Is LifeLock a Scam?
Are you sick and tired of being scammed out of your hard-earned money and want to make sure that you’re not signing up for something else that you don’t need?
Want To Be Certain That LifeLock Is Not a Scam?
It’s no surprise that people are skeptical of products and services online, especially when the category of product didn’t even exist a few years ago. Your great grandparents certainly didn’t have to worry about identity theft, but the fact is that with today’s technology it’s increasingly common for identities to be stolen, even if you have never purchased a product online.
Identity protection services sometimes overhype their own necessity in traditional marketing, using fear-mongering tactics and resorting to shady techniques to advertise their services. It’s wise to be skeptical whenever fear-based advertising is in place, and it’s definitely smart to research a service before investing your own money in it.
So, is LifeLock a Scam?
Reputation and trust is everything when it comes to online services. You may have heard LifeLock’s CEO Todd Davis freely giving away his social security number in commercials: 457-55-5462. Most people are terrified to give away their own social security number, but LifeLock’s own CEO has been freely giving his SSN away for years because of his confidence in his company’s product.
In fact, here’s a video from the Buncombe County, North Carolina Sheriff’s Office about their cooperation with LifeLock to help identify and train officers on the warning signs:
I can safely say that LifeLock is not a scam, but you may want more information about what they actually provide before you decide to purchase the service. You can actually do much of what LifeLock provides on your own for free, but let’s examine the services they provide more closely to see if they are worth $10/month…Click Here To Automatically Save 10% On LifeLock Service
LifeLock Credit and Identity Monitoring
LifeLock Command Center™ protection expands upon the benefits you receive with LifeLock to include monitoring of public records and court records. We also track known alternate names, in addition to the name you currently use. And we deliver all of this information monthly in an aggregate report that’s easy to review.
You can certainly look up public records on your own, although finding the resources isn’t always easy. You’re likely aware of most legal and credit actions that are happening to you, so this aspect of LifeLock’s service would only be beneficial when fraudulent or mistaken credit transactions occur. You would still find out about this yourself eventually, but LifeLock should make you notice it and take action faster.
Our proactive LifeLock Identity Alert™ System provides broader identity coverage, greater control, and early notification of both credit and non-credit related identity threats. Not only do we alert you to applications for many forms of retail credit cards, mortgage loans, tax refund anticipation loans, and auto loans, but also for other non-credit related transactions, including wireless services, utilities, and non-credit related payday loans.
You have the ability to set your own fraud alerts at any of the major credit bureaus (here’s Experian’s link to do so), however, this only applies to credit transactions. LifeLock’s service monitors all non-credit transactions as well, so this is actually quite a nice benefit that would be fairly difficult to do on your own.
LifeLock Lost Wallet Protection
Helps you quickly cancel or replace credit cards from a lost or stolen wallet to help stop fraudulent charges.
This task you can certainly manage on your own. It’s a good idea to keep a list of all of your credit card numbers and contact phone numbers someplace safe. If your cards are ever lost or stolen, you simply need to contact each bank and have the cards canceled and/or replaced. However, if you have a lot of cards, it might be nice to only have to call a single number and have them deal with everything for you.
Reduced Pre-Approved Credit Offers
Requests your name be removed from pre-approved credit card offer mailing lists. This reduces the possibility of someone rifling through your mail and stealing your personal information.
Well, this is another thing that you can easily tackle on your own. Go to OptOutPrescreen.com to manually opt-out of all pre-screened credit offers. Doing this may reduce some legitimate offers that you may be interested in, but it will certainly cut back on your junk mail.
Advanced Internet Monitoring
Patrols over 10,000 criminal Internet sites for the illegal selling or trading of your information. If activity is detected, LifeLock will alert you.
This one is quite tricky to do on your own. Many of these criminal sites are password-protected and use advanced techniques to trade and sell personal information. Having a service that monitors that seedy underground market can be useful. If it detects your personal information floating around, you have the opportunity to replace your credit and bank cards ahead of time so that you don’t have to deal with the hassle of replacing everything after your identity has been stolen.
LifeLock Total Service Guarantee
LifeLock backs up their service with a $1,000,000 guarantee that they will hire experts to help you recover anything lost due to a failure in their service (see their site for details and disclaimers). That’s a pretty strong vote of confidence in their product, and it’s not exactly something that you could do on your own.
LifeLock’s customer service has been evaluated and ranked very highly in terms of overall satisfaction. They are open 24/7, 365 days per year, and their phone staff is always available to help in an emergency situation.
Conclusion (and Promo Code!)
While you may be able to perform some of the tasks that LifeLock handles on your own, some benefits are much tougher to replicate, such as monitoring criminal websites. You might decide that LifeLock’s services are worth $10/month simply for peace of mind.
The bottom line is that LifeLock.com is not in any way a scam. It’s a legitimate company that provides an interesting service that appeals to many people. While it may not be for everyone, it might be for you.
If you’re interested, Click This Link for a 10% LifeLock.com Discount and 30 Day Risk-Free Trial. This 10% applies every year that you are subscribed to the service, not just for the first year. Alternatively, you can use the LifeLock.com promo code SHAREASALE on the order form (click here for LifeLock promo code instructions).
Take care, and stay safe!
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