in Credit Monitoring Tools from LifeLock
Mostly not recommended
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|Community Rating||Mostly not recommended|
|Triple Bureau Credit Monitoring||Provided|
|Identity Theft Insurance||Provided|
|Max Monthly Fee||$29.99|
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LifeLock is a leading provider of identity theft protection services. The business is based in Tempe, Arizona, and was started in 2005.
What Services Does LifeLock Offer?
LifeLock offers a wide selection of identity theft and credit reporting services. These include SSN and credit alerts, bank and credit card alerts, alerts on crimes in your name, monthly credit score tracking, and 401(k) activity alerts.
How Does LifeLock Work?
LifeLock is a subscription-based service that detects and alerts cases of identity theft (see disclaimer) and helps users recover from the damage inflicted when ID theft does occur.
LifeLock divides its services into three tiers of protection. LifeLock Standard includes credit alerts (see disclaimer), dark web monitoring, lost wallet protection, USPS address change verification, $1 million in insurance and resolution support. LifeLock Advantage also includes fictitious identity monitoring, court records scanning, credit card activity alerts and an annual look at your credit score and credit report from TransUnion. LifeLock Ultimate Plus also adds bank account takeover alerts, credit inquiry alerts, annual credit reports and scores from all three credit bureaus, sex offender registry reports and monthly tracking of TransUnion's credit score.
As with all identity theft and credit monitoring services, users must first open an account and confirm their identity by providing their full name, address, date of birth and Social Security Number.
How Much Does It Cost?
LifeLock has different prices for each level of protection. The LifeLock Standard costs $9.99 a month. The LifeLock Advantage is $19.99 a month; and the LifeLock Ultimate Plus is $29.99 a month (taxes and terms apply).
How is LifeLock Better/Worse Than Other Credit Reporting Companies?
LifeLock includes a comprehensive identity theft protection program that claims to monitor over a trillion data points to help detect fraudulent behavior before it occurs.
As comprehensive as LifeLock's identity theft protection services claim to be, it doesn't include ongoing credit monitoring or scores. Credit reports and scores are only provided once a year, and unless you pay for the $30 a month plan, you only get access to TransUnion's credit data. The credit scores it does provide annually are not FICO scores and are therefore only useful for educational purposes; not to check the score lenders use to assess your creditworthiness.
* Service Guarantee benefits for State of New York members are provided under a Master Insurance Policy issued by State National Insurance Company. Benefits for all other members are provided under a Master Insurance Policy underwritten by United Specialty Insurance Company. Under the Service Guarantee LifeLock will spend up to $1 million to hire experts to help your recovery. Please see the policy for terms, conditions and exclusions at LifeLock.com/legal.