Complaints about Life Lock

It doesn’t happen often, but occasionally you might come across complaints about Life Lock. Some people smirk and complain that Life Lock provides services you can do for yourself for free. Or, they say other people are crazy to give Life Lock all their personal information. In each of these complaints, there is a bit of legitimacy … but just a bit.

Some, but not all, of the services LifeLock provides, you could be doing for yourself. These are the things you could do yourself that are included in your LifeLock membership:

  • Fraud alerts should be placed on your accounts with the major credit reporting companies. These expire every 90 days, so don’t forget to renew. You can do this free of charge.
  • You should order and review your credit reports from all agencies at least once a year. You can do this free of charge.
  • Those pre-approved credit card offers you get in the mail provide a wonderful opportunity for identity thieves. You should remove your information from junk mail lists. You need to do this annually, but it is free.
  • It’s a common scam for pretexters, posing as phone solicitors, to call your house and tell you you’ve won a free trip. Then they ask for your credit card number to reserve a hotel room for you. You need to remove your name from all phone solicitation lists, and again, you need to do this annually, but it is free.

How many people do you think actually do all this stuff and follow up the renewals?

Ask yourself: Do you pay someone else to change the oil in your car? Do you pay someone else to cut your hair? Do you perform your own manicures and pedicures? Do you wash and detail your own car in the driveway?

These are all examples of services we all commonly pay for. Sure, we could do save money by doing these things ourselves, but time’s precious, life’s busy, and sometimes it’s worth paying someone who does a better job than we could do ourselves. And so it is with LifeLock’s identity theft protection services.

Other services you get only from LifeLock
If you ever lose your purse or wallet, LifeLock will replace your driver’s license, credit cards, Social Security card, bank cards, insurance cards, checkbook, professional licenses, passport, visas…any official documents you’re missing. That’s their exclusive WalletLock service, and it’s all part of your service at no additional fee.

That brings us to the second complaint. Once you’re a member, they’ll give you a form so you can write down all of the information on all those documents in your wallet. Then they want you to lock up that form somewhere safe. You don’t have to give them that information unless (or until) you want them to use it. And if you do, know that they store all client data offsite; all of their buildings have state-of-the-art biometric access, alarms and security; they background check all employees and do regular, random drug testing; they’re ISO 27001 certified for data and operational security.

To place the fraud alerts, they need your Social Security number and other pertinent information, but no more than what’s required by the credit reporting companies.

One more thing…from the minute you become a LifeLock customer you’re covered by a $1 million total service guarantee. And, just in case you’re wondering, they’ve never had to. So…what’s to complain about?

7 Responses to “Complaints about Life Lock”

  1. Angie S. says:

    i’m a realtor and work at least 60 hours every week, and i’m a single mom with 2 boys. a friend’s credit card was used online for something like $6K in 2007. ever since then i’ve been a lifelock customer. there’s no way i’d be doing all the things they do for me. $9 a month is nothing if it keeps me from going through everything she went through!

  2. tiana says:

    i have seen all these negative things about life lock. i called and talked to a lady befor hand and she was lovely and knowlegable. i read things like the 1million is not really backed. or that its fraugelant. that emails get stolen. ect. i wish i could get an honest unbias real opinion.

  3. admin says:

    Thanks, Tiana. I wrote an honest review and report on 10/20/09 about my own experience with LifeLock. I’ve been researching and writing about ID theft full time for almost 3 years, and have never heard or read anything about stolen emails. I’ve heard the stuff about their $1million service. It is limited because it’s impossible to completely prevent ID theft–there are hundreds of stories about identities stolen by bank, hospital, insurance employees and recently one about an AT&T temp who stole info. According to a VerizonBusiness study, more than 280 MILLION records were compromised in data breaches in 2008. If you read of a service that claims to PREVENT ID theft, run! What LifeLock provides in a service that helps their members protect themselves, catch the incident early and move on through damage control.

  4. Michael Padula says:

    I see that LifeLock provides some kind of special help [$1 million] if THEY are at fault in some way regarding the theft or attempted theft of your identity.
    However, what about the $1 million “insurance” boasted by other ID theft companies that LifeLock does not provide?

  5. admin says:

    Michael,

    LIkeLock is not an insurance company, nor do they claim to be one. If I were you, I would be very skeptical about companies that refer to their identity theft protection services as insurance. Companies selling insurance are subject to state and federal licensing and regulations similar to those of banks, and it’s highly doubtful that the ID theft services companies you’re talking about are legitimate.

    LifeLock’s $1 million total service guarantee backs up their product and is based on the same simple premise of other guarantees we’re all familiar with: If we sell you a defective product, we’ll honor our responsibility. In the case of a defective washing machine, the company will service the appliance or replace it. If there is a defect in LifeLock’s service that results in a member’s identity theft, LifeLock will spend up to $1 million to help in the repair and recovery efforts.

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