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LifeLock vs Privacy Matters 123

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LIFELOCK

LifeLock offers Identity Theft protection programs for both individuals and businesses. LifeLock is one of the pioneers in Identity Theft protection and consistently works to stay ahead of the ever-changing world of identity theft. Here's a summary of the Identify Theft protection services they currently offer:

  • LifeLock Standard. LifeLock utilizes a system that monitors whether your personal information is used to apply for credit cards, check orders, mortgage loans, payday loans, auto loans, and many other forms of credit. If a breach of your identity is detected, you are alerted via email or phone. You also benefit from a Lost Wallet Protection service, the monitoring of any false address changes, and detection of whether your personal data appears on the black market. All of these options work to proactively monitor and mitigate the effects of fraudulent activity. Further, LifeLock also works to remove their customers from pre-approved credit card lists to minimize the potential risk of theft.
  • LifeLock Advantage. This option provides all of the protection of the Standard Plan, plus the monitoring of checking and savings account activity. Customers are able to sign on to a single website to review activity across several credit card and bank accounts. Alerts occur for cash withdrawals, large purchases and cash transfers. This service also provides notifications of reported data breaches at your favorite local retailers you may have visited. In addition, you benefit from Fictitious Identity Monitoring, which includes detecting whether your social security number becomes linked to other names and addresses. LifeLock also scans court files for activity involving your name and other information, which may indicate an identity breach. Advantage members further benefit from an annual online credit report and credit score, which is included with membership.
  • LifeLock Ultimate Plus. This is LifeLock's all-encompassing option that provides the highest level of Identity Theft protection. With this plan, you receive all of the protections in the Standard and Advantage plans, plus the monitoring of new account activity at banks across the country in order to catch thieve's efforts to steal your identity. Bank withdrawals and activity within investment accounts also create alerts. In addition, you'll receive an annual credit report and score from all three bureaus, along with an online tracker for credit score changes. This service continues with the monitoring of your name, birthdate, email and social security number at photo, music and data sharing networks. Finally, LifeLock Ultimate Plus protects you and your family by alerting you if a sex offender moves into your neighborhood and whether they've used your address.

In addition to credit monitoring, detecting fraudulent activity, and alerting you of identity threats, LifeLock also provides assistance if an identity theft does take place - backed with an impressive $1,000,000 guarantee. If your identity is stolen, LifeLock's remediation team immediately takes action to restore your credit. The company will hire all the necessary lawyers, investigators, accountants - whatever assistance you may need. If any error or defect occurs in the services offered, LifeLock will pay up to $1,000,000 to correct the failure. The benefits under this Service Guarantee are provided under a Master Insurance Policy underwritten by State National Insurance Company. Under the Service Guarantee, LifeLock will spend up to $1 million to hire experts to help your recovery. As this is only a summary please see the actual policy for applicable terms and restrictions.

As a customer of LifeLock, you receive additional perks, such as annual credit reports and access to LifeLock Junior. This is an add-on service that serves to protect your children's identity. As strange as it may sound, many children have their identity stolen, which can go undetected for years. Thieves target kids because they know that typically no one is watching their credit until they become older. Monitoring credit applications and other services for your child's personal information minimizes their exposure to thieves and reduces the potential of a major credit and identity theft disaster.

LifeLock's services start at a very affordable $9.99 per month. If you're concerned about identity theft, LifeLock's comprehensive program should put your mind at ease. By taking the steps necessary to protect your identity, LifeLock provides a strong defense against identity thieves. And their $1,000,000 guarantee puts their money where their mouth is. LifeLock earns our highest rating.

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PRIVACY MATTERS 123

This website is not easy to navigate through. There are too many different links. It took us a while to find a link to simply explain how Privacy Matters 123 protects a person's identity. By the looks of the website, signing up for protection appears to be more about getting a free credit report than actually protecting your identity.

They do not provide any information on their refund policy or service level guarantee.

As a member of Privacy Matters 123, you receive the following benefits:

  • Automatic monitoring of your credit at all three credit bureaus
  • Unlimited access to your credit report and score
  • Unlimited access to customer service

You can try the Privacy Matters 123's services free for seven days. If you decide to cancel you still receive your online credit report. If you do not cancel, your credit card will be billed $19.99 per month

This is where the service provided by Privacy Matters 123 ends. They do not provide the fraud alerts, credit line verification, or identity theft insurance provided with the other plans in our review. Ironically, they do offer the highest cost however.

Privacy Matters 123 offers the bare minimum in protection and costs the most per month. The website is organized poorly and they provide no guarantee or identity theft insurance. For real identity theft protection, we suggest you look to one of our higher-rated selections.

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Identity Theft

To help you find the Best Identity Theft Protection, TopConsumerReviews.com provides you with an in-depth comparison of LifeLock and Privacy Matters 123.

A $50 Billion industry is big business. Unfortunately, that's how much fraudulent activity is charged each year stemming from identity theft. It's a big business alright; and one in which you are a potential victim.

There are a variety of ways in which data thieves can steal your personal information. They can sift through trash to find bills and credit statements; they can steal credit and debit card numbers when your card is used; they can "phish" your email and retrieve your data while posing as legitimate businesses. The list goes on and on.

Once they have your data, it doesn't take long for them to wreak havoc. For example, they can drain your bank and checking accounts. Or, they can open new loans for cars and other big ticket items. They can even charge your accounts for vacations, home furnishings, and surgical procedures such as Liposuction and plastic surgery.

And after you realize you're a victim, it can take months or even years to straighten out the mess.

While no one can guarantee that your personal information will never be stolen, Identity Theft Protection services work to make sure that this information can not be used to bring you harm.

There are a number of features you'll want to consider when looking for an Identity Theft Protection service. Some of these include:

  • Services offered.  Some companies provide extensive protection and monitoring services; others provide just basic reporting.
  • Cost.  The cost for these services can vary widely. You want to be sure you're getting good value for your dollar.
  • Guarantee.  Some services provide no guarantee of protection; others provide up to $1 million worth of coverage.

TopConsumerReviews.com has reviewed and ranked the best Identity Theft programs available today. We hope this information helps you protect your identity and credit files right away!



Identity Theft In The News

Former Alabama bank president pleads guilty to identity theft in $100,000 fraud scheme

A former bank president already sentenced to federal prison has now pleaded guilty on state charges for issuing fraudulent loans and using the money for himself. John Kevin Vann, 57, pleaded to a char...

Published:  Fri, 20 Jul 2018 16:56:00 GMT



Protect Your Kids From Identity Theft by Freezing Their Credit

If you've taken steps to protect yourself from identity theft, good on you. But if you're a parent, you're not done yet-your kid could very well end up as a victim. More than 1 million children in the ...

Published:  Thu, 19 Jul 2018 07:36:00 GMT



Former employee at state auditors office suspected of license forging, ID theft

"It was enough to make us concerned that there was some type of identity theft going on," Johnson said. That's not all they found. "We found an owners manual for a vehicle, we found a registration for ...

Published:  Fri, 20 Jul 2018 16:48:00 GMT



2 Honduran contractors charged with ID theft, fraud, tax evasion

JACKSONVILLE, Fla. - Construction contractors, shell companies and tax fraud -- those are some of the charges that have been filed against two Honduran citizens in U.S.District Court in Jacksonville. ...

Published:  Fri, 20 Jul 2018 13:23:00 GMT



Can You Survive Identity Theft

Common sense is the best defense against identity theft - creating strong passwords for online accounts and monitoring personal credit reports and credit card statements are good, basic steps to take ...

Published:  Fri, 20 Jul 2018 13:03:00 GMT



Former state auditor accused of ID theft, license crime

SANTA FE, N.M. (AP) - A criminal complaint accuses a former senior state auditor of identity theft and altering or forging driver's licenses. The Santa Fe New Mexican reports the State Auditor's Offic...

Published:  Fri, 20 Jul 2018 17:27:00 GMT



Fort Lee man admits targeting veterans for identity theft scheme

Fort Lee man admits targeting veterans for identity theft scheme A Fort Lee man admitted Friday to stealing personal information from current and former members of the U.S. Army as part of a tax fraud ...

Published:  Fri, 20 Jul 2018 12:59:00 GMT



Tips to guard against ID theft while on vacation

VIRGINIA BEACH, Va. - As millions of Americans get ready to relax at the beach, visit theme parks, set sail on a cruise or explore exotic destinations this summer, AAA Tidewater Virginia is reminding ...

Published:  Fri, 20 Jul 2018 09:30:00 GMT




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