What a Fraud alert does...

It “alerts” anyone seeking to do something with your credit (like give you a new credit card, increase credit lines, apply for insurance, leases, cell phones, cars, houses…) that you are concerned that your Identity may have been stolen.

The bank (cellphone or insurance company, landlord, etc…) is then supposed to take extra care to identify who you are and that the transaction is valid. They normally do this by calling you at the phone number you tell us to give them.

Our Guarantee

If your Identity is misused while you are a member of LifeLock, we’ll spend up to $1,000,000 to make it right

How LifeLock Works

Yes, that really is my social security number. I put it here because I am that confident that our system works. However, you should protect your social security number and do not share it unless necessary.

Our job is to protect your good name. As a consumer, you have rights that allow you to take more control over who uses your identity and how they use it. We do the mechanics, the details if you will, to enforce those rights. And we stand behind our service with our $1,000,000 Service Guarantee. We charge $10 per month to do it.

Some of what we do, you can do yourself for free. The difference is that the only thing we think about is how to protect your Identity. Think of it this way: all of us can change our own oil, but most of us have it done by specialists. We'd like to think that what we do is more complicated than changing oil, but you get the idea.

Here's what we do:

First, we ask the credit bureaus to set fraud alerts on your behalf. Usually, this is done through our automated systems and the alerts are set within an hour. From time to time there may be a hitch and we have to do the first one manually, usually because they have a different address on file for you. If this happens, we'll tell you right away and do what needs to be done to get the alerts set. (In case you're wondering, we don't charge anything more for this and our Total Service Guarantee is still in effect from day one.)

Second, unless your circumstances change and you tell us not to, every 90 days or so we ask the credit bureaus to do it again. You can do this for free if you'd prefer, but we make sure it gets done and that it gets done right. That's where the oil change analogy we were talking about kicks in.

Third, we request that your name be removed from pre-approved credit card and junk mail lists and we keep making the requests as they expire. Statistics show that this is one of the most common ways that thieves hijack identities. Plus, all that mail is just so irritating. Many of our members tell us that this alone is worth the price. If you are a do-it-yourselfer, you can do this for free, but why not let us do it for you?

Fourth, we order your free credit reports on your behalf from the major credit bureaus and they are sent directly to you. We do this every year. You can also do this yourself for free (Pennzoil anyone?).

Fifth, hassling with lost or stolen wallets is no longer a problem with WalletLock™. If ever your wallet goes missing, just give us a call - anytime, anywhere - and a WalletLock specialist 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, driver's license, social security card, insurance cards, checkbook - even travelers checks - at no additional cost.

Last, but certainly not least: If your Identity is stolen while you are a member of LifeLock, we're going to do whatever it takes to recover your good name. 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.

We don't think you will see a guarantee like this anywhere else from any other company. If you do, let us know because we'd like to do business with them. There isn't much fine print in our Guarantee.

If you have a reason to think that you will become a victim of Identity Theft, we can help you stop looking over your shoulder, because we've got your back.


*Pictures, cash and other monies are excluded. Member is responsible for all applicable fees charged by document issuing companies to replace lost or stolen documents.

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"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 Chandler (AZ) Police Chief

"I took all the precautions to fight ID Theft but never once thought about my son becoming a victim until he became one. Criminals don't care if you're 2 or 102, as long as they get what they want. I have now turned to LifeLock to protect my children and only wish I would've known about Lifelock before this happened to my son."

Lisa Terwillegar
Hickory, North Carolina

"Trying to solve the problems from ID Theft is more frustrating than returning unwanted presents the day after Christmas. I'll never go through that again because of LifeLock."

Sean Simpson
Oklahoma City, Oklahoma

"I have dealt with the results of ID theft for more than three years and read about all the so-called solutions. Until LifeLock came along, I never thought I would see an answer to the problem. LifeLock can stop this crime!"

Paul Fairchild
Edmond, Oklahoma

"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
Applied Creative
Phoenix, Arizona

"LifeLock is an ideal match for financial institutions. It is an ideal and unique solution to the very real fear we all have about ID theft."

Paul Clampitt
President and CEO
Institution Solutions, Inc.