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LifeLock Identity Theft Protection Review


ConsumersAdvocate.org Rating: 4.8 / 5 (Excellent)
25 Customer Comments & Reviews - see all comments
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Identity fraud can damage your finances, credit, and reputation — that is where identity theft protection services like LifeLock help protect you. LifeLock provides trusted and high-quality protection against identity fraud, in addition to credit monitoring, restoration services, and support if your identity is compromised. LifeLock also helps protect members with its Million Dollar Protection™ Package, which provides reimbursement of stolen funds, personal expense compensation, and if needed, coverage for lawyers and experts, to help resolve your identity issue. Enrollment is easy, and your protection can start within minutes.

LifeLock Plans, Pricing & Features

LifeLock Standard™ - See Plan Details

$11.99/month for the first 12 months

LifeLock Standard™ identity theft protection uses innovative monitoring technology and alert tools to help proactively safeguard your credit and finances.† LifeLock will send you alerts for potential identity theft by text, phone, email, or mobile app and if identity theft does occur, a U.S.-based Identity Restoration Specialist is there to manage your case personally.

LifeLock Standard™ membership includes all features included in the Standard plan, plus the following:

  • Up to $1 million for lawyers & experts

  • Up to $25,000 in stolen funds reimbursement

  • Up to $25,000 in personal expense reimbursement

  • Identity & Social Security Number Alerts

  • 1-Bureau Credit Monitoring¹

LifeLock Advantage™ - See Plan Details

$22.99/month for the first 12 months

LifeLock Advantage™ identity theft protection provides enhanced identity theft protection, including important notifications beyond financial and credit fraud.

LifeLock Advantage™ membership includes all features included in the Standard plan, plus the following:

  • Up to $100,000 in stolen funds reimbursement

  • Up to $100,000 in personal expense reimbursement

  • Identity Lock: TransUnion Credit File Lock 

  • Phone-Takeover Monitoring

  • Alerts on Crimes in Your Name

  • Buy-Now Pay-Later Alerts

LifeLock Ultimate Plus™ - See Plan Details

$34.99/month for the first 12 months

LifeLock Ultimate Plus™ offers the most comprehensive identity theft protection. Enhanced services include bank account application and takeover alerts, online annual three-bureau credit reports and credit scores plus monthly one-bureau credit score tracking.¹

LifeLock Ultimate Plus™ membership includes all features included in the Advantage plan, plus the following:

  • Up to $1 million in stolen funds reimbursement

  • Up to $1 million in personal expense reimbursement

  • 3-Bureau Credit Monitoring¹

  • Credit Reports & Scores¹ (1-Bureau Unlimited, 3-Bureau Annual)

  • 401(k) & Investment Account Activity Alerts

  • Home Title Monitoring 

  • Social Media Monitoring

 

How LifeLock ID Theft Protection Works

LifeLock helps keep your money safe, monitors for identity theft in places that banks, credit card providers, and credit bureaus may ignore, and reimburse out-of-pocket expenses incurred as a result of identity theft.

Three-Bureau Credit Monitoring¹

  • LifeLock monitors key changes to your credit file at the three leading credit bureaus and alerts you to help detect fraud.

Dark Web Monitoring

  • Identity thieves can buy or sell your personal information on hard-to-find dark websites and forums. LifeLock patrols the dark web and notifies you if they find your information.

Privacy Monitor™

  • Privacy Monitor helps reduce public exposure of your personal information. LifeLock’s technology scans common public people-search websites for your personal information and helps you opt out, giving you peace of mind and greater control over your online privacy.

Identity & Social Security Number Alerts†

  • It’s the foundation for all LifeLock services. They monitor for fraudulent use of your Social Security number, name, address, or date of birth in applications for credit and services. The patented system sends alerts by text, phone, email, or mobile app.

Bank & Credit Card Activity Alerts†

  • Helps protect your finances against fraud with alerts that notify you of cash withdrawals, balance transfers, and large purchases.

USPS Address Change Verification

  • Identity thieves try to divert mail to get important financial information. LifeLock lets you know of address change requests at the U.S. Postal Service linked to your identity.

File-Sharing Network Searches

  • LifeLock monitors and notifies you if they see your sensitive personal information on file-sharing networks intended for music or photos.

Alerts on Crimes Committed in your name

  • LifeLock checks court records for matches of your name and date of birth to criminal activity. It helps protect you from being falsely linked to arrests and convictions you know nothing about.

Fictitious Identity Monitoring

  • Criminals can use fake personal information connected to your identity to open accounts or commit fraud. LifeLock helps protect your identity by scanning for names and addresses connected with your Social Security number.

Checking & Savings Account Application Alerts†

  • Continuously searches for your personal information in new bank account applications at national banks, local banks, and credit unions from coast to coast.†

 Data Breach Notifications

  • Your information is virtually everywhere, from doctors, insurance companies, employers, and even your favorite retailers. LifeLock lets you know about large-scale breaches, so you can help protect your personal information.

401(k) & Investment Account Alerts†

  • Investment and retirement accounts are often the lifeline for financial growth. LifeLock helps protect your nest egg from fraudulent cash withdrawals and balance transfers.†

 

If my identity is stolen, what does LifeLock do to help me? 

Stolen Funds Reimbursement‡

  • If you have money stolen due to identity theft, LifeLock will reimburse you dollar for dollar up to $1 million.

Coverage For Lawyers & Experts‡

  • If you become a victim of identity theft while a LifeLock member, we will provide the necessary lawyers and experts if needed to help resolve your case, up to $1 million.

US Based Identity Restoration Specialists

  • If your identity is compromised, an Identity Restoration Specialist will personally handle your case and help restore your identity.

 

How to get started with LifeLock

After our careful review, we confidently say that LifeLock offers solid identity theft protection with numerous features.

Customer service from the company is also strong, with its 24/7 live member support. Other notable features include alerts when the company detects personal information, restoration services, reimbursement for stolen funds, and generous compensation for lawyers and experts.

Enrollment is easy, and your protection can start within minutes.

 

LifeLock Disclaimers:

¹ Credit reports, scores, and credit monitoring may require an additional verification process and credit services will be withheld until such process is complete.

LifeLock does not monitor all transactions at all businesses.
‡ Reimbursement and Expense Compensation, each with limits of up to $25,000 for Standard, up to $100,000 for Advantage, and up to $1 million for Ultimate Plus. And up to $1 million for coverage for lawyers and experts if needed, for all plans. Benefits provided by Master Policy issued by United Specialty Insurance Company, Inc. (State National Insurance Company, Inc. for NY State members). Policy terms, conditions, and exclusions at: NortonLifeLock.com/legal


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25 Customer Comments & Reviews

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marylmichaud
10/23/2018
What a waste of money! Take my advice and save your money and your credit rating.I enrolled in this SCAM COMPANY with the belief that they would protect my credit rating, catch any false inquiries, and correct those issues going forward. In the short 10 months I had their "protection" my information was used twice by someone to open an Amazon Chase cc and mt credit rating dropped by over 40 points! They had no idea that my information was used on either occasion. I notified LifeLock that it had occurred. They had ME notify the credit bureaus and then instructed ME to call Chase Bank to find out what information was used of MINE. I then had to call LifeLock back give them all the... Read More


D
Dave E
4/21/2018
Terrible service!!! Did not catch Several fraudulent charges. Did not catch new fraudulent account opening. Alerts in the app did not show correctly. I demanded refund but was only given $10 with no appologies. In my opinion this company is no different than the hackers who have stolen from me.


R
ray V
9/9/2017
I was with Lifelock for several months because I was getting preapproval from banks and lenders. So eventually I bought and applied for new bank account from the lender. Then changed my address when I moved to the new house . To my disappointment, lifelock never ,never even I single text, message, or phone call that alerts me on my credit changes, address. and the new bank acct. Lifelock is a scam and don't fell on the trap. Its a waste of money. I called customer service and they said they can't monitor your life's events. Bunch of ripoffs. Ray V


J
John
8/14/2017
Lifelock supports Rush Limbaugh and the KKK. These people hate you, your family, and everything good in America. One Lifelost so far: Heather Heyer


D
Dennis
8/13/2017
I have opened bank accounts and credit cards and LifeLock has not sent me notifications or even a message in with my monthly report that has stated " No fraudulent activity detected" for years. I complained that I was not receiving alerts and the next credit card I opened I received an alert. That was several years ago. I bought a car a couple of weeks ago. I also acquired an auto loan. I never received an alert and there is no alert on my account on the web site. I sent a message to cancel my account. I have no faith in their service and I wonder if I would get any help if I really needed it. Also, they want you to pay extra to get your credit report. I feel I have wasted my money.


Denese M
4/8/2017
I've been with them for almost three years. I lost my wallet with all my debit and credit cards, check book and cash. An agent stayed on the phone with me for four hours making all contacts to my financial institutions. Another agent arranged a warm hand-off so I could be given instructions regarding filing a claim. Each time there is a transaction on the accounts listed in my profile I receive a notification. When there is a credit inquiry I receive notification. I get the service I am paying for.


J
Juan C
3/27/2017
Someone tried to open a line of credit using my social security and DOB. It was never picked up by LifeLock. When I called to inform them so they could check if there were other inquires on my credit. They asked my for my password which I did not remember and gave them a wrong one. They locked my account. I tried to unlock it several times by requesting my Username and Password over the internet without success. They asked me to fax some documentation to the document department which I have done twice and still my account is locked. They do not assign you an agent to resolve the problem so every time you call you get someone different and have to go over everything again. The customer... Read More


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T R
3/26/2017
I have had LifeLock for years... I used to get notifications from them when I would apply for any new accounts, address change, etc... Now I get nothing from them... After an address change, I got nothing and called them and they said that I needed to upgrade, then "activated" my notifications to work, the same ones that worked before, and said it should be fine now... After opening a new credit card, still not alerts... I am canceling them... I have AAA Protect my id as part of my AAA service and get notifications instantly from them on the situations I described above... LifeLock used to work, but doesn't seem to anymore...


J
Jim W
3/19/2017
I've tried Lifelock for 2 different times now and it's unfortunately been a complete failure. The 1st time, I had an identity theft case in the first 60 days and they never caught it. My recent experience now is the website and the app neither one would work. They must spend 40 hours a week doing system maintenance and you can never login. Also, they tried to bill me in the 1st week and it was supposed to be free. You'll be much better off monitoring it yourself! Avoid at all costs!!!!


Robert R
12/15/2016
The app does not do what they charge you for



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  • Up to $3 Million ID Theft Coverage*
  • 401(k) & Investment Account Alerts¹
  • 3-Bureau Credit & SSN Monitoring¹
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