Anyone here use LifeLock?

[Forest]

With all this concern over hacked affiliate databases with affiliate SS#'s and such lifelock is a cheap and easy way to protect yourself from fraud

No one can get credit in my name without first me getting a phone call from the company issuing credit and getting my approval

and its only 10 bucks a month.

some nice little added protection for my credit in this day and age

http://www.lifelock.com

[seeric]

yep me.

and it fucking rocks. its a extra level of security between your credit/credit value and thieves.

they deliver what they say they do. i had someone just trying to query my report and they called me to see if they were allowed to do it.

[Forest]

Originally Posted by A1R3K

yep me.

and it fucking rocks. its a extra level of security between your credit/credit value and thieves.

they deliver what they say they do. i had someone just trying to query my report and they called me to see if they were allowed to do it.

yeah i added it last month

between that and me getting e-mails from truecredit anytime someone tries to access my credit makes me sleep better at night

with this shit with affiliate info possibly being hacked im glad i have it

[seeric]

i changed all my passwords that matched any of the ones in programs with nats.

in this day and age you have to be proactive in protecting and defending against identity theft. i've seen some of those sites that traffick in personal data. when they did that dateline special i froze the screen and zoomed in on the urls that they were looking at. that shit is nutty.

[pocketkangaroo]

It's a good service but you can do all of the stuff they do in little to no time. The one service I like is that WalletLock. I think that is worth it alone, but the other stuff isn't.

[seeric]

Originally Posted by pocketkangaroo

It's a good service but you can do all of the stuff they do in little to no time. The one service I like is that WalletLock. I think that is worth it alone, but the other stuff isn't.

yah they upgraded me to wallet lock for free this week as a christmas gift.

[DBS.US]

Yep,,,,my S/S is 453-78-2344

[potter]

You're all getting conned. You're paying them $10 a month to call a credit bureaus every three months and flag your account. suckers..

http://www.phoenixnewtimes.com/2007-...ened-in-vegas/

[mn]

damn $10 is a lot for such a simple service. i bet that company makes BIG $$$$$$$$$$

[Fap]

i was kind of conviced with the whole:
My name is Todd Davis
My social security number is 457-55-5462

[Forest]

I bought a new hdtv last week at sears and went to open a charge account with them

they ran my credit and their account dept got on the phone with me and asked me like 7 questions about my current and past credit (all multiple choice) that only I would know. Would be VERY hard for someone to get thru that and get credit on my SS#

Good service. Im happy with it

[Spudstr]

I use it, works very well. whats 100/year for someone to keep tabs and do the job for you. Sure you can do it yourself but do you want to sit on the phone and do it every 3 months and remember to do it every 3 months?

[potter]

Originally Posted by Forest

they ran my credit and their account dept got on the phone with me and asked me like 7 questions about my current and past credit (all multiple choice) that only I would know.

That's because you have a flag on your account. You could do that yourself for free in thirty seconds by calling one of the three credit bureaus.

[potter]

http://www.phoenixnewtimes.com/2007-...ened-in-vegas/

n April 2005, local entrepreneur Robert J. Maynard Jr. was beyond broke.

At 43, with an ex-wife and two kids, he told the government in his bankruptcy filing that he had $20 in his pocket and $15 in the bank. He was hundreds of thousands of dollars in debt.

Maynard, a Valley native and former Marine, had seen some success in the late 1990s as the founder of Internet America, an early Internet service provider. He had owned a nice home in Ahwatukee with expensive cars in the driveway. He had bragged he would retire at age 35. Those days were gone.

Still, Maynard was optimistic. He'd been through this before. He's the type who jumps back up after a fall ? one of those edgy entrepreneurs who always seem to be on the verge of great success or great failure.

His first personal bankruptcy was in 1990, and he had filed again in 1994 for one of his failed companies.

But even as his finances sunk to new depths, his next big business venture was taking off. Drawing on his experience in credit repair and with the Internet, Maynard dreamed up a service that would protect people against the dreaded crime of identity theft.

Lifelock, as his new company would come to be called, began offering services to the public the same month in 2005 that Maynard filed still another bankruptcy.

LifeLock's primary service is nothing you can't do yourself. If you think someone has stolen your identity, you can call one of the three major credit bureaus, TransUnion, Experian or Equifax, and place an electronic red flag, called a fraud alert, on your account.

Here's how it works: The credit bureaus make money by selling information about you that helps lenders determine whether you're going to cheat them out of money if they give you a loan. Now, imagine a scraggly meth head trying to open a line of credit in your name at Circuit City to buy an HDTV because he stole your boss' laptop, which had all your personal data in it. When Circuit City calls one of the credit bureaus to check you out, there's a fraud alert on your account. Circuit City is supposed to use the contact information on the credit bureau's account to notify the account holder of the impending purchase. If everything goes according to plan, the meth head goes home empty-handed.

The catch: Every 90 days the credit bureau erases fraud alerts on the account. That's because fraud alerts are a headache to lenders like Circuit City ? commerce would move like molasses if every account was red-flagged.

Customers pay LifeLock $10 a month to call a credit bureau every three months and put a fraud alert on an account. By law, if one bureau is notified, it must alert the other two. LifeLock also offers insurance. If a customer becomes a victim despite the service, LifeLock says it will pay losses (if the claim holds up to scrutiny) of up to $1 million. The company says that has happened only three times, and the costs were far less than the million-dollar limit.

LifeLock was an immediate hit. The news media scrambled to meet Maynard and his business partner, Todd Davis, pimping them like crime-fighting superheroes.

Maynard claimed he got the idea for LifeLock after spending a week in jail in 2003. The pair have told his story ever since as a frightening example of what can happen to victims of identity theft. The details vary slightly in articles and television news reports, but the story goes something like this:

A few years ago, Maynard answered a knock on his door in Phoenix one morning to find five deputies holding a warrant for his arrest. They accused him of failing to pay back a $16,000 casino loan to the Mirage in Las Vegas and, despite his protests, hauled him off to the Maricopa County Jail. Maynard had not even been in Vegas when the casino made its loan. One of the guys who stole Maynard's identity and the casino's money is now doing time for murder. Maynard was released after seven days, but he spent more than $20,000 and countless hours on the telephone trying to clear his name. While sitting in his jail cell, he came up with the plan for LifeLock so other people could avoid being victimized by identity thieves.

It's a story that stokes the public's worst fears of identity theft, a crime that induces a state of near-paranoia in many of us. Though not a crime of violence, victims are left feeling violated, even when financial losses are small. Nationwide, the problem is immense, costing at least $50 billion a year and forcing consumers, businesses, and governments to become more savvy in trying to prevent it.

Horror stories like Maynard's are staples in almost any discussion about identity theft. Clearly, such stories may influence people to take counter-measures ? signing up with LifeLock, for instance. No wonder that Maynard and Davis, LifeLock's chief operating officer, seem to relish repeating how Maynard became a victim.

Maynard's life was soon looking up again ? big time.

Today, he's one of the heads of a multimillion-dollar company based in Tempe that employs dozens of people. The company claims to have more than 150,000 customers, which is a lot of people paying $10 a month. Last month, a trio of investors, including the local Biltmore Ventures group, gave LifeLock an additional $6 million in seed funding. LifeLock advertises heavily on the Internet and radio; its ads can be heard on the Howard Stern, Paul Harvey and Rush Limbaugh shows.

Against a backdrop of unrelenting hype over identity theft, credulous news reporters gulped Maynard's story down like cold beer. But a simple Google search reveals Maynard's credibility in the business community was long ago shot.

His credit-repair company was shut down by authorities in the early 1990s for false advertising and deceptive practices. Forced closure means that a federal court order has banned Maynard from working in the credit-repair industry ? forever.

since no one seemed to click the link. and that's just page one.

[rowan]

So let me get this straight, you pay them $120 a year to make 4 calls to flag your account at an unrelated company, whose workload increases because they now have to call you every time your credit is queried?

[DBS.US]

http://www.ftc.gov/bcp/conline/pubs/...eereports.shtm

[potter]

Originally Posted by DBS.US

http://www.ftc.gov/bcp/conline/pubs/...eereports.shtm

Good link

[CheneyRumsfeld]

get on the right IRC channel and you will see just how badly bullshitted you dorks really are!

send me $10 and I will make sure no asteroids ever fall on your house. you will always have good luck and never ever have the heartbreak of dandruff!
Do it NOW!

[DBS.US]

Your package price is $110.00 per year and every year thereafter.

1. Description of our Service ("Service"):

A. For individuals sixteen (16) years of age or older, we will, upon enrollment:

(i) request that Equifax, Experian and TransUnion, or other credit bureau as may become appropriate, place fraud alerts on your consumer reports to the extent permitted by 15 U.S.C. § 1681c-1. Your fraud alert will include up to two telephone numbers provided by you. While you are our client, we will attempt to renew these alerts as often as required to keep them active until such time that you notify us that you no longer have a good faith suspicion that you have been or are about to become a victim of fraud or related crime, including identity theft;

(ii) request, to the extent permitted by 15 U.S.C. § 1681b(e), that your name be removed from pre-approved credit card mailing lists;

(iii) request that your name be removed from junk-mail lists by using the opt-out options established by the Direct Marketing Association;

(iv) order, upon enrollment and once a year thereafter, your free annual credit reports from TransUnion, Experian, and Equifax, or other credit bureau as may become appropriate, as permitted by 15 U.S.C. § 1681j(a).

B. For individuals fifteen (15) years of age or younger, we will, upon enrollment:

(i) request that Equifax, Experian and TransUnion, or other credit bureau as may become appropriate, place fraud alerts on their consumer reports to the extent permitted by 15 U.S.C. § 1681c-1. If a consumer report is found to match, we will attempt to renew these alerts as often as required, while you subscribe for this particular service, to keep them active until such time that you, or the particular individual, notify us that there is no longer a good faith suspicion that the individual has been or is about to become a victim of fraud or related crime, including identity theft. If a consumer report is not found to match for the individual, LifeLock will confirm every one hundred, eighty (180) days that no matching consumer report has been created;

(ii) order, upon enrollment and once a year thereafter, the individual?s annual free credit reports from TransUnion, Experian, and Equifax, or other credit bureau as may become appropriate, as permitted by 15 U.S.C. § 1681j(a), to the extent that they exist and to the extent that the information provided to us matches such a report;

(iii) annually prepare a request to the Social Security Administration for a copy of the individual?s Social Security Earnings Report. This request will be forwarded to the individual?s parent or guardian who will then be responsible for its submission to the Social Security Administration.

C. In addition, individuals under eighteen (18) years of age must have our Service administered by a parent or legal guardian.