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+--- Thread: Lifelock.com? (/showthread.php?tid=6770)
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- mrbaggio - 03-13-2008
Zoinks. I missed the cost involved. Scratch my comment.
- WRXtranceformed - 03-14-2008
Yeah, I mean Lifelock is basically less than $10 / month and you get all of those other benefits. They don't try to fool you into thinking the majority of what they do you can't do yourself for free, check out their the website. I'm ok with paying a little every month to have someone do the things that I am guaranteed to forget to do. Getting your credit fucked is a really terrible thing too, especially if its not your fault.
- WRXtranceformed - 03-14-2008
Oh I just noticed they have a WalletLock service that helps you cancel all of your stuff (which is easy enough for anyone to do) but also helps you get back important stuff like traveler's checks, SS cards etc which are a little more of a pain in the dick to get duplicate copies.
- Apoc - 03-14-2008
Do people still use travelers checks?
- WRXtranceformed - 03-14-2008
I never have ha, I don't travel out of the country much though.
- Ginger - 03-14-2008
WRXtranceformed Wrote:Oh I just noticed they have a WalletLock service that helps you cancel all of your stuff (which is easy enough for anyone to do) but also helps you get back important stuff like traveler's checks, SS cards etc which are a little more of a pain in the dick to get duplicate copies.
Now that's pretty awesome. Does it cost extra? Anybody that's ever lost, or even nearly lost, knows the tremendous amount of time it takes to contact everybody and get replacements.
- ScottyB - 03-14-2008
asteele2 Wrote:Anybody that's ever lost, or even nearly lost, knows the tremendous amount of time it takes to contact everybody and get replacements.
yep...i've had my wallet jacked and wow it is a hassle....pretty much all i did for the next 24 hours is track stuff down, tear your files apart looking for info, sit on the phone forever getting stuff squared away.
- mrbaggio - 03-14-2008
I only have 3 credit/bank cards at any one time. I will take care of those three calls on my own.
- WRXtranceformed - 03-14-2008
asteele2 Wrote:Now that's pretty awesome. Does it cost extra? Anybody that's ever lost, or even nearly lost, knows the tremendous amount of time it takes to contact everybody and get replacements.
Yeah it's an included part of the service. I'll cut and paste the email I got after signing up that shows all of their included services.
Dear Lee Semmes,
Your $1,000,000 LifeLock service guarantee is now in force, and has been since the moment of your enrollment. Welcome to LifeLock and congratulations on taking an important step in proactively protecting your identity. You are now protected, but please continue reading to learn what you can expect from LifeLock and how to get the most out of your LifeLock membership. Also, if you havenÔÇÖt already, review our Terms and Conditions Agreement at <!-- m --><a class="postlink" href="http://www.lifelock.com/about-us/about-lifelock/terms-of-use.aspx">http://www.lifelock.com/about-us/about- ... f-use.aspx</a><!-- m -->.
WHAT YOU CAN EXPECT:
1) We will request Fraud Alerts with the three major credit reporting agencies.
Within the next two months you should receive letters from the three major credit bureaus (Equifax, Experian and TransUnion) explaining that they have each placed a 90-day fraud alert on your credit report in their databases. This tells creditors you want them to contact you and verify your identity before issuing new cards, increasing your credit limit or issuing new lines of credit (including new loans, credit cards, cell phones, etc.). You will receive these letters every 90 days as LifeLock continues to maintain your service.
How to get the most out of your membership: If you do not receive all of these letters within this timeframe, please let us know and we will immediately investigate the delay.
2) You will receive credit reports from each of the credit reporting agencies.
Within the next two months you should receive credit reports from each of the three major credit bureaus. These credit reports will show the fraud alerts we've placed. You should continue to receive credit reports on an annual basis from the credit bureaus.
How to get the most out of your membership: Look carefully at your credit reports and verify that the phone numbers listed for you in the fraud alert section of each report are correct. If they are not, please notify us and we will initiate an update to your credit file on your behalf.
3) You should see a reduction in junk mail and pre-approved credit offers.
We will request that you be removed from these mailing lists. Over time you will notice a dramatic decrease in the amount of junk mail and pre-approved credit card offers you receive in the mail.
How to get the most out of your membership: If, after three months, you continue to receive unsolicited pre-approved credit card offers and/or junk mail in quantities similar to those prior to your membership, please contact us so we can investigate on your behalf.
4) When applying for credit, you should receive a phone call from the lender asking you to confirm your identity.
LifeLock will not affect your credit score. When you apply for credit, the creditor is advised to contact you via telephone (usually using the phone number provided to us during your enrollment) or to take reasonable steps to verify your identity before making any decision with respect to your credit. This should ensure that you are personally notified before any credit or credit-related transaction is approved. If you do not receive a call, it does NOT mean that you are not covered by our $1million service guarantee. You ARE protected regardless of whether or not the lending agency chooses to call you.
How to get the most out of your membership: When applying for credit, most lending agencies will contact you very soon after submitting your application. On rare occasions, especially when you are applying for "instant" credit, the creditor's computer may respond to the fraud alert by sending a message that your credit has been declined or that your application has been placed in a pending status. If this happens, pick up the phone and call us. We'll get the creditor on the phone with you and help resolve any confusion about your identity. We make no attempt to influence the bank's decision to approve you, we only make sure that they know it is you who is applying.
5) If your wallet is ever stolen or lost, call us.
At LifeLock, we understand how overwhelming it can feel to have your identity compromised. As a member of LifeLock, if your wallet is stolen or lost, just call us - anytime, anywhere - and a WalletLock representatives will help you contact each credit card, bank or document issuing company, cancel your affected accounts and complete the paperwork and steps necessary to replace your lost documents, including your credit/debit cards, driverÔÇÖs license, social security card, insurance cards, checkbook ÔÇô even travelers checks (pictures, cash and other monies excluded).
- Apoc - 03-14-2008
ScottyB Wrote:yep...i've had my wallet jacked and wow it is a hassle....pretty much all i did for the next 24 hours is track stuff down, tear your files apart looking for info, sit on the phone forever getting stuff squared away.
I've never lost a wallet but it's a good idea to keep a copy of the front/back of pretty much your entire wallet in a safe place so you don't have to deal with this sort of thing.
- ScottyB - 03-14-2008
Apoc Wrote:I've never lost a wallet but it's a good idea to keep a copy of the front/back of pretty much your entire wallet in a safe place so you don't have to deal with this sort of thing.
good idea, hadn't thought of that
- Ginger - 03-14-2008
You know, no offense, dude, but this obviously doesn't matter to you. So why do you keep posting to say "doesn't mean anything to me!"?
I've worked in the financial services industry for a some time, relative to my age and what not at least. A lot of the work I've done, both inside and outside that world involves sensitive information and compromise risk. My latest position allows me a more personal look into the damage that identity theft (and associated losses) can cause than I've had before. Based on my experience, and I've even had my own information stolen before, I don't think it's anything that should be taken lightly.
None of us are experts in identity theft prevention/reaction. It's easy to sit here and play armchair quarterback. But when the shit hits the fan, so to speak, a lot of people are caught with their pants down. If it happens to you, are you going to be ready? Do you have a file that identifies the entire contents of your wallet, with xeroxs of everything, emergency contacts, and hotlines? Do you know how to file disputes? Did you know the credit and debit disputes are filed differently? Have you thought about the inexperience of the call center or branch employee as it relates to YOUR money? And while you're trying to take care of that - who's watching your accounts? And what are you going to do about paying for food and gas while replacement money/cards is/are on the way? Having an expert at your disposal is not a bad thing. With a dedicated company, even if you're not speaking with an expert you've at least got a product/service guarantee.
OK, baggio, so you've read all this and you still don't care. That's great. You're lucky to be able to keep things in order, as it were. I've got 3 different plastics in my wallet at all times. I've got two different, equally important ID's, health care information, and some other mildly sensitive stuff that would go beyond affecting just me if my wallet were stolen. I don't even have any complicated financial affairs! But I've got accounts at several different banks, a lot of credit that could be damaged, and family to worry about associating. Clearly some of us really should be thinking more about information loss. Just because it doesn't matter to you doesn't mean that it has no reasonable application.
- WRXtranceformed - 03-14-2008
I mean just going through the mortgage process you see how important it is to have damn near perfect credit nowadays to get good interest rates. That alone is a huge reason to at least monitor your own finances and credit if you don't want to pay someone else to do it. If you haven't bought a house yet, it's something you're going to get a lot more serious about in the future. I can't even imagine having creditors banging on my door trying to collect on bills that I had nothing at all to do with.
- mrbaggio - 03-14-2008
Relax. Why do you even care what I think?
Like the OP said before, the service provided is stuff you could do on your own. I would prefer to do that myself and not pay for such a service.
I think ID theft is serious and something everyone should be concerned with. I have taken the necessary steps, in my estimation, to reduce the risk to an acceptable level.
I did not know or care how different disputes are handled. I will continue to not care until I need that information. If that time comes I will go get it. Thanks google.
I never said the service was not valuable. It's just not one I would pay for. You don't like my option? Go ahead and skip my posts.
- HAULN-SS - 05-22-2008
hilarious
<!-- m --><a class="postlink" href="http://www.cnn.com/2008/CRIME/05/22/lifelock.flap.ap/index.html">http://www.cnn.com/2008/CRIME/05/22/lif ... index.html</a><!-- m -->
- WRXtranceformed - 05-22-2008
My computer froze up trying to read that page for some reason, but I did see some of it... that's pretty funny! I'm sure if you goad people enough into stealing your identity someone is going to be successful eventually. The irony is that they dont do anything special really other than the wallet lock, you just pay them to do stuff you could do yourself but that I would never remember to do. Can you cut and paste the whole story?
- HAULN-SS - 05-22-2008
SAN JOSE, California (AP) -- Todd Davis has dared criminals for two years to try stealing his identity: Ads for his fraud-prevention company, LifeLock, even offer his Social Security number next to his smiling mug.
Todd Davis, CEO of Lifelock, uses his real Social Security number in his company's advertisements.
Now, LifeLock customers in Maryland, New Jersey and West Virginia are suing Davis, claiming his service didn't work as promised and he knew it wouldn't, because the service had failed even him.
Attorney David Paris said he found records of other people applying for or receiving driver's licenses at least 20 times using Davis' Social Security number, though some of the applications may have been rejected because data in them didn't match what the Social Security Administration had on file.
Davis acknowledged in an interview with The Associated Press that his stunt has led to at least 87 instances in which people have tried to steal his identity, and one succeeded: a guy in Texas who duped an online payday loan operation last year into giving him $500 using Davis' Social Security number.
Paris said the fact Davis' records were compromised at all supports the claim that Tempe, Arizona-based LifeLock doesn't provide the comprehensive protection its advertisements say it does.
"It's further evidence of the ineffectiveness of the services that LifeLock advertises," said Paris, who is lead attorney on the three new lawsuits, the latest of which was filed this month.
Davis learned about the fraud in Texas when the payday-loan outfit called to collect on the loan, he said. He didn't get an alert beforehand because the company didn't go through one of the three major credit bureaus before approving the transaction.
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Davis said it's possible driver's licenses have been issued to other people in his name because of the widespread availability of his personal information -- and because of what he described as the flimsy mechanisms in place to report that kind of fraud.
Paris noted that LifeLock charges $10 a month to set fraud alerts with credit bureaus, even though consumers can do it themselves for free.
But Davis stands by his company and his advertising gimmick, which has appeared in newspapers and on billboards, radio and MTV. He even broadcasts it by bullhorn on walking tours through crowded downtowns.
"There's nothing on my actual credit report about uncollected funds, no outstanding tickets or warrants or anything," he said. "There's nothing to indicate my identity has been successfully compromised other than the one instance. I know I'm taking a slightly higher risk. But I'll take my risk for the tremendous benefit we're bringing to society and to consumers."
The lawsuits, for which Paris is seeking class-action status, highlight the fundamental limits on how much security identity-theft companies can provide.
Companies like LifeLock can help guard against only certain types of financial fraud by helping consumers set up alerts with credit bureaus, which inform them when someone tries to open a new line of credit or boost their credit limit to finance a buying binge, for example.
The services don't guard against many types of identity theft such as use of a stolen Social Security number on a job application or for medical services, or even the instance of an arrestee giving police a stolen Social Security number to shield his own identity.
LifeLock is also being sued in Arizona over its $1 million service guarantee, which the plaintiffs claim is misleading because it only covers a defect in LifeLock's service, and in California by the Experian credit bureau. Experian accuses LifeLock of deceiving consumers about the breadth of its protection and abusing the system for attaching fraud alerts to credit reports.
Security experts say complaints about the company reinforce the time-honored wisdom of keeping your Social Security number secret.
"There's been a lot of marketing, a lot of hype about LifeLock," said Paul Stephens, director of policy and advocacy with the Privacy Rights Clearinghouse, a nonprofit consumer advocacy organization. "The question is, 'How much protection does it really buy you?"'
"There is no company that can guarantee they can protect you (completely) against identity theft," Stephens said. "Absolutely nobody can do that."
Re: Lifelock.com? - REED - 05-19-2010
way back from the dead......
I saw this and remembered there was some discussion about lifelock on here.
http://gizmodo.com/5542092/lifelock-ceos-identity-has-been-stolen-13-times
Re: Lifelock.com? - WRXtranceformed - 05-20-2010
The company is actually in a class action lawsuit right now for their marketing program. I can't remember the details, but I got a letter about it haha. I discontinued their service last year.