In case you’re wondering how this magic happens, here’s a rundown. This feature aims to alert you if a cyber criminal changes your address at your financial institution. Ultimately, it really is your responsibility to deal with everything. There is no power-of-attorney relationship between you and LifeLock. When I grilled the sales rep, it quickly became apparent that LifeLock cannot order replacement cards on your behalf. In fact, they really can’t do much more than advise you to cancel your credit cards and order new identification.ĭespite claims made by their sales department when I called to research this article, I found their lost wallet service to be mostly useless. However, upon further investigation, it’s not really protection at all. Lifelock offers what they call lost wallet protection. Likewise, what if LifeLock alerts you that your email address or date of birth was found in a dark web criminal database? There’s really not a lot that you will (or can) do with that information.Ī practical and free suggestion to minimize your vulnerability is to not use the same password on multiple websites… especially financial sites. Of course, this is something you should do even if your information wasn’t found on the dark web. You might be advised to apply a security freeze to your credit files. Upon further reflection, though, it might not be as actionable as you think.įor example, what would you do if your social security number is out there on the dark web? Would you change it? Probably not. This information might include your name, birthdate, social security number, website user IDs, and passwords.Īt face value, being notified if your information is found on dark web databases sounds great. It turns out there are huge underground networks where cyber criminals buy and sell stolen personal information. Dark Web SurveillanceĪn interesting, and more unique-sounding, feature is dark web surveillance. The single most important thing you can do to prevent this is to lock down your credit files with a Security Freeze. Rather than being notified AFTER a cyber crook used your credit report to obtain credit, Id prefer to block the request in the first place. This defeats the entire purpose of monitoring your credit. However, if you subscribe to the $10 or $20 a month plan - which only consults with one credit bureau - there is the risk of a fraudulent transaction slipping through. If someone (other than you) applies for a car loan in your name, a notification is certainly valuable. However, this is only on their most expensive $30/month plan! Like other credit monitoring services, LifeLock will alert you to credit inquiries from the 3 credit major bureaus. LifeLock boasts a number of services to its customers, all geared toward helping your identity and your credit. The review will also include my personal experience helping a 90 year-old relative deal with LifeLock after she lost her wallet. I want to break down LifeLocks main features and explain why they are important (and why some, you can live without). This includes reimbursement for stolen funds and coverage for personal expenses each with limits of up to $1 million dollars. If you become a victim of identity theft, LifeLock helps protect you with our Million Dollar Protection Package.Scan a trillion data points a day for threats.LifeLock offers identity theft protection services. The last thing you want to do is pay to feel safe only to find out your service has let you down. Even more importantly, you need to be aware of the fine print. However, like with most products, it’s important to know exactly what you’re buying. In a world where identity theft seems pandemic, spending $10, $20, or $30 a month might seem like good insurance against the nightmare that is identity theft. This content has not been provided by, reviewed, approved or endorsed by any advertiser, unless otherwise noted below. We may receive compensation from the providers of some products mentioned in this article.
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