LifeLock Credit Monitoring Review

Life­Lock has been around since 2005 and has been rated as Consumer Reports best credit monitoring providers. Life­lock takes iden­tity theft pro­tec­tion seri­ously and brings in advi­sors from a wide vari­ety of sources that to help them continuously refine and improve their pro­tec­tion ser­vices. With com­pa­nies like VeriSign and Amer­i­can Express, U.S. gov­ern­ment agen­cies like the Secret Ser­vice, and secu­rity experts like Kevin Mit­nik, Life­lock is work­ing tire­lessly so that you can have peace of mind. Let’s take a closer look at what they offer.

What Does Life­Lock Offer?

Life­Lock breaks down what they offer individuals into three cat­e­gories: a Standard Plan, an Advantage plan, and an Ultimate Plus plan.

The Life­lock online dash­board gives you a clear overview of your alerts and credit file details.

Life­lock Standard Plan -Enrolling in the Standard Plan gives you access to an online dash­board that lets you see what is going on with one click con­ve­nience. Your iden­tity is mon­i­tored for poten­tial threats in credit and non-credit are­nas and for pub­lic expo­sure that may not have been autho­rized by you. You also get com­pre­hen­sive recov­ery ser­vices if your iden­tity is stolen while cov­ered by Life­Lock, as well as reme­di­a­tion ser­vices if wal­let or purse is stolen. The basic plan nor­mally costs $9.99/month but if you sign up here, you can get ser­vice for only $8.99/mo or $98.90/year+ 30 Days Free.

Life­lock Advantage Plan –  The Advantage Plan expands on the Standard Plan by offer­ing more spe­cific ser­vices, such as:

  • Pay­day Loan monitoring
  • Pub­lic Record monitoring
  • Crim­i­nal web­site mon­i­tor­ing for use of your ID (known crim­i­nal websites)
  • Around the clock access to your credit reports and your Tran­sUnion credit score
  • An enhanced online dashboard
  • Mon­i­tor­ing of your bank accounts for infor­ma­tion changes
  • Daily mon­i­tor­ing of all of your credit information

The Advantage plan normally costs $19.99/month, but you can sign up here and pay $17.99/month or $197.90 annually + 30 Days Free

Lifelock Ultimate Plus Plan – Life­lock Ulti­mate Plus  is a con­sid­er­able upgrade from the basic ser­vice. The most impor­tant ben­e­fit of Ulti­mate over the Standard Plan is the daily mon­i­tor­ing of your credit infor­ma­tion. This will cause an imme­di­ate alert to be trig­gered if any sus­pi­cious hap­pens in your credit file.

The Life­lock Ulti­mate Plan is nor­mally $29.99/mo but with our Life­lock promo code “9” you can get it for only $26.99/mo with the first 30 days for FREE. If you want to save even more you can pre­pay the entire year for only $296.90 (a sav­ings of $36.00 over the monthly option).

Life­lock Credit Score Man­age­ment Service – The Credit Score Man­age­ment Plan is an add-on ser­vice for those who choose the basic plan and want more defenses for their iden­tity, but not at the level of the Ulti­mate Plan. You get daily credit mon­i­tor­ing, a monthly update of your Tran­sUnion credit score, alerts to changes in your credit score, and annual credit reports from the three major credit bureaus.

LifeLock also offers a supplemental plan called LifeLock Junior, available with any adult membership, to protect your child’s social security number.

How Does Life­Lock Alert You?

Life­Lock will send you an e-mail, phone call, or text to let you know that there is the poten­tial of hav­ing your iden­tity stolen. There is also a risk fac­tor chart that is on your online dash­board that shows you what your cur­rent risks of iden­tity theft are. If given a high level of iden­tity theft risk, you are noti­fied online as well as through your cho­sen con­tact method so that you can get into con­tact with a Life­Lock agent to assist you.

In addi­tion, if you lose your wal­let or purse in either Life­Lock mem­ber plan, you can con­tact Life­Lock, who will, in turn, con­tact your finan­cial insti­tu­tions and com­plete any nec­es­sary paper­work on your behalf.

The Life­Lock Ser­vice Guarantee

Life­Lock believes in 5 points of total iden­tity pro­tec­tion, with one of the most impor­tant being the recov­ery ser­vice guar­an­tee that is offered. Not only does Life­Lock give you access to a ded­i­cated reme­di­a­tion spe­cial­ist should your iden­tity be com­pro­mised, but you’ll have access to LifeLock’s $1 mil­lion guarantee.

$1 Mil­lion Guarantee

LifeLock’s has an attrac­tive guar­an­tee in that it will spend up to $1,000,000 to restore a client’s good name in the event this per­son becomes a vic­tim of iden­tity theft while under the company’s watch. Of course there are lim­i­ta­tions on this mil­lion dol­lar ser­vice guar­an­tee how­ever it is an aggres­sive com­mit­ment to the client and can prove to be quite a life­saver con­sid­er­ing the expense involved in hir­ing pro­fes­sion­als such as attor­neys and inves­ti­ga­tors to undo the dam­age of this crime.

Unlike other agen­cies who offer a sim­i­lar guar­an­tee, every­thing with Life­Lock is “in house” and just one phone call away. You don’t have to attempt to find pro­fes­sion­als reme­di­a­tion spe­cial­ists on your own time.

How Easy is Life­Lock to Use?

Enrolling in a Life­Lock plan is quick, easy, and will only take you 3 min­utes to com­plete the setup. With the online dash­board, you can quickly take in where you cur­rently stand with your iden­tity, as well as access the infor­ma­tion that you wish to access with just a click. With around the clock agents avail­able to serve you should you have any ques­tions, Life­Lock has a sim­ple and straight­for­ward iden­tity pro­tec­tion service.

Around the Clock Support

Life­Lock is the most widely used iden­tity theft pro­tec­tion ser­vice provider. You have access to a live cus­tomer ser­vice agent no mat­ter what time of day it hap­pens to be. Your unique sit­u­a­tion will be ana­lyzed so that you get the most com­pre­hen­sive level of ser­vices that will pro­tect your iden­tity effec­tively. You also get unlim­ited access to your online dash­board, which shows your cur­rent threat level, your credit score, and much, much more.

Pric­ing & Value

Life­Lock pro­vides their ser­vices bun­dled into three dis­tinct pack­ages that can fit anyone’s bud­get.

Is Life­lock Worth It?

Life­Lock does have one of the more expen­sive sets of com­pre­hen­sive ser­vices when it comes to pro­fes­sional iden­tity theft pro­tec­tion. They made a big splash by adver­tis­ing the Social Secu­rity num­ber of their Pres­i­dent as proof of how good their ser­vices are, but they back up what they adver­tise with their five points of pro­tec­tion. Life­lock offers a great ser­vice at a fair price. We recommend you try the Advantage plan free for 30 days and see for yourself.

Providers like PrivacyGuard and also offer identity /credit monitoring services, but don’t offer as many features as Identity Guard and LifeLock.

If you use this link, you can get 30 days of free credit monitoring with LifeLock & save 10% off your subscription.

*please note, if you sign up for a LifeLock plan using any of the links on this page, SIF receives compensation from LifeLock which helps us keep this site as a free resource for consumers.