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Your Two Cents: Have You Tried ID Theft Prevention Services?

A company called Lifelock has been getting a lot of attention for its generous and confident ID Theft Prevention plan.

Lifelock boasts a $1 million service guarantee that it will protect your identity and money. A membership costs about $110 a year and Lifelock works with credit bureaus to set free fraud alerts on your behalf, checks in with the bureaus every 90 days, requests that your name be removed from preapproved credit-card and junk-mail lists and offers a complicated identity monitoring package. Its motto is "We will do whatever it takes to help you recover your good name and we will spend up to $1 million to do it."

More than 65 percent of SavvySugar readers have had their credit information compromised before so I assume many of you have researched protection services. Have you tried any?

Source

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jdmxrain jdmxrain 8 years
I have Credit Keeper which gives you a 3-bureau credit report and scores, they also monitor it for you in case anything comes up and that's pretty much it. No one can really prevent identity theft, but I like keeping an eye on my credit so that's why I signed up for it.
Schaianne Schaianne 8 years
I think it's a waste of money. No matter what, there's still damage that's going to be done - it's not like they can stop a person from using your info to begin with. :(
SDTransplant SDTransplant 8 years
I'll stick to the free credit reports we're all eligible for once a year.
bluebellknoll bluebellknoll 8 years
I did because some cracked out meth-head broke into my house and stole all of my cc's, checks, account info and my ssn. For the next year I was getting calls from police stations across town telling me they caught some criminal who had some of my stolen property on them. Needless to say, I was paranoid! I do enjoy the quick access I had to my credit report and to check if any fradulent inquiries had been made. But I'm probably going to cancel it because I haven't had any troubles and it kinda seems like a waste of $.
bluebellknoll bluebellknoll 8 years
I did because some cracked out meth-head broke into my house and stole all of my cc's, checks, account info and my ssn. For the next year I was getting calls from police stations across town telling me they caught some criminal who had some of my stolen property on them. Needless to say, I was paranoid! I do enjoy the quick access I had to my credit report and to check if any fradulent inquiries had been made. But I'm probably going to cancel it because I haven't had any troubles and it kinda seems like a waste of $.
ilanac13 ilanac13 8 years
i've never used one of these services, but i do get monthly reports about my credit to see what's going on. i think that it's really important to know what inquiries are out there and what' on your record - so that's kind of how i keep tabs on things.
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