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LifeLock Review

May 30, 2014

LifeLock offers an extensive package of services for identity theft protection and are seen by many as the pioneers of the industry. In fact, LifeLock Ultimate (their premium product) is the most comprehensive identity protection service available. We’ll get to Ultimate in a bit but first lets take a look at their regular service.

Identity Theft Restoration

One of our favorite parts about their service is that unlike other companies who assist you in restoring your identity, leaving you to do the majority of the work, LifeLock’s complete restoration program ensures that they do most of the work and you only have to assist them. Of course, the best part about being with LifeLock is that the chance of becoming an identity theft victim is slim.

The LifeLock organization stands behind its product with a Total Service Guarantee. This is what gave LifeLock CEO Todd Davis the confidence back in the day to advertise his Social Security number. If, when you are subscribed to the service, your identity is compromised, they will spend up to $1 million to work with you to recover any damages this identity theft has caused. These funds can be used for a good number of expenses, such as legal fees, private investigators, case managers and anything else that is needed to recoup your financial loss and restore your identity to its pre-theft status.

Its experts will also share with you their wide-ranging knowledge on how to proceed with the investigation so that you will know exactly what steps they are taking as well as what steps you should take to minimize your inconvenience and time commitment. LifeLock’s service in this area sets it apart from other identity theft services who act more as advisers to you, leaving you with more tasks to do then you would with LifeLock behind you.

LifeLock Identity Theft Protection

Lifelock will monitor your credit and identity with its Identity Alert System™ by scanning 1000’s of databases for potential identity theft situations. Their system detects when someone uses your personal information to apply for credit, credit cards, loans and utilities and more. By monitoring millions of data records, they keep a complete eye on your personal information and notifies you by email, regular mail and/or phone of any threatening activity.

With its eRecon monitoring service, LifeLock tracks the online databases well-known for their use by identity thieves to insure that your information is not present. Information placed on one of these sites is oftentimes being sold, traded or distributed illegally for fraudulent purposes.

With TrueAddress, LifeLock does a comprehensive search to make sure that no one changes your address without your knowledge. You will be notified of any address changes that are made as soon as they happen. This is an important service since a typical practice of identity thieves is to change the address on your accounts and then collect your statements without you knowing about it. Smart thieves only do this for a few days so you remain unaware.

Additional Conveniences

LifeLock will remove you from pre-approved credit card offers that identity thieves love to steal.

If you lose your purse or wallet, take advantage of LifeLock’s WalletLock. The company will help you get your credit cards and identification canceled and then replaced. This will reduce you frustration and save your valuable time. They will also connect you to the proper authorities if you were a victim of theft.

LifeLock Ultimate

With LifeLock Ultimate a ton of services are added that not only enhance their credit protection system but also protects their members from other types of identity theft. LifeLock Ultimate has a higher price tag, $247.50 with our discount, and includes all the features of LifeLocks original service but adds the following:

Advanced checking and savings account application alerts
LifeLock is able to detect account changes or even account openings in your name at over 350 banking institutions including all major and a vast majority of regional banks. You are alerted when contact information changes on existing credit cards, checking, and savings accounts.

Daily credit monitoring of all 3 credit bureau reports
They monitor daily and alert you quickly of suspicious changes to your credit files at any of the three major credit bureaus, Experian, Equifax or TransUnion.

TransUnion credit report and monthly credit score
Includes 24/7 online access to your annual credit report and monthly credit score.

Court Records Alerts and Reports

Lists court records that match your name and date of birth from county courts, Departments of Corrections (DOC), offices of Administration of Courts (AOC) and other legal agencies to help you verify that criminals aren’t using your name to commit crimes.

Alias Records Alerts and Reports

Lists alternate names associated with other pieces of your identity (Social Security number, driver’s license, etc.) found in public records.

Public Records Alerts and Reports

Lists postal addresses associated with your identity found in public records.

LifeLock Personal Breach Detection™ Services

Actively monitors unregulated internet and file-sharing networks for your identity information. If we find you are at risk, we’ll alert you by e-mail and help protect you against accidental personal information disclosures.

Payday Loan Alerts and Reports

Notifies you of any payday loan activity with your name, date of birth and Social Security number

Sex Offender Registry Alerts and Reports

Lists registered sex offender records for your zip code. It will also alert you if a sex offender is fraudulently using your address.

LIfeLock also offers identity theft protection for kids under age 16. Youth protection is available in conjunction with the purchase of an adult membership at a considerably lower price. (Only one adult membership per household is required. Then you can purchase plans for as many children as necessary).

LifeLock has customer service available 24/7. Just call them at 1-800-LifeLoc. All their employees including the call center is American based in Tempe, Arizona. If you wish to enroll by phone and receive your first 30 days free and a 10% discount for each year you remain a member simply tell them you want to use promotion code “Best Price”. That will guarantee you the best price offered to consumers for LifeLock.

LifeLock Promotion

Visit lifelock.com today via one of the links on this site or type www.lifelock.com into your browser and use the promotion code “Best Price” (without the quotes) when you register to save 10% and get your first 30 days free.

You’ll enjoy a full year of service, including the Total Service Guarantee, for just $99 a year for LifeLock or $247.50 for LifeLock Ultimate and best of all you will continue to receive this discounted rate every year. This is the best LifeLock Promotion code available for consumers. The rate for a child’s membership is just $22.50 per year. These discounted rates are good for the life of your membership.

Identity theft protection has never been more important, both for you and for your children. There are 8 to 10 million American identity theft victims each year. The Russian Mafia was found to have stolen 500,000 bank and credit card numbers a few years ago and the online virus they use has not been stopped. In what experts are calling a very sophisticated ring, bank and credit card details from in store purchases all over Europe were stolen. They had planted a small wireless device in the credit and debit card readers, made in China, that captured numbers, passwords, names and addresses and transmitted them to a server in Afghanistan.

The threat of identity theft is very real costing our economy $50 Billion a year and devastating the lives of far too many Americans. The time to protect yourself with LifeLock is right now, before you need the protection of the guarantee, before some low life criminal or organized criminal ring targets you and your hard earned money or your child’s future credit opportunities.

Click here now to get started with LifeLock. You will be taken to LifeLock.com, their secure site, where you will need to provide some information about you, necessary for them to protect your identity, and your credit card details to pay for the service. You first 30 days will be free and the discount will be automatically applied. Peace of mind is literally a few minutes away.

For those who don’t like giving their credit card over the internet or simply prefer to call you can reach out to well trained Americans 24/7 by dialing 1-800-LifeLoc, that’s 1-800-543-3562. Simply mention promotion code “Best Price” and they will discount the price 10% and give you the first 30 days free. They will then continue to give you this discount every year you remain a member. Call them now.

Debix Review

April 7, 2011

Debix offers a leading technology identity protection service. They protect you from identity theft by monitoring your credit accounts and notifying you of any changes. Though this seems like regular credit monitoring, Debix is much more than that. Debix sends secure Credit Alerts to you immediately by phone, not email. And unlike ordinary credit monitoring, there are no duplicate or insignificant alerts, just specific, actionable information needed to stop the damage. In other words, your only notified – when you need to be – and you can be immediately connected to an OnCall Investigator.

Lets explain that point a bit further. With normal credit monitoring you are emailed every little change even when they obviously have nothing to do with identity theft. After seeing so many of these emails come into your inbox you eventually just start ignoring them or even deleting them and when something important comes along you miss it. Not so with Debix Identity Protection as these insignificant changes are filtered.

How the Debix service works is that it uses a service called OnCall Credit Alerts. With this service, a special phone number is placed in your credit file at all three bureaus and if there are any changes to this file, Debix’s proprietary system calls you to let you know about that change. When they make the call, Debix will reroute it simultaneously to your cell phone, home phone and work phone. The call will begin with a recording of your voice, one you pre-record when you sign up, so that you’ll know the call is from a legitimate source. Then you will be asked to authorize the change by pressing 1 on your phone or you can press the star key if you suspect it to be fraudulent.

Pressing the star key is all you will have to do to be connected to a Debix OnCall Investigator. This licensed private investigator will further investigate the fraud. So not only will your credit be protected before any real damage is done, but you have a leg up on catching the thief before he attempts the crime on someone else or attempts to take advantage of your credit or finances again. It also gives you and the licensed investigator an opportunity to explore how your information got exposed so you can seal the leak.

So not only are you notified less often but when an identity theft attack occurs you are automatically connected to an investigator. Compare that to receiving an email that tells you a new account has been opened in your name and very little to no other details. You then have to figure out on your own what to do about it, and even when you find which company it was calling and telling them you didn’t open the account doesn’t typically get solved easily… certainly not like it would with Debix and a licensed investigator on your side.

In addition to this service, Debix offers a traditional identity theft insurance plan, featuring a $1,000,000 identity insurance policy provided by AIG. This protects anyone who is on the Debix plan that becomes victimized by identity thieves. This service provides you with access to experts in identity theft recovery 24 hours a day as well as an Identity Theft Recovery Kit. This kit is a package that you will receive in the mail that has everything you need to know to get your identity restored to its former glory as efficiently as possible, from contact information for the authorities to samples of letters to send to your credit card company. You are not left alone though, you can contact a Debix identity theft specialist to help you with any of your concerns.

The insurance product also provides relief from the expenses associated with being a victim of identity theft. Not just the money that was spent fraudulently, but the legal costs, lost wages, notary expenses, application fees, etc. Debix understands what a hassle the process can be, and how frustrating it can be so they are their for you every step of the way to ease your pain and reduce your anxiety.

Speaking of costs, as far as identity theft coverage goes, Debix is very inexpensive. For an individual plan, the cost is $14.95 a month.  This includes both the OnCall Credit Alerts and the identity theft insurance for that one low price. Debix also offers identity theft protection for children at the cost of $4.95 per month per child. Take advantage of this Debix promotion now.

Debix has great customer service and associates are available Monday through Friday, 8 a.m. to 8 p.m. CST. The company is based in Texas and is well respected by privacy and identity theft experts even receiving an endorsement from the Identity Theft Resource Center, a non-profit organization.

In all seriousness, it is important to have a service like Debix in this day and age. Data breaches exposed the personal information of 100′s of millions of Americans in the last few years, meaning every day the odds are turning more towards the fact that your information will end up in the wrong hands. Ask the 10 million identity theft victims each year. In fact, identity theft has become the fastest growing crime in the United States.

Though you can’t always prevent identity thieves from accessing your personal information, with Debix you can at least stop them before they do anything to harm you financially and emotionally.

In summary, here are the main Debix advantages:
You receive actionable OnCall Credit Alerts immediately by phone and no “insignificant changes”.
Live Debix OnCall Investigators assist you if an attack occurs and help file cases with law enforcement.
Comprehensive identity restoration services and $1,000,000 in identity theft insurance coverage if necessary.

Protect yourself with Debix today!.

NOTE:Debix has changed their name to All Clear ID – the service has remained the same

Guard Dog ID Review

September 7, 2010

Overview
Guard Dog ID offers a package of nine different services designed to help you combat identity theft. The focus of the plan is on taking a proactive and aggressive stance where your personal information is concerned. With this plan, the hope is that thieves will be deterred from victimizing members and that any breaches will be dealt with quickly before too much damage can be done.

In April 2011, Guard Dog ID was purchased by CSIdentity and it is unclear if the following services will be offered by the new owners.

Please see our other reviews or view our credit monitoring comparison chart or credit protection comparison chart.

Nine Basic Services
People who sign up for the basic Guard Dog Id Plan receive the following services:

*Insurance – Up to $1 million in insurance, with no deductible, can be used if a person under the coverage of the plan loses wages, incurs covered expenses or has funds transferred illegally as a result of identity theft. This insurance is offered by Personal Identity Coverage. Each victim will also receive a written guide and have the assistance of trained customer service specialists.

*Identity Restoration – Another service for people who are victimized while under the coverage of the plan, this one takes a lot of the hard work out of restoring an identity. Guard Dog ID representatives will consult with the victim about exactly what happened and what information was compromised and then contact the proper parties, including the credit bureaus, creditors, financial institutions and law enforcement to sort out the situation.

*Net Deflect –The service checks for each covered member’s personal information on illegal websites, bulletin boards and chat rooms where identity thieves routinely sell our personally identifiable information. If any information is found, it generates a report of what was found and where it was discovered.

*WalletGuard – If a covered member loses his or her wallet, this service will provide a free consultation on what needs to be done to prevent the person from being victimized by an identity thief. A representative can cancel credit cards, place fraud alerts and increase credit monitoring as needed.

*Court Records – Since sometimes identity thieves will use others’ identities when they commit crimes, this service will check for criminal actions which are recorded using each members’ name or other identifying information. Reports are generated monthly.

*Names & Aliases – Because thieves sometimes use some of a person’s personal information but not all of it, this service provides a search to see if a person’s Social Security number or drivers license number is associated with a name or address that is not correct. This can help a victim discover if someone is using his or her information under an alias.

*PervertAlert – Since convicted sex offenders sometimes commit crimes using stolen identities, Guard Dog Id provides this service to let people know of sex offenders in their local area and helps to track whether or not they are using members’ information.

*SSIndicator – To insure that others aren’t using members’ Social Security numbers, this service tracks them to see if the address associated with them changes. Each month members will be notified if the system sees what it thinks may be an unauthorized address change.

*SureAddress – It’s not too uncommon for thieves to change the address of one of his or her victims using the U.S. Post Office. This service lets members know of any move requests submitted using their addresses. They will also be notified of what information was included on such a request.

Guard Dog ID Premium and Superior Plans
People who want even greater peace of mind can sign up for a more extensive plan. Both the Premium and Superior Plans provide the following:

*Credit Reports and Scores – Each member can check his or her credit report securely over the Internet. Premium members will get a report from Experian only, and Superior members will get a report from all three bureaus. Members can order reports whenever they like.

*Credit Monitoring – This service allows members to see new activity on their credit reports as soon as it occurs. They will be notified by email so they can see exactly what activity is occurring. Like with reports and scores, Premium members will get Experian monitoring only and Superior members receive daily 3 bureau credit monitoring.

*PayDay Loan – Members will be notified if anyone tries to take out a payday loan using their information.

Customer Service
Customer support is available by calling 1-866-422-7058. You can also submit an online inquiry through the service’s website. Guard Dog’s staff is American based in Florida.

Pricing
It is unclear if CSIdentity will continue offering this service

ID Watchdog Review

September 1, 2010

When you’re shopping for identity theft protection services, you probably want to make sure you have all your bases covered. ID Watchdog’s service tries to do just that with its four step process, which allows it to evaluate, monitor, detect and resolve. It touts itself as being about more than just credit, as in it looks at far more than just your credit reports and helps protect you from many types of identity theft.

Evaluating
The first step of the plan, which you can order on its own if you like, is to use idCHECK to determine how at risk you really are. To do so, you complete a questionnaire known as the Personal Risk Assessment. It has questions regarding your financial and online activities. Next, the service scans databases to look for instances where your Social Security number appears and checks them against your name and address. This results in your Identity Profile Report. Lastly, the service compares your report to the reports of others to determine your personal risk of becoming a victim and also gives you tips on how to reduce the likelihood of its occurrence. All of this takes less than 10 minutes.

Monitoring
Using your Identity Profile Report as a benchmark, ID Watchdog will then check the databases again, using a regular schedule, to ensure there are no unauthorized changes. If anything out of the ordinary is detected you will be notified as soon as possible. You can either note that the changes are made by you and authorized or mark them as unauthorized and turn to ID Watchdog for further assistance.

Detecting
Further assistance can include an ID SnapShot, which involves ID Watchdog searching databases for information regarding your identity and generating a report. It will check for your information on your credit reports, your driving record, your vehicle registration records, criminal and warrants records, sex offender registries and terror watch lists. It will also check for legal or financial issues that may have been created due to you being victimized by identity thieves. You’ll receive an itemized report and be able to have a phone consultation to discuss potential problems. You can purchase this service on its own if you wish by calling the customer service number.

Resolving
If you’ve been victimized by an identity thief, ID Watchdog can help you get your life back using a program it calls ID Rehab. Representatives can help you complete the steps needed to restore your identity by speaking with agencies that will need to make changes to your records so that you don’t have to. This service is free if the theft occurs while you’re enrolled in the ID Watchdog program. Otherwise, you can purchase it for an additional fee. This service is guaranteed. In fact, that’s what we love about ID Watchdog, they have the most straight forward guarantee in the industry. They will do whatever it takes to restore your identity, it’s their 100% resolution guarantee.

Pricing
Id Watchdog Platinum, which is the signature package and contains all of the above services is $19.95 per month.

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