LifeLock Review

LifeLock offers a comprehensive package of services for identity theft protection. Unlike other companies who assist you in restoring your identity, leaving you to do the majority of the work, LifeLocks complete restoration program ensures that they do most of the work and you only have to assist them. Of course, with LifeLock the chances of becoming a victim are slim to none.

LifeLock Identity Theft Protection

Lifelock will place a fraud alert on your file, which will tell lenders checking your credit they need to contact you before taking any action and the credit report will list your phone number for them to call. There is nothing you need to do to set the fraud alerts in motion. LifeLock will take care of the entire process and make sure they are set correctly. You will also get a credit report from each of the three credit bureaus once a year free of charge so that you can check for and correct any mistakes in your information.

Since you could do both these for free, Life Lock has come under some criticism, mainly because they are the market leader as this is what other identity protection companies do as well, but with fraud alerts you have to renew them every 90 days as they expire. LifeLock saves you the time and hassle of dealing with the credit bureaus and ensures that your protection never falls out from a missed deadline.

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.

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).

Identity Theft Restoration

The LifeLock organization stands behind its product with a Total Service Guarantee. This is what gave LifeLock CEO Todd Davis the confidence to advertise his Social Security number. If, when you are subscribed to the service, your identity is compromised, Life Lock 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. LifeLocks service in this area sets it apart from other identity theft services who act more as advisors to you, leaving you with more tasks to do then you would with LifeLock behind you.

Additional Conveniences

With its Mailbox Relief service, LifeLock will contact the three credit bureaus and have your name and other personal information removed from their marketing lists. You will see a huge reduction in your junkmail and eventually an end to the 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. Life Lock will also connect you to the proper authorities if you were a victim of theft.

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.

There is also an information kit available if you’d like something to review on paper before you register for the service. Just go to https://secure.lifelock.com/requestinformation.aspx and download a pdf of the kit or use the form on that page to request to have one mailed to your home or office.

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 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 and you will continue to receive this 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 with our LifeLock discount. 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 over the last two years 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 already 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 childs future credit opportunities. Click here now to get started with LifeLock. You will automatically receive the discount.

TrustedID Review

TrustedID is the only fraud protection company with a service that rivals LifeLock. Their identity theft protection service offers complete protection from identity fraud and they too back their service with a $1 million guarantee and experts to help restore your good name in the event you do become a victim.

TrustedID is a great identity theft insurance plan for families. It’s the only service that offers a family plan covering everyone living in the same household. So those who take care of an elderly parent or have a large family will receive significant discounts.

Another thing that makes TrustedID stand out is the fact that it allows you the ability to “freeze” your credit at your discretion at all three bureaus. With the CreditLock service, you can place a “lock” on your credit files, denying both companies and individuals access to it. This means that even if you want to open a new account that you will have to contact TrustedID and “unlock” your credit files so a legitimate credit check can be done, such as when you are applying for a loan. This is a much easier task than contacting all three bureaus though it still takes a day or two to make your credit report available to creditors. There is an extra fee that varies by state for this additional service but it is great to know that if you are under attack you could simply call Trusted ID and take this extra precautionary step.

Trusted ID’s suite of products for consumers is entitled IDFreeze, which is not to be confused with the optional CreditLock service. The IDFreeze package contains several products that provide a comprehensive protection plan to prevent thieves from damaging your credit. Here are the details.

With a product entitled Lender DoubleCheck, the company adds a note on your credit report stating that all lenders are required to verify your identity, routinely done by calling you for verification, before opening accounts or making any other changes to your credit. This is more commonly known as a fraud alert.

TrustedID will also send you a free copy of your credit report from each of the three bureaus on a yearly basis, without you even having to request them. As Trusted ID monitors your credit card and bank account numbers in addition to your Social Security number you will get an email if any unusual activity is detected as soon as it occurs to help thwart any attempts to compromise your information, or if TrustedID finds your information online in a place where it shouldn’t be. There are many black market internet sites run by criminal organizations that routinely sell our private information and Trusted ID monitors them daily.

Fewer eyes should be passing across your credit file once you sign up for TrustedID. The company will remove your name and information from solicitors’ lists so third parties will not have access to your private credit information for marketing purposes thus cutting your junkmail and stopping those pre-approved credit card offers that thieves love to steal.

TrustedID offers a warranty of up to a million dollars if identity theft does occur while you’re a member. This money can be used to cover expenses you incur in recovering your good name, such as application fees for new credit, legal fees, and any missed work due to problems with your employment qualifications, etc. You will also gain access to company-provided services to help you restore your identity as quickly and efficiently as possible. It is great to know that if your identity was compromised you would have trained professionals on your side.

TrustedID has a 24-hour customer service line staffed by experts in the field. The company can be contacted anytime by toll-free phone number, 1.888.548.7878, for any questions and concerns about protecting your identity in general or regarding its specific products and services.

Trusted ID has two different billing arrangements: a monthly plan, starting with as little as three months, or a yearly plan. If you choose to be billed monthly, you will be charged $9 per month for individual protection or $17.99 per month for family coverage with our TrustedID discount.

If you instead go with the yearly plan, you will get substantial savings. The charges are reduced to $7.50 per month ($90 per year) for an individual and $14.24 per month ($170.99 per year) for a family.

These are the best prices available and include all of the services mentioned under IDFreeze except for CreditLock which you can employ if need be though that is very unlikely to be needed with the protection you are already offered with this company. In fact PC Magazine rated TrustedID number one for identity theft protection. They have also been recognized by the Identity Theft Resource Center a very well respected non-profit organization.

Visit TrustedID.com today via one of the links on this site to save 10% and get your first 30 days free. This is the best IDFreeze promotional code available.

Over nine million people have their identities stolen every year, according to a study by the Better Business Bureau and Javelin Strategy & Research. Do not let this grave inconvenience and potential financial hardship happen to your family. Protect yourself, and your household members, today.

Save 10% and Enjoy a 30 Day Risk Free Trial at TrustedID, exclusively from Credit Protection Pro

Identity Truth Review

Identity Truth offers great database monitoring and they keep a very close eye on your credit report. Instead of simply monitoring your credit, Identity Truth tracks your information and produces an Identity Health Score, which can give you a good idea of your likelihood of having your identity stolen. Then you can follow specific steps set out by Identity Truth in order to protect yourself. Their hook is to be proactive, not reactive.

Unlike some of the other companies, IdentityTruth does not just watch for changes in your credit activity. The company looks for out of the ordinary activity related to any of your personal information, including your Social Security number, address and phone number. Identity Truth will check the Web, with special attention to channels often used by identity thieves, to make sure your personal information is not being shared of sold.

Identity Truth will send you an email if it finds any suspect or fraudulent activity related to your personal information. This is meant to work to prevent identity theft by stopping it at its earliest stages. To this end, you are not only notified of definite fraud but of any would-be fraud that is discovered by tracking suspicious activity, and the company will let you know when any personal information is leaked from an organization that you do business with, even if it doesn’t make the local or national news.

If you tell Identity Truth that you have concerns regarding the state of your personal credit information, the company will show you how to have each of the three credit bureaus add a fraud alert to your credit file. With this alert in place, any company that gets a request to open a new account with your information will have to contact you or otherwise verify that it is really you who asked that the account be set up.

Identity Truth will also put a stop to all those credit card offers you get in the mail. The company will let the credit bureaus know that you don’t wish to have your information distributed on their marketing lists, and those pre-approved credit cards will quickly dry up. This will also help stop identity thieves since fewer individuals will be scanning and distributing your file.

The company offers a couple of important points that let you know that it stands by its service. The first is that it will work with you if you become the victim of identity theft while using the service – and even potentially if you are not yet using the service. Identity Truth will serve as the connection between you and the credit bureaus to fix your credit reports and accounts as quickly and easily as possible.

Additionally, the service includes insurance of up to two million dollars for any costs you incur while restoring your identity, including direct charges, such as fees from financial institutions, and more indirect expenses like wages lost due to time needed for court dates, etc. This insurance is backed by AIG Companies.

The company has a team of experts who can help you with any problems you may have in restoring your identity and is ready to answer questions about the service.

One of the special services that this company offers is called On Demand service. When you purchase this service, Identity Truth will analyze your Identity Health Score, search for and inform you of any fraudulent activity or potential fraudulent activity on your accounts or in regards to you personal information, let you know of any companies you do business with that have had their data compromised, notify you of any atypical activity on your credit accounts, and most importantly, give you advice on how to protect yourself before identity theft happens to you. This product has a one-time cost with no commitments and is a good way to try out the things that Identity Truth offers.

The complete Identity Truth monitoring service, known as the premium service, can be purchased in a three different packages. IdentityTruth offers a free month trial period then charges just $9.99 a month, or you can save some money by signing up for the entire year at $99.99 or three years at $229.99.

You can register for Identity Truth service right now by clicking here. Best to protect your information now before you need to than to have your credit and your life upended and have to contact Identity Truth then to help you pick up the pieces.

Debix Review

Debix offers a progressive identity protection service that is an excellent value. They protect you from identity theft by requiring all creditors to verify your identity by contacting you before opening credit in your name. They do this by placing a fraud alert on your file.

How the Debix service works is that it uses a service called Instant Authorization. With this service, a special phone number is placed in your credit file that lenders are told to call before they open new credit accounts with your information. They must legally verify your identity and they routinely do this by calling the number in your file. 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 so that you’ll know it is from a legitimate source. Then you will be asked to enter your personal identification number to authorize the transaction or to press the star key if you suspect it to be fraudulent.

Pressing the star key is all you will have to do to stop the thieves from opening the account. The transaction will automatically be rejected. You will then be given the option to talk to a licensed private investigator to further investigate the fraud. So not only will your credit be protected before any damage is done, but you have a leg up on catching the thief before he attempts the crime on someone else. It also gives you and the licensed investigator an opportunity to explore how your information got exposed.

In addition to this service, Debix offers a traditional identity theft insurance plan, featuring a $25,000 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, it only costs $24 a year. This includes both the Instant Authorization service and the identity theft insurance for that one low price. Debix also offers identity theft protection for children at the cost of $20 per child per year. Take advantage of this Debix promotion now before they raise their price on this incredible deal.

Debix has great customer service and associates are available Monday through Friday, 9 a.m. to 5 p.m. and Saturday and Sunday from 10 a.m. to 4 p.m. The company is based in Texas.

In all seriousness, it is important to have a service like Debix in this day and age. There were more data breaches in the first eight months of 2008 than there were in all of last year, meaning every day the odds are turning more towards the fact that your information will end up in the wrong hands. 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.

Protect yourself with Debix now.