LifeLock Credit Monitoring Review
LifeLock has been around since 2005 and has been rated as Consumer Reports best credit monitoring providers. Lifelock takes identity theft protection seriously and brings in advisors from a wide variety of sources that to help them continuously refine and improve their protection services. With companies like VeriSign and American Express, U.S. government agencies like the Secret Service, and security experts like Kevin Mitnik, Lifelock is working tirelessly so that you can have peace of mind. Let’s take a closer look at what they offer.
What Does LifeLock Offer?
LifeLock breaks down what they offer individuals into three categories: a Standard Plan, an Advantage plan, and an Ultimate Plus plan.
The Lifelock online dashboard gives you a clear overview of your alerts and credit file details.
Lifelock Standard Plan -Enrolling in the Standard Plan gives you access to an online dashboard that lets you see what is going on with one click convenience. Your identity is monitored for potential threats in credit and non-credit arenas and for public exposure that may not have been authorized by you. You also get comprehensive recovery services if your identity is stolen while covered by LifeLock, as well as remediation services if wallet or purse is stolen. The basic plan normally costs $9.99/month but if you sign up here, you can get service for only $8.99/mo or $98.90/year+ 30 Days Free.
Lifelock Advantage Plan – The Advantage Plan expands on the Standard Plan by offering more specific services, such as:
- Payday Loan monitoring
- Public Record monitoring
- Criminal website monitoring for use of your ID (known criminal websites)
- Around the clock access to your credit reports and your TransUnion credit score
- An enhanced online dashboard
- Monitoring of your bank accounts for information changes
- Daily monitoring of all of your credit information
The Advantage plan normally costs $19.99/month, but you can sign up here and pay $17.99/month or $197.90 annually + 30 Days Free
Lifelock Ultimate Plus Plan – Lifelock Ultimate Plus is a considerable upgrade from the basic service. The most important benefit of Ultimate over the Standard Plan is the daily monitoring of your credit information. This will cause an immediate alert to be triggered if any suspicious happens in your credit file.
The Lifelock Ultimate Plan is normally $29.99/mo but with our Lifelock promo code “9” you can get it for only $26.99/mo with the first 30 days for FREE. If you want to save even more you can prepay the entire year for only $296.90 (a savings of $36.00 over the monthly option).
Lifelock Credit Score Management Service – The Credit Score Management Plan is an add-on service for those who choose the basic plan and want more defenses for their identity, but not at the level of the Ultimate Plan. You get daily credit monitoring, a monthly update of your TransUnion credit score, alerts to changes in your credit score, and annual credit reports from the three major credit bureaus.
LifeLock also offers a supplemental plan called LifeLock Junior, available with any adult membership, to protect your child’s social security number.
LifeLock will send you an e-mail, phone call, or text to let you know that there is the potential of having your identity stolen. There is also a risk factor chart that is on your online dashboard that shows you what your current risks of identity theft are. If given a high level of identity theft risk, you are notified online as well as through your chosen contact method so that you can get into contact with a LifeLock agent to assist you.
In addition, if you lose your wallet or purse in either LifeLock member plan, you can contact LifeLock, who will, in turn, contact your financial institutions and complete any necessary paperwork on your behalf.
The LifeLock Service Guarantee
LifeLock believes in 5 points of total identity protection, with one of the most important being the recovery service guarantee that is offered. Not only does LifeLock give you access to a dedicated remediation specialist should your identity be compromised, but you’ll have access to LifeLock’s $1 million guarantee.
$1 Million Guarantee
LifeLock’s has an attractive guarantee in that it will spend up to $1,000,000 to restore a client’s good name in the event this person becomes a victim of identity theft while under the company’s watch. Of course there are limitations on this million dollar service guarantee however it is an aggressive commitment to the client and can prove to be quite a lifesaver considering the expense involved in hiring professionals such as attorneys and investigators to undo the damage of this crime.
Unlike other agencies who offer a similar guarantee, everything with LifeLock is “in house” and just one phone call away. You don’t have to attempt to find professionals remediation specialists on your own time.
How Easy is LifeLock to Use?
Enrolling in a LifeLock plan is quick, easy, and will only take you 3 minutes to complete the setup. With the online dashboard, you can quickly take in where you currently stand with your identity, as well as access the information that you wish to access with just a click. With around the clock agents available to serve you should you have any questions, LifeLock has a simple and straightforward identity protection service.
Around the Clock Support
LifeLock is the most widely used identity theft protection service provider. You have access to a live customer service agent no matter what time of day it happens to be. Your unique situation will be analyzed so that you get the most comprehensive level of services that will protect your identity effectively. You also get unlimited access to your online dashboard, which shows your current threat level, your credit score, and much, much more.
Pricing & Value
LifeLock provides their services bundled into three distinct packages that can fit anyone’s budget.
Is Lifelock Worth It?
LifeLock does have one of the more expensive sets of comprehensive services when it comes to professional identity theft protection. They made a big splash by advertising the Social Security number of their President as proof of how good their services are, but they back up what they advertise with their five points of protection. Lifelock offers a great service at a fair price. We recommend you try the Advantage plan free for 30 days and see for yourself.
Providers like PrivacyGuard and MyScore.com also offer identity /credit monitoring services, but don’t offer as many features as Identity Guard and LifeLock.
If you use this link, you can get 30 days of free credit monitoring with LifeLock & save 10% off your subscription.
*please note, if you sign up for a LifeLock plan using any of the links on this page, SIF receives compensation from LifeLock which helps us keep this site as a free resource for consumers.