and scores anytime
  • Advance identity theft protection
  • Monitoring of all three credit bureaus
  • Email notifications of changes in your score
  • Monthly tracking of your credit score
  • Unlimited online access to your credit report information
  • Being aware of how your identity and credit score appear to the world

LifeLock™ Credit Score Manager

This service only covers the following:

  • Monitoring of all three credit bureaus
  • Email notification of changes in your score
  • Monthly tracking of your credit score
  • Online access to your credit report information that is unlimited

When you sign up for LifeLock™ or LifeLock Ultimate™ you will automatically get their one million dollar identity theft service guarantee. This means that if you become a victim of identity theft will enrolled in either program because of some defect or failure in their service they will spend up to one million dollars to help you in your recovery of your identity. This includes hiring experts, investigators, lawyers, or whoever you need to get your identity back.

They also offer identity theft insurance with a zero deductible that will reimburse you for certain out of pocket expenses that include lost wages, elderly and/or child care, fraudulent withdrawals, travel expenses, and document replacement fees.

Once the claim is verified they will provide:

  1. A resolution specialist to be your single point of contact and access to their toll free resolution line.
  2. Case assessment by the resolution specialist and a third party recovery expert
  3. A full explanation of what to expect during the recovery period and your rights
  4. Step by step instructions on how to handle the things that are required for your recovery
  5. After your matter has been resolved you will receive a follow up call to make sure you are totally satisfied and that your identity has been recovered fully

As you can see from above, Lifelock™ is truly the most comprehensive Identity Theft Protection available today.

If you wish to sign up for Lifelock you may go to their website at Lifelock.com and use the promo code bestlifelockpromo. This is the best Lifelock promo code available and it will save you a bundle. Or you can click here and it will take you to the Lifelock website.