 | Go Mobile Protection | Real insurance with industry's best coverage. | -- | Hundreds of Billions | $36 |  | Review Visit Site |
|---|---|---|---|---|---|---|---|
 | My Safe Credit | Covers your expenses | All: Triple Bureau Credit Reports, Scores, & Alerts | Hundreds of Billions | $200 |  | Review Visit Site |
 | LifeLock | Guarantee covers their expenses, not your losses. | -- | Hundreds of Billions | $99 | | Review Visit Site |
 | Identity Guard | Guarantee covers their expenses and some of your losses. | Some credit products included | Hundreds of Billions | $180 |  | Review Visit Site |
 | Trusted ID | Guarantee covers their expenses and some of your losses. | -- | Many Millions | $79 |  | Review Visit Site |
 | ID Watchdog | Guarantee covers their expenses, not your losses. | -- | Many Millions | $180 |  | Review Visit Site |
LifeLock
- Million Dollar
Protection: - Guarantee covers their expenses,
not your losses. - Fraud
Monitors: - Hundreds
of
Billions - Credit Alerts,
Reports & Scores: - --
- Price Per Year:
- $99
| Ratings | |
| Overall Rating | |
| Value I got |  |
| Recover Your Stolen Identity | |
| ID Theft Insurance | |
| Fraud Detection | |
| # Data Sources Monitored | |
| Remove Personal Info From the Web | |
| Credit Score | |
| Credit Alert & Monitor | |
| Credit Report | |
| Mail List Removal | |
LifeLock has emerged as a leader in identity theft protection. They have changed their model completely due to lawsuits by Experian and the FTC.
The first two things they’ll do for you are the free things you can do yourself:
- Opt-out of pre-approved offers which will reduce the amount of junk mail you get
- Order your free annual credit reports
That’s just the beginning.
They, along with a couple other top-rated products here, scan hundreds of billions of records for identity theft you don’t even know about. In some cases, this can pick up identity theft before it has even occurred!
No identity theft protection plan is complete unless it includes an internet scanning service that looks for your personal information being bought, sold or traded in chat rooms, forums and the internet’s ‘back alleys’. There is a huge black market of hackers and thieves making a living off stolen identities.
LifeLock has a patented service called eRecon™ that takes care of this scanning for you. eRecon™ scours known criminal websites for the illegal selling or trading of your personal information (including your Social Security number, credit card number, driver’s license and email address, if provided) and informs you when something is found.
Many times identity thieves will change your address as part of their plan to steal your identity. TrueAddress™ is a service that notifies you when it detects 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.
A lost or stolen wallet can easily turn into a nightmare. A thief now has access to your driver’s license, credit cards, health insurance card, social security card, checkbook and anything else you carry. LifeLock has a service called WalletLock™ to help you out.
If ever your wallet goes missing, just give them a call – anytime, anywhere – and a WalletLock specialist will help you contact each credit card, bank or document issuing company, cancel your affected 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.
The meat and bones behind the package is LifeLock’s one million dollar total service guarantee which they pioneered. As a LifeLock member, if you become a victim of identity theft because of a failure in their service, they’ll help fix it at their expense, up to $1,000,000. (Restrictions apply. See lifelock.com for details). LifeLock promises to do whatever it takes to recover your good name and will spend up to $1,000,000 on attorneys, accountants, case managers, investigators, or whatever professionals you need to accomplish this. Unlike other services where you hire these professionals yourself, do the leg work and the company “assists” you in cleaning up the mess, LifeLock is, once again, proactive and takes the steps necessary to help you recover.
Because no identity theft protection plan is ever 100% guaranteed, LifeLock has a $1million total service guarantee. If your Identity is stolen while you are a member of LifeLock, they’ll do whatever it takes to recover your good name. If you need lawyers, they’ll hire the best they can find. If you need investigators, accountants, case managers, whatever, they’re yours. If you lose money as a result of the theft, LifeLock will give it back to you.
Does this mean that if your identity is stolen you’ll get a million bucks? No.. it means LifeLock will do whatever it takes to help you recover your good name and will spend up to $1,000,000 to do it.
It’s this service guarantee that I think is the most valuable part of LifeLock’s protection. They will take care of the recovery for you. The FTC has estimated that id theft recovery can take up to 600 hours. And sometimes it can take years years. If you’ve ever had your identity stolen or know someone who has, you know what a black hole it is to fix it on your own.
No long term contracts are required and you can cancel at any time. If you prefer, you can enroll for a year for $99. If you decide to cancel at any time, you will get a refund of the unused amount.
Experian, one of the credit bureaus, has a lawsuit as well. They are basically wanting to stop LifeLock from placing fraud alerts for consumers at the credit bureaus. Read about that .