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LifeLock Identity Theft Protection Review


Rating: 9.5 / 10 (Excellent)
13 Customer Comments & Reviews - see all comments
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LifeLock is a trusted service that provides high quality personal information protection. It does not only notify you when things go wrong, but also gives assistance in resolving the issue. Creating an account is so easy it could be done in a few minutes. LifeLock also comes with a Million Dollar Protection™ Package (MDPP) for costs incurred when reclaiming your personal identity.

LifeLock Review

What does it protect?

LifeLock Ultimate Plus ($29.99/ month or $329.89/ year)

Your bank accounts and credit are a gold mine for identity thieves. LifeLock Ultimate Plus™ service gives you some peace of mind knowing you have LifeLock’s most comprehensive identity theft protection. Enhanced services include alerts for new bank account applications, attempts to take over existing accounts, online credit reports and credit scores.

LifeLock Ultimate Plus protection provides these important benefits:

  • Checking and Savings Account Application Alerts

    • Continuously searches for your personal information in new bank account applications.

  • Bank Account Takeover Alerts

    • Monitors existing checking and savings accounts for changes to your identity data or attempts to add new account holders.

  • Investment Account Activity Alerts

    • Reviews your investment account activity and gets alerts to help detect fraudulent cash withdrawals. 

  • Credit Inquiry Alerts

    • Issues alerts for credit inquiries when someone submits a credit application using your identity information.

  • Online Annual Credit Reports

    • Online access to your annual credit reports from all three primary bureaus so you can see the details of your credit history.

  • Online Annual Credit Scores

    • Online access to your annual credit scores from all three primary bureaus so you can better understand how lenders evaluate your credit worthiness.

  • Monthly Credit Score Tracking

    • Monthly single bureau credit score tracker to help you identify important changes.

  • File-Sharing Network Searches

    • Actively monitors music, photo and data file-sharing networks for exposure of your personal information.

  • Sex Offender Registry Reports

    • Notifies you when sex offenders have moved into your zip code and compiles a report to determine if a sex offender has listed your address to avoid detection.

  • Priority Live Member Support

    • Jump to the front of the line and speak with a representative from the 24/7 Live Member Support line. Identity Protection Agents can help with questions or claims. Just call 1-800-LifeLock.

LifeLock Ultimate Plus protection also provides these additional benefits included in other LifeLock services:   

  • LifeLock Identity Alert® System

  • Lost Wallet Protection‡‡

  • Address Change Verification

  • Black Market Website Surveillance

  • Reduced Pre-Approved Credit Card Offers

  • Fictitious Identity Monitoring

  • Court Records Scanning

  • Data Breach Notifications

  • Credit Card, Checking and Savings Account Activity Alerts

  • Certified Resolution Support

  • Million Dollar Protection™ Package (MDPP)

LifeLock Advantage ($19.99/ month or $219.89/ year)

LifeLock Advantage™ service provides enhanced identity theft protection beyond financial and credit fraud. They search for falsified court records containing your personal information to help you avoid arrest for crimes you haven’t committed, monitor for fictitious identities using aliases with your Social Security number and alert you of potentially fraudulent credit card activity.

LifeLock Advantage protection provides these important benefits:

  • Fictitious Identity Monitoring
    • Scans for names and addresses connected to your Social Security number in public and credit databases so you can confirm whether the activity is fraudulent.
  • Court Records Scanning
    • Checks court records for matches of your name and date of birth to criminal activity.
  • Data Breach Notifications
    • Informs you of publicly reported large scale security breaches so you can take action to help protect your personal information.
  • Credit Card, Checking and Savings Account Activity Alerts
    • Review your credit card, checking and savings account activity. Get alerts to help detect fraudulent transactions.
  • Online Annual Credit Report
    • Online access to your annual credit report so you can see details of your credit history.
  • Online Annual Credit Score
    • Online access to your annual credit score so you can better understand your credit worthiness.

LifeLock Advantage protection also provides these additional benefits included in other LifeLock services:   

  • LifeLock Identity Alert® System
  • Lost Wallet Protection‡‡
  • Address Change Verification
  • Black Market Website Surveillance
  • Reduced Pre-Approved Credit Card Offers
  • Live Member Support
  • Certified Resolution Support 
  • Million Dollar Protection™ Package (MDPP)

LifeLock Standard

LifeLock Standard™ identity theft protection uses innovative monitoring technology and alert tools to help proactively safeguard your credit and finances. If identity fraud does occur, an Identity Restoration Advocate will personally manage your case.

LifeLock Standard membership includes:

  • LifeLock Identity Alert® System
    • The patented LifeLock Identity Alert® system monitors over a trillion data points for fraudulent attempts to use your Social Security number, name, address or date of birth in applications for credit and services. The system lets you know about threats to your identity by text, phone or email.**
  • Lost Wallet Protection‡‡
    • Quickly cancels or orders replacements for credit or debit cards from a lost or stolen wallet to help stop fraudulent charges before they occur.
  • Address Change Verification
    • Notifies you if LifeLock detects a change of address associated with your personal information so you are alerted if thieves try to divert your mail.
  • Black Market Website Surveillance
    • Patrols over 10,000 black market websites for the illegal sale of your personal information.
  • Reduced Pre-Approved Credit Card Offers
    • Requests your name be removed from pre-approved credit card mailing lists for increased security.
  • Live Member Support
    • U.S. based Identity Protection Agents are available to help with questions or claims. Just call 1-800-LifeLock.
  • Certified Resolution Support
    • If you become a victim of identity fraud, an Identity Restoration Advocate will personally handle your case and help restore your identity.
  • Million Dollar Protection™ Package (MDPP)
    • As a LifeLock member, if you become a victim of identity theft, LifeLock will spend up to $1 million to hire experts to help your recovery.

LifeLock Junior

Your child’s clean credit file is a gold mine for identity thieves. LifeLock Junior™ protection helps proactively safeguard your child’s personal information with a combination of advanced monitoring features uniquely designed to help protect children from identity theft.

LifeLock Junior™ membership includes:

  • LifeLock Identity Alert® System† 
    • The patented LifeLock Identity Alert® system monitors over a trillion data points for fraudulent attempts to use your child’s Social Security number, name, address or date of birth in applications for credit and services. The system lets you know about threats to your child’s identity by text, phone or email.**
  • Credit File Detection
    • Monitors your child’s Social Security number to detect credit information associated with your child’s identity.
  • Black Market Website Surveillance
    • Patrols over 10,000 black market websites for the illegal sale of your child’s personal information.
  • File-Sharing Network Searches
    •  Actively monitors file-sharing networks for exposure of your child’s personal data.
  • Live Member Support
    • U.S. based Identity Protection Agents are available to help with questions or claims. Just call 1-800-LifeLock.
  • Certified Resolution Support
    • If your child becomes a victim of identity fraud, an Identity Restoration Advocate will personally help restore your child’s identity.
  • Million Dollar Protection™ Package (MDPP)
    • If your child becomes a victim of identity theft, LifeLock will spend up to $1 million to hire experts to help their recovery

†Network does not cover all transactions.

** Fastest alerts require member’s current email address.

‡The benefits under the 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 at LifeLock.com/legal.

Service Guarantee benefits for State of New York members are provided under a Master Insurance Policy issued by State National Insurance Company. Benefits for all other members are provided under a Master Insurance Policy underwritten by United Specialty Insurance Company. Under the Service Guarantee LifeLock will spend up to $1 million to hire experts to help your recovery. Please see the policy for terms, conditions and exclusions at LifeLock.com/legal.

Services

Monitoring Yes         
Fraud Alerts Yes
Credit Freeze Gives assistance
Reimbursement Insurance Yes, Million Dollar Protection™ Package (MDPP)
Resolution Gives assistance
Restoration Gives assistance

 

Features

 

Credit scores instant access to Transunion credit scores any time
New bank account alerts notifies you when any bank accounts are opened in your name
Personal account monitoring checks your personal bank account information and notifies any changes
Prevents pre-approved credit listing no more unsolicited credit offers
Network tracking  checks global networks for sites offering file-sharing
Alerts get instant notification when your personal identity is under attack or used without permission
Lost wallet protection get help in cancelling lost credit cards
Credit bureau reports get reports from the top 3 bureaus
Million Dollar Protection™ Package (MDPP) coverage for lost wages and costs when recovering your personal identity
Criminal website monitoring checks known websites trading or selling your personal information
Change in address notification alerts you for any address changes on your personal accounts
Resolution offers assistance in resolving cases of credit fraud or personal identity theft

 

*** Interesting features offered by LifeLock include checking sites known for selling and trading personal information. LifeLock Unlimited also provides information on sex offenders, court records, payday loans and public records. By having access to this information you are able to verify that your name is not being used by criminals for unlawful activities.

 

Prices

LifeLock Ultimate Plus ($29.99/ month or $329.89/ year)

LifeLock Advantage ($19.99/ month or $219.89/ year)

LifeLock Stadard

LifeLock Junior

Customer Reviews

Customer reviews about LifeLock have been overwhelmingly positive. LifeLock has also been given an A+ from BBB Ratings, a company that monitors customer experience and government actions against a company.

Bottom Line

LifeLock offers solid personal identity protection with its numerous features but their basic plan lacks some of the features that other identity protection services offer in their entry plans. It offers extra protection for your personal data by storing this information on a separate secure server. Customer service is also an added plus with their 24/ 7 live assistance. This ensures that you don’t only get real time information when your personal identity is compromised, but you could also respond to this threat instantly.

 


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13 Customer Comments & Reviews

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ray V
Northridge, California
9/9/2017
I was with Lifelock for several months because I was getting preapproval from banks and lenders. So eventually I bought and applied for new bank account from the lender. Then changed my address when I moved to the new house . To my disappointment, lifelock never ,never even I single text, message, or phone call that alerts me on my credit changes, address. and the new bank acct. Lifelock is a scam and don't fell on the trap. Its a waste of money. I called customer service and they said they can't monitor your life's events. Bunch of ripoffs. Ray V


J
John
Denver, Colorado
8/14/2017
Lifelock supports Rush Limbaugh and the KKK. These people hate you, your family, and everything good in America. One Lifelost so far: Heather Heyer


D
Dennis
Pennsville, New Jersey
8/13/2017
I have opened bank accounts and credit cards and LifeLock has not sent me notifications or even a message in with my monthly report that has stated " No fraudulent activity detected" for years. I complained that I was not receiving alerts and the next credit card I opened I received an alert. That was several years ago. I bought a car a couple of weeks ago. I also acquired an auto loan. I never received an alert and there is no alert on my account on the web site. I sent a message to cancel my account. I have no faith in their service and I wonder if I would get any help if I really needed it. Also, they want you to pay extra to get your credit report. I feel I have wasted my money.


Denese M
Crockett, Texas
4/8/2017
I've been with them for almost three years. I lost my wallet with all my debit and credit cards, check book and cash. An agent stayed on the phone with me for four hours making all contacts to my financial institutions. Another agent arranged a warm hand-off so I could be given instructions regarding filing a claim. Each time there is a transaction on the accounts listed in my profile I receive a notification. When there is a credit inquiry I receive notification. I get the service I am paying for.


J
Juan C
Miami, Florida
3/27/2017
Someone tried to open a line of credit using my social security and DOB. It was never picked up by LifeLock. When I called to inform them so they could check if there were other inquires on my credit. They asked my for my password which I did not remember and gave them a wrong one. They locked my account. I tried to unlock it several times by requesting my Username and Password over the internet without success. They asked me to fax some documentation to the document department which I have done twice and still my account is locked. They do not assign you an agent to resolve the problem so every time you call you get someone different and have to go over everything again. The customer... Read More


T
T R
Birmingham, Alabama
3/26/2017
I have had LifeLock for years... I used to get notifications from them when I would apply for any new accounts, address change, etc... Now I get nothing from them... After an address change, I got nothing and called them and they said that I needed to upgrade, then "activated" my notifications to work, the same ones that worked before, and said it should be fine now... After opening a new credit card, still not alerts... I am canceling them... I have AAA Protect my id as part of my AAA service and get notifications instantly from them on the situations I described above... LifeLock used to work, but doesn't seem to anymore...


J
Jim W
Austin, Texas
3/19/2017
I've tried Lifelock for 2 different times now and it's unfortunately been a complete failure. The 1st time, I had an identity theft case in the first 60 days and they never caught it. My recent experience now is the website and the app neither one would work. They must spend 40 hours a week doing system maintenance and you can never login. Also, they tried to bill me in the 1st week and it was supposed to be free. You'll be much better off monitoring it yourself! Avoid at all costs!!!!


Robert R
Moncks Corner, South Carolina
12/15/2016
The app does not do what they charge you for


C
Cheryl A
Yakima, Washington
11/20/2016
I signed up for a free trial because of suspicious things in my accounts. So far all they did was take important personal information. I haven't been able to access any information to see if I have a problem. I've called three times to get help and nothing has been done. For all I know they could be the criminals because they have all my info. It's been over a week since I signed up.


C
Cynthia W
Delaware, Ohio
10/22/2016
Acquired Life Lock after receiving a notice that my information had been part of a theft of data from a medical insurance company. I had heard it was good and so decided to accept the rather high fee of $25/month. Received an alert of a credit inquiry. when I called, I was told often credit card companies will do this to see if they can offer a higher credit line. I asked for further investigation and was told someone would contact me. Never heard and went on with my life. I finally cancelled and now received a letter from Citibank about a recently opened account that looked suspicious. Life Lock's error. I found the Life Lock system difficult to maneuver and perhaps too big to care about... Read More



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9.5 / 10
  • $1M Total Service Guarantee*
  • Black Market Website Surveillance
  • Reduced Pre-Approved Credit Card Offers
  • 10% Off for the First Year
  • Lifelock Advantage Renews at $19.99