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Yet Another Lifelock Review -- This One's Different.

Apr 15, 2008
Do you know what your highest security concern should be?

Being mugged? Getting sued?

Did you know you are more likely to suffer from identity theft than from these other things?

This is the reason:

There are people all over the world working outside of the official economy. These are not team players. They are free riding parasites, sucking their living out of honest folks. Now some of these people are driven to do what they do out of desperation, but that's not our concern here.

If you are ever a victim of identity theft, it's a nightmare. Creditors call you out of the blue for things you know nothing about -- and they're mad at you, because YOU owe them money. And that's just the start of it.

It's not fun. Many people every year are driven into bankruptcy because of things other people do in their name.

Be careful though. One scam can bring on other scams.

There are many identity protection services arising every day. Lifelock is one. And there are others.

We'll focus on Lifelock, since it is the market leader. Is Lifelock for real? Are any of them? Do they actually protect your identity?

My initial thought was that Lifelock was something of a scam. Here's how it might work. I get everybody scared about something that doesn't really affect that many people. I get some clever lawyers to draft language that says that we pay very little if something does happen, and then I tell you we're going to take steps to "protect" you, even though we're just taking your money and sitting back knowing nothing will probably happen, and if it does, we're not going to pay out very much.

My skepticism was shown to be misleading in this case. Lifelock actually does a lot for you. Here's a rundown of some of the highlights:

First, Lifelock does something for you every 90 days. They put a fraud allert on your account. This makes the credit bureaus check to see if there's any fraudulent activity being done in your name.

Second, every year LifeLock makes sure you get a complete credit report.

Third, they have a $1,000,000 guarantee. If you suffer losses due to identity abuse, they will help you recover financially.

Fourth, Lifelock removes one of the hackers' top tricks by getting your name off of the lists of credit card companies sending you pre-approved offers.

Fifth, if you do get into any legal troubles because of anything done by someone else in your name, Livelock will allocate attorneys to help you.

In the end I find myself recommending Lifelock and other identity protection systems. They should help you rest easy knowing that they will prevent much identity theft, and be there for you in case something does happen.

I can conclude that Lifelock, and most of the other providors, are a part of the solution, and not just another part of the problem.
About the Author
Jed Jensen has provided this Lifelock review. Jed is quickly becoming one of the world's top security experts.
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