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LifeLock vs Trusted ID

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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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TRUSTED ID

Trusted ID offers a variety of products to help protect your identity. First, to help guard against Identity Theft, they offer a product called ID Freeze. ID Freeze offers the following features:

  • Bankers must call and double check your identity when they receive a new credit request
  • Monitoring of your credit card numbers
  • Stop pre-approved credit offers from being mailed to your home
  • Receive a credit report evaluation
  • Have access to identity theft and restoration specialists

Another product we liked was the StolenID Monitor. For free, you are able to search the Trusted ID database to find out if your social security number or credit card information have already been stolen. If they haven't, you have the option to try StolenID Monitor free for one year. This product will monitor up to three pieces of data (SSN's, credit card numbers) and will alert you if your data is being misused.

Trusted ID backs their services by offering to pay up to $1,000,000 to cover any out-of-pocket costs associated with identify theft for their customers. This is a welcome show of confidence in the strength of their products.

Trusted ID offers their ID Freeze service for $10 / month, or $120 per year. If you sign up for a 12-month subscription, you pay only $99 (effectively receiving 2 months free) For additional fees you can also utilize their StolenID Monitor (free for the first year).

Trusted ID offers services very similar to top-rated LifeLock. For their monthly fee you receive identity theft protection backed with a very good guarantee.

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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 Trusted ID.

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

Identity theft: Banking has changed, criminals haven't - here's how to protect your money

This year marks a decade since the financial crisis. The biggest financial institutions still dominate the landscape, but banking has changed. Mobile banking now plays a significant role in how we man...

Published:  Sun, 15 Jul 2018 04:06:00 GMT



To Catch A Thief - Lessons We Can All Learn From Demi Moore's Identity Theft Drama

The recent film Ocean's 8 is the story of a group of thieves that steal a priceless necklace from a famous movie actress, in plain sight. A series of cons are pulled off that enable the heist to occur ...

Published:  Fri, 13 Jul 2018 02:08:00 GMT



Suspects wanted for identity theft and stealing two vehicles

BULLHEAD CITY - Local law enforcement agencies are searching for suspects wanted for identity theft and stealing two vehicles from a local car dealership. The two vehicles were fraudulently purchased ...

Published:  Fri, 13 Jul 2018 14:03:00 GMT



Your identity was stolen. Now what do you do

ORLANDO, Fla. - If you suspect you're a victim of identity theft or your personal documents were stolen, taking these steps will help you recover and prevent your identity from being used fraudulently ...

Published:  Sun, 15 Jul 2018 12:46:00 GMT



MHA to host internet safety, identity theft protection workshop

UTICA - The Utica Municipal Housing Authority will sponsor a workshop on identity theft protection and internet safety at 6 p.m. Tuesday at the Utica Public Library. The event is free and open to the ...

Published:  Sun, 15 Jul 2018 06:22:00 GMT




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