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LifeLock

How LifeLock Works             Life Lock

LifeLock helps protect your identity - even if your information falls into the wrong hands. We provide you early notification of identity threats, search the web for the illegal selling of your information, help cancel and replace the contents of your lost or stolen wallet, verify change of address requests and much, much more.

Now, with the added power of our enhanced LifeLock Command Center protection suite, LifeLock can also help you know where your identity information is and where it's been.

Read on to find out how LifeLock Command Center services can give you peace of mind through detection, protection and remediation. Then click 'Enroll Now' at the bottom of the page to help protect your identity today

LifeLock Command Center™ Offers You

  • Proactive Identity Theft Protection
  • LifeLock Identity Alert System
  • $1 Million Total Service Guarantee
  • LifeLock Identity SDS
  • LifeLock Personal Breach Detection
  • Reduce Credit Card Offers
  • Only $15 a Month 

  

How does LifeLock protect my identity?

1. Enrollment

  • Welcome to LifeLock! Upon enrollment you are immediately covered by our $1 Million Total Service Guarantee if you become an identity theft victim because of a failure in our service. The details of our Service Guarantee can be found in the Terms & Conditions section of our website.

  2. Credit bureaus contacted

  • You will receive an email from us stating that your free annual credit reports have been ordered on your behalf from the major credit bureaus. Your reports will be mailed directly to you.
  • Every 12 months we will request new copies of your free annual credit reports.

 

3. Your locks are set

  •   Our LifeLock Identity Alert™ system provides early notification by phone, email, and/or postal mail whenever we detect your personal information being used to apply for credit or services in our database.

 

4. Pre-approved credit offers blocked 

  • You will be sent an email from us saying that we've asked for you to be removed from pre-approved credit offer lists. By blocking pre-approved credit offers, we also block one of the avenues thieves use to steal your identity. 
  • You should begin seeing a dramatc decrease in pre-approved credit card offers.  Please note that banks with which you already do business can continue to send you pre-approved credit offers unless you tell them specifically that you don't want them anymore.

 

5.  Support 

  • If your wallet is ever lost or stolen: We're here to help! Just give us a call and a WalletLock Specialist will help you contact each affected credit card, bank or document issuing company, cancel those accounts and complete the paperwork and steps necessary to replace your lost documents*, including your credit/debit cards, driver's license, social security card, insurance cards, checkbook - even travelers checks - at no additional cost. You're even covered overseas.

  *Pictures, cash and other monies are excluded. Member is responsible; for all applicable fees charged by document issuing companies to replace lost or stolen documents. 

  • If you ever have a question or need help:Our highly trained specialists are here to assist you 24 hours a day, seven days a week at 1 800 LIFELOCK (543-3562).

 

6. Monitor 

  • We alert you to potential threats: We'll keep an eye out for identity threats with our identity monitoring package.  
  • eRecon™ scours known criminal websites that traffic in the illegal selling or trading of your personal information (including your Social Security number, credit card numbers, driver's license and email address, if provided) and informs you when something is found.

 

  • TrueAddress™ notifies you when we detect any new address information associated with your name in address databases nationwide. This helps alert you if a criminal has changed your address to steal mail and obtain your financial information.

  Last, but certainly not least is our $1 Million Total Service Guarantee: If your identity is stolen while you are a member of LifeLock because of some failure or defect in our services, we're going to do whatever it takes to recover your good name. We not only assign you a dedicated specialist to help you, but we will spend up to $1 million on lawyers, investigators, accountants, case managers - whatever professionals you need to help you recover. That's right, we will do whatever it takes to help you recover your good name and we will spend up to $1,000,000 to do it.

 

 

#1 in Identity Theft Protection

 

 Sign up for LifeLock® Service and get H&R Block At Home Deluxe Edition FREE! (valued at $44.95).Code MARCHTAX. Valid 3/1/10-3/31/10.

 

 Don't wait until you are a victim of idenity theft
PREVENT IT!

Identity Truth

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How will your change in credit card interest rates impact you?

 

September 1, 2011

If you happen to miss a payment on your credit card or any other loan it may impact your credit card interest rate. If you owe about $1,000 at 11% interest it will take you 73 months (6 years) to pay it off and $320 in interest. but when your credit card company increases your interest rate due to a late payment, even if the late payment is not that credit card, they can increase your rate to a penalty rate. Let's say that rate is 19.9% (some states allow up to 29.9%). It will now take you 100 months to pay off your balance (8.3 years) and $860 in interest.

It pays to pay your minimum payments on time.

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FREE Credit Scores for Prospective Borrowers or NOT.

September 5, 2011

It has been just over a month since the new Federal credit score disclosure law went into effect. Lending institutions have already found loopholes to keep from disclosing your credit score when you are denied credit, loan, or if you received less desirable terms because of your score. According to SmartMoney.com there are time you may not get a credit score. These are usually when banks use their own in-house credit scoring system. There are other ways to get your credit score that will not impact your credit rating by going to MyFICO.com  Click here for more information.

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