If you’re looking for protection against identity theft, whether for yourself or someone close to you, LifeLock’s Ultimate Identity Theft Protection Service may be what you are looking for. In this LifeLock Ultimate review, I will explain what the service offers so you can make an informed decision as to whether it is the solution you are looking for. In fact when you sign up now you can get a 30-Day Free Trial + 10% Off Your Final Purchase of LifeLock ULTIMATE
In a nutshell, LifeLock Ultimate provides a comprehensive service to both protect and keep tabs on your identity. This makes it harder for identity thieves to steal your identity, and means that you will be alerted if any suspicious activity takes place. LifeLock ensure that you are aware of what is going on and provide support so you can take swift action if you have been targeted by criminals.
Who Is LifeLock Inc?
LifeLock Inc. are an US company that specialize in identity theft protection. They were founded in 2005. Since then, they’ve established themselves as an industry leader in identity theft protection.
They’ve won numerous business awards, such as the 2010 Communitas Leadership Winner for Law Enforcement Training Program. This is down to the company’s focus on working with law enforcement agencies and elected officials. They also work to educate consumers on identity theft, both in terms of the threat it poses and how consumers can protect themselves.
What is LifeLock Ultimate?
LifeLock Ultimate is a protection program for which you pay a monthly fee. It is one of the most comprehensive identity theft protection services available, if not the best outright.
While enrolled, LifeLock provide an array of services to both protect you from identity theft, and to spot suspicious activity so you can take preventative measures. They also provide support so if you are the victim of identity theft, they can tell you the appropriate steps to take.
Who is LifeLock Identity Theft Protection For?
This program is suitable for a wide range of different people:
- You have already been a victim of identity theft – If you’ve been a victim once already, then it is more likely that criminals will try to use your information again. If this is the case with you, LifeLock Ultimate can protect you from recurring identity theft.
- If criminals already have your details – Perhaps criminals already have your details, due to, for example, robbing your home or through hacking a computer you use for online banking. Enrolling in this program can help make identity theft more difficult for criminals, even if they already have your details. And if the worst does happen, then LifeLock will make sure you’re aware that it is happening sooner rather than later.
- You are a target for identity thieves – If you are affluent or you just happen to be in the wrong place at the wrong time, identity thieves may target you specifically. If you have a lot to lose, and don’t have the time to address the threat of identity theft yourself, then enrolling in the LifeLock Ultimate can prevent any problem before it occurs.
- A vulnerable family member or friend – Identity thieves have a wide range of ways to extract confidential information, and vulnerable people (such as an elderly relative) can be much more susceptible to such tactics. Enrolling them in LifeLock Ultimate will mean you can rest easy on their account.
- You want plain-and-simple protection – More than anything else, as you’ll see in the rest of this LifeLock Ultimate review, the program is about providing peace of mind concerning identity theft. Indeed, some businesses are now providing identity theft protection for all their employees. Being the victim of identity theft isn’t a pleasant experience.
What does LifeLock Ultimate Promise?
LifeLock automatically order credit reports on your behalf from all three credit bureaus. LifeLock also tells the credit bureaus to put a fraud alert on your reports. These usually last 90 days, but LifeLock ensure the fraud alert is in place for as long as you are enrolled to their program.
They also issue alerts to you personally if suspicious activity occurs that involves your identity. Their TrueAddress service alert you if someone has tried to change your address, a common tactic of identity thieves. Their eRecon service searches the Internet, specifically looking at criminal websites, to see whether your confidential information has been leaked online.
LifeLock can even help you if your wallet has been lost or stolen with their WalletLock service. They help you both cancel and replace your credit cards, your driver’s license, your social security card, and so on.
If that wasn’t enough, LifeLock also offer great support. I’ve personally contacted LifeLock support staff on two occasions, and in both instances I had a representative on the phone within five minutes.
LifeLock offer two programs for protection: LifeLock and LifeLock ULTIMATE. This is a LifeLock Ultimate review, and you may ask yourself “Why spend the extra on the Ultimate program?”
Simply put, the Ultimate program offers more comprehensive protection than LifeLock’s basic program. The monitoring is more intensive, including daily monitoring of all credit bureau reports and payday loan monitoring, amongst other enhancements.
I believe that if you’re looking for identity theft protection, it is better to nip the problem in the bud once and for all. The Ultimate program can allow you to do that, so if a thief specifically targets you, they will soon give up and move to a less protected target. That means they’ll leave you alone and your life can return to normality.
Do it for Yourself?
Some of actions LifeLock take on your behalf as part of their Ultimate program, you could do for yourself for free. For example, you can obtain your credit reports from the three credit bureaus without the assistance of LifeLock or anyone else.
I mention this because some people may prefer to learn about identity theft and save their money.
That said, doing it for yourself can be confusing for the uninitiated, and it does come at the cost of your spare time. It’s also likely that doing it yourself will also not provide as strong a defense against identity thieves. The main difference is the speed with which LifeLock can alert you of any problems and collect relevant information like your credit reports.
LifeLock specialize in taking these steps for others, so you can be confident that they’re done correctly, rather than fumbling around in the dark yourself.
Does it Do What it Promises?
LifeLock has a $1 million guarantee. This means that if you are a victim of identity theft while enrolled in the LifeLock ULTIMATE program, LifeLock say “If you need lawyers, we’re going to hire the best we can find. If you need investigators, accountants, case managers, whatever, they’re yours. If you lose money as a result of the theft, we’re going to give it back to you. […] We will do whatever it takes to help you recover your good name and we will spend up to $1,000,000 to do it.”
This guarantee suggests that LifeLock believe that they’re more than capable of keeping the promises they make. If they didn’t, one would expect them to quickly go out of business.
The consensus amongst many consumer reviews of the LifeLock services backs this up.
As one example, TopConsumerReviews.com gave LifeLock’s program five stars, the highest they’ve awarded out of all their identity theft protection reviews.
In their review, they said “if you are concerned about identity theft, LifeLock will put your mind at ease. By taking the steps necessary to protect your identity, LifeLock provides a strong defense against identity thieves.”
Are There any Disadvantages?
Since LifeLock Ultimate places a fraud alerts on your credit reports, that makes credit approval more complicated. This is obviously a benefit if someone is trying to assume your identity, but it is an obvious drawback when you yourself want to apply for credit.
This negative is the price you pay for extra security from identity thieves. If this becomes a serious issue for you, you can ask LifeLock to not update your fraud alert.
Another point worth mentioning is that approving many new cards through LifeLock could become annoying. I recently signed up for a Marathon Gas card, it was simple enough to approve it with LifeLock – I simply logged in and accepted it – but it could become time consuming if you have to approve many cards at once.
Below are what several different customers thought of LifeLock’s services.
We looked at a number of companies and found LifeLock had the best product for protecting people from ID theft plus much more. I wish we had found them before my wife and I recently became victims.
Bobby Joe Harris – Retired Police Chief
As the owner of a small business my employees are an extension of my family. I looked into LifeLock and immediately paid to sign everyone up. I just couldn’t live with myself if one of my employees had to deal with the problems of ID Theft and I could have prevented it with LifeLock.
Brian Tritch – President of Applied Creative
Thieves broke into my home and got everything – my passport, birth certificate, social security card, and several other priceless items. They could have ruined me financially. I had heard about how LifeLock guarantees identity protection. So I put them to the test. A few days later, I started getting phone calls that the thieves were trying to open new credit accounts using my identity. LifeLock’s system worked just like they said it would and stopped the thieves early.
Aaron Freeman – Scottsdale, Arizona
How Much Does LifeLock Ultimate Cost?
The standard price to enroll in LifeLock Ultimate is either monthly payments of $25, or for a single yearly payment of $275.
However, you can get a 30-Day Free Trial + 10% Off Your Final Purchase of LifeLock ULTIMATE when you sign up now.