topic Re: Lifelock in Community Chat

Lifelock

scotttie — Thu, 10 Apr 2014 16:34:30 GMT

Anyone have any experience with the Lifelock security ?

Posting also on electronics.

Re: Lifelock

Cakers1 — Thu, 10 Apr 2014 16:38:46 GMT

scottie: My understanding is that they really don't do anything you yourself cannot do to protect your identity.

They do say that not all identity theft can be prevented by them, and their liability is only if you can prove something happened that they failed to stop. Might be kind of hard to prove.

You are talking about that service and not the plastic containers, right?

Re: Lifelock

scotttie — Thu, 10 Apr 2014 16:46:05 GMT

LOL. Cakers, yes, the security service and not the containers! LOL.

I have done the other "check your" services and they are confusing to me. Was hoping lifelock would be easier.

Re: Lifelock

JeanLouiseFinch — Thu, 10 Apr 2014 16:47:58 GMT

I was considering it at one time, but the reviews aren't all that stellar.

Re: Lifelock

scotttie — Thu, 10 Apr 2014 16:50:20 GMT

Thank you JeanLouiseFinch.

I appreciate it.

PS: everyone, I have to leave for a while. I will continue to check this thread as time permits. I do appreciate any input.

Re: Lifelock

twinsister — Thu, 10 Apr 2014 18:44:08 GMT

My boyfriend has had this for a few years. Three weeks ago his wallet was stolen with his credit cards, debit card and SS card in it. He immediately called LifeLock and they said they always check for suspicious activity -but - if he wanted extra surveillance now - it would cost him more money. They told him to call one of the credit bureaus to put a freeze on, so no one could get a mortgage, etc. As for his Social Security number being out there, they gave him a number to contact Social Security administration for further help. So basically they didn't do much for him, just told him who he should contact and gave him some phone numbers. I think they should have done more once his personal information had been compromised.

Re: Lifelock

croemer — Thu, 10 Apr 2014 19:08:29 GMT

We have it...get updates quite often, free credit scores, alerts to 5ex offenders in our area and multiple alerts. Haven't needed it yet for an emergency.

Re: Lifelock

Elstongunn — Thu, 10 Apr 2014 19:14:04 GMT

I've checked into it periodically and have read more "cons" than "pros" about it. I'm not sold on it, yet.

Re: Lifelock

chickenbutt — Thu, 10 Apr 2014 19:23:09 GMT

I've never used it, but whenever I hear/read the name I think about that time when the guy who started the company was driving a bus around with his social security number blasted on the side of it in GINORMOUS font.

I guess the point was that he could put his ss# out there without fear - then he got hacked.

oopsie!

Re: Lifelock

gazelle77 — Thu, 10 Apr 2014 19:30:21 GMT

I heard CS is a nightmare once they sign you up.

Re: Lifelock

focksie — Thu, 10 Apr 2014 19:55:37 GMT

On 4/10/2014 twinsister said:
My boyfriend has had this for a few years. Three weeks ago his wallet was stolen with his credit cards, debit card and SS card in it. He immediately called LifeLock and they said they always check for suspicious activity -but - if he wanted extra surveillance now - it would cost him more money. They told him to call one of the credit bureaus to put a freeze on, so no one could get a mortgage, etc. As for his Social Security number being out there, they gave him a number to contact Social Security administration for further help. So basically they didn't do much for him, just told him who he should contact and gave him some phone numbers. I think they should have done more once his personal information had been compromised.

I understand they have up to a million dollar reimbursement if you are out any money due to identity theft, even with their basic plan.

Re: Lifelock

Cakers1 — Thu, 10 Apr 2014 21:00:26 GMT

On 4/10/2014 focksie said:
On 4/10/2014 twinsister said:
My boyfriend has had this for a few years. Three weeks ago his wallet was stolen with his credit cards, debit card and SS card in it. He immediately called LifeLock and they said they always check for suspicious activity -but - if he wanted extra surveillance now - it would cost him more money. They told him to call one of the credit bureaus to put a freeze on, so no one could get a mortgage, etc. As for his Social Security number being out there, they gave him a number to contact Social Security administration for further help. So basically they didn't do much for him, just told him who he should contact and gave him some phone numbers. I think they should have done more once his personal information had been compromised.

I understand they have up to a million dollar reimbursement if you are out any money due to identity theft, even with their basic plan.

focksie: Yes, they do but as twinsister pointed out her brother had to do all the footwork anyway to straighten things out. These are things we would do with or without Life Lock. I think it would be very hard to prove that you had identity theft because Life Lock messed up.

Not sure they are worth the money, since many banks/cc companies offer alerts now anyway.

I guess if it makes one feel more secure, that's fine.

Re: Lifelock

Cakers1 — Thu, 10 Apr 2014 21:02:45 GMT

On 4/10/2014 beammeupscottie said:
LOL. Cakers, yes, the security service and not the containers! LOL.

I have done the other "check your" services and they are confusing to me. Was hoping lifelock would be easier.

oops - should have realized it's LifeLock, not LocknLock.

Re: Lifelock

focksie — Thu, 10 Apr 2014 21:41:38 GMT

On 4/10/2014 Cakers1 said:
On 4/10/2014 focksie said:
On 4/10/2014 twinsister said:
My boyfriend has had this for a few years. Three weeks ago his wallet was stolen with his credit cards, debit card and SS card in it. He immediately called LifeLock and they said they always check for suspicious activity -but - if he wanted extra surveillance now - it would cost him more money. They told him to call one of the credit bureaus to put a freeze on, so no one could get a mortgage, etc. As for his Social Security number being out there, they gave him a number to contact Social Security administration for further help. So basically they didn't do much for him, just told him who he should contact and gave him some phone numbers. I think they should have done more once his personal information had been compromised.

I understand they have up to a million dollar reimbursement if you are out any money due to identity theft, even with their basic plan.

focksie: Yes, they do but as twinsister pointed out her brother had to do all the footwork anyway to straighten things out. These are things we would do with or without Life Lock. I think it would be very hard to prove that you had identity theft because Life Lock messed up.

Not sure they are worth the money, since many banks/cc companies offer alerts now anyway.

I guess if it makes one feel more secure, that's fine.

I copied this from their website. It doesn't sound like they claim to do all the footwork for you, although I can see where it could be misconstrued that they do that. I read it as they just identify a problem when it happens and alert you, then reimburse for any damages. I'm considering LifeLock because I called my bank the other day and was miffed they didn't ask me all the necessary security questions.

We're Always Here to Help

Both LifeLock and LifeLock Ultimate® protection include stolen or lost wallet remediation services to help cancel and replace the contents of your wallet.* We'll help you contact your financial institutions and complete the necessary paperwork you need to get your life back in order. Plus, if you have a question or need help, you have access to phone support—24 hours a day, 7 days a week, 365 days a year.

Re: Lifelock

Cakers1 — Thu, 10 Apr 2014 21:46:19 GMT

focksie: Interesting but if I lost my wallet I'd be on the phone in a flash to contact cc and banks. Now there may be poor customer service at some banks, so Life Lock might be helpful. But I don't see having to use them to cancel your own cc, for example.

I guess it's good for those who don't know how to handle things on their own?

I did lose a cc once, called immediately, verified my last purchase, and had a new card/number in days.

Re: Lifelock

focksie — Thu, 10 Apr 2014 21:49:47 GMT

Cakers, I think their service is not so much for when you know you've lost your wallet, but more for identifying a thief when you aren't aware of your identity being stolen or your personal info compromised. I was a victim of identity theft many years ago. I was totally unaware that someone had used my SSN to purchase a home clear across the country until I got a call from the FBI! I think LifeLock would be exactly the service for a situation like that.

Re: Lifelock

Cakers1 — Thu, 10 Apr 2014 21:54:32 GMT

On 4/10/2014 focksie said:
Cakers, I think their service is not so much for when you know you've lost your wallet, but more for identifying a thief when you aren't aware of your identity being stolen or your personal info compromised. I was a victim of identity theft many years ago. I was totally unaware that someone had used my SSN to purchase a home clear across the country until I got a call from the FBI! I think LifeLock would be exactly the service for a situation like that.

focksie: That's horrible!!! We recently had a man put in jail because somebody stole his identity, warrants were out for other crimes, and the poor man spent a few day in jail until it was cleared up.

He now has a letter from the Sheriff's dept. he carries saying he's not that same guy!

I hope it didn't take long for your situation to get resolved. What a nightmare!

Re: Lifelock

wildcherry — Thu, 10 Apr 2014 21:57:51 GMT

Another company scaring the h*ll out of people in their commercials to make money. Not buying it literally.

Re: Lifelock

twinsister — Thu, 10 Apr 2014 22:06:14 GMT

On 4/10/2014 Cakers1 said:
focksie: Interesting but if I lost my wallet I'd be on the phone in a flash to contact cc and banks. Now there may be poor customer service at some banks, so Life Lock might be helpful. But I don't see having to use them to cancel your own cc, for example.

I guess it's good for those who don't know how to handle things on their own?

I did lose a cc once, called immediately, verified my last purchase, and had a new card/number in days.

cakers - that is exactly what we did - first he called the police and then we made calls to his cc and banks. Life Lock told us to make those calls and we told them we already had done that.I have been considering Life Lock, but after seeing what he had to do, I'm not sure if it is worth it.

His wallet was found the next day in a trash can in front of someone's house. This man noticed it and returned it to my boyfriend's job. Everything was there but the cash, so it was just someone looking for cash and nothing more thankfully.

Re: Lifelock

Cakers1 — Thu, 10 Apr 2014 22:10:24 GMT

twinsister: Thank goodness. We have alerts on our accounts, so I don't think Life Lock would matter one bit. Especially today - maybe years ago when we didn't have so many ways now to be notified Life Lock would be good to at least notify you.

Glad things worked out for your bf. (I think I said 'brother' before - lol).