pandoraPremium
join:2001-06-01
Outland
kudos:1
1 edit | reply to tempnexus
Re: Score 1 for Lifelock **NM** |
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 AVDRespice, Adspice, ProspicePremium
join:2003-02-06
Onion, NJ | said by pandora:My case has been resolved, it took 2 business days. It should have been resolved immediately, when the reporting bureau realized that the SSN was not on file.
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standard disclaimers apply. |
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pandoraPremium
join:2001-06-01
Outland
kudos:1
1 edit | **NM** |
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 CabalPremium
join:2007-01-21
Austin, TX
 ·Suddenlink
| reply to pandora
said by pandora:My case has been resolved, it took 2 business days. The most annoying part for me is there will not be any criminal prosecution. I'm relieved that my child has been protected, but very annoyed that someone tried to exploit and steal from him. Kinda tough to prosecute someone that doesn't exist.
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Walmart saves the average family $3,100 per year, whether they shop there or not. |
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AVDRespice, Adspice, ProspicePremium
join:2003-02-06
Onion, NJ | said by Cabal:said by pandora:My case has been resolved, it took 2 business days. The most annoying part for me is there will not be any criminal prosecution. I'm relieved that my child has been protected, but very annoyed that someone tried to exploit and steal from him. Kinda tough to prosecute someone that doesn't exist. for all you know it was a typo in filling out or transcribing the information from an otherwise legitimate transaction.
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standard disclaimers apply. |
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 SteveI know your IP addressConsultant
join:2001-03-10
Yorba Linda, CA
kudos:5 | said by AVD: for all you know it was a typo in filling out or transcribing the information from an otherwise legitimate transaction. said by the OP :
minor son's social security number and name on a credit application Though anybody can transpose a coupla digits in a SSAN, attaching the proper name to it seems unlikely. |
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 SnowymIRC unix.ro UnderNetPremium
join:2003-04-05
Kailua, HI
kudos:5
·RoadRunner Cable
 ·Clearwire Wireless
| reply to pandora
said by pandora:My case has been resolved, it took 2 business days. The most annoying part for me is there will not be any criminal prosecution. I'm relieved that my child has been protected, but very annoyed that someone tried to exploit and steal from him. Considering the age of your son & the fact that his name/SSN is already in use by the bad guys I suggest you consider having a new SSN issued to him.
A new issued SSN can bring problems of it's own but not close to the trouble that a life filled with ID theft issues will bring.
I hope you have filled out a police report detailing the incident.
The SSA will usually require more proof than "Lifelock said..."
to determine that an SSN has been used fraudulently.
The young age of your son makes him a great candidate for a new SSN.
re the determination that there will be no criminal prosecution in the matter only gives me more reason to have doubts about the veracity of the information that's being provided to you.
An awful lot of events have been put into a time line of 2 days.
1. Commission of crime
2. Lifelock alerting to the crime
3. Credit bureau records amended
4. Criminal investigation begun & concluded.
5. DA's final opinion to not pursue the matter.
Regardless of the accuracy of the information your receiving, my final message on the matter is centered on the welfare of your son's future using a compromised SSN. Apply for a new SSN for your son & have a police report filed to back up the request.
said by pandora:I'm a long term member of this board with many thousands of posts. I hope none of that was pointed anywhere in my general direction.
I have nothing but 100% respect for your credibility. |
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PX EliezerPremium
join:2008-08-09
Hutt River
kudos:12 Reviews:
 ·voip.ms
·callwithus
·Callcentric
·Vitelity VOIP
·Optimum Voice
·Gizmo5
| reply to pandora
said by pandora:IF you think that the credit bureau is showing all users of your social security number, or is reporting on all users of your social security number, you are sadly mistaken. IMO the credit bureaus will not alert you to a direct misuse of your social security number, but instead will only alert you to changes made that match your name and address plus social security number. Personally I don't believe their products are all that valuable. This matches exactly with what I have read.
Thanks, Pandora, for your post. |
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 EGeezerSummertimePremium
join:2002-08-04
Midwest
kudos:7
·Callcentric
| reply to pandora
Re: Ancient redacted thread It's unfortunate that you removed your post information. This was a good discussion that might have provided information for future readers.
Those who are subscribers may be getting some cash in a settlement. See article dated March 10 2010;
LifeLock will pay $11 million to the FTC and $1 million to a group of 35 state attorneys general to settle charges that the company used false claims to promote its identity theft protection services. The FTC will use the $11 million it receives from the settlements to provide refunds to consumers. The FTC will be sending letters to the current and former customers of LifeLock who may be eligible for refunds under the settlement, along with instructions for applying. Customers do not have to contact the FTC to be eligible for refunds.
Details of the refund program have not yet been made available by the FTC. Up-to-date information about the FTC's refund program will be posted at www.ftc.gov/lifelock or may be obtained by calling (202) 326-3757.
»www.privacyrights.org/lifelock-c···from-ftc
Also see the FTC notice at
»www.ftc.gov/lifelock
I still believe that for those who want a service to do the credit report checks, fraud alerts etc themselves, go for it. Just be sure to confirm what they provide, what you may need to do and what limitations the services may have.
For those who want to do it yourself, keep current on laws and procedures and know what you're doing and what results you will get from your actions. Have a calendar to remind you when it's time to request reports etc. You, too, still need to review and audit your statements and accounts.
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The greatest dangers to liberty lurk in insidious encroachment by men of zeal, well-meaning but without understanding. -- Justice Louis D. Brandeis |
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SnowymIRC unix.ro UnderNetPremium
join:2003-04-05
Kailua, HI
kudos:5 Reviews:
·RoadRunner Cable
·Clearwire Wireless
| said by EGeezer:I still believe that for those who want a service to do the credit report checks, fraud alerts etc themselves, go for it. Just be sure to confirm what they provide,... I'll expand that by suggesting that you not only carefully check just what it is that Lifelock is providing for $120.00 yr before signing up, but also independently verify any alert information provided by Lifelock with queries to Equifax Credit Information Services, Inc., Trans Union LLC and Experian Information Solutions, Inc. as well as having a police report document the alleged fraudulent activity. |
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 CudniLa Merma - VigiladoPremium,MVM
join:2003-12-20
Someshire
kudos:13 | reply to EGeezer
said by EGeezer:This was a good discussion that might have provided information for future readers. Indeed. Makes the discussion a bit lopsided but still plenty of good info left in.
Cudni
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"what we know we know the same, what we don't know, we don't know it differently."
Help yourself so God can help you.
Microsoft MVP, 2006 - 2009 |
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EGeezerSummertimePremium
join:2002-08-04
Midwest
kudos:7 Reviews:
·Callcentric
| said by Cudni:said by EGeezer:This was a good discussion that might have provided information for future readers. Indeed. Makes the discussion a bit lopsided but still plenty of good info left in. Cudni I kinda wondered why OP retracted all the positive comments and defenses. Perhaps there were inaccuracies in the posts.
Or, it could be that OP received some followup information that changed the glowing evaluation of Lifelock's performance. I'm assuming it was the latter.
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The greatest dangers to liberty lurk in insidious encroachment by men of zeal, well-meaning but without understanding. -- Justice Louis D. Brandeis |
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CudniLa Merma - VigiladoPremium,MVM
join:2003-12-20
Someshire
kudos:13 | said by EGeezer:I kinda wondered why Slightly disappointing behaviour too
Cudni |
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nonymousPremium
join:2003-09-08
Glendale, AZ Reviews:
·Callcentric
| reply to PX Eliezer
Re: Score 1 for Lifelock said by PX Eliezer:said by pandora:IF you think that the credit bureau is showing all users of your social security number, or is reporting on all users of your social security number, you are sadly mistaken. IMO the credit bureaus will not alert you to a direct misuse of your social security number, but instead will only alert you to changes made that match your name and address plus social security number. Personally I don't believe their products are all that valuable. This matches exactly with what I have read. Thanks, Pandora, for your post. said by PX Eliezer:said by pandora:IF you think that the credit bureau is showing all users of your social security number, or is reporting on all users of your social security number, you are sadly mistaken. IMO the credit bureaus will not alert you to a direct misuse of your social security number, but instead will only alert you to changes made that match your name and address plus social security number. Personally I don't believe their products are all that valuable. This matches exactly with what I have read. Thanks, Pandora, for your post. If my credit looks good to me and the other users are separated from my view how does it affect me? Just would like to know.
Do they report different to say a car dealer looking to sell me a car. Eric's use of the SSN looks good and we would sell him a car ; however, the Ted user of the SSN is bad so you should be careful and raise Eric"s rates also?
If the users are separate and they are not shown to me and my credit looks clean and accurate do they report different to potential lenders.
Also on the same topic does the government keep the users separate also. So my job record and social security benefits when they send out the free updates look accurate but when it come time to retire if social security is around they split between all the users of the SSN even though they have kept it separate and accurate up until then? |
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 VampirefoPremium,MVM
join:2000-12-11
Huntington, WV
kudos:1
1 edit | reply to EGeezer
Re: Ancient redacted thread I think the latter also, plus it was best coarse of action for OP no sense praising a bad company.
I never heard of Lifelock until OP's praise of them, then the more I read about Lifelock the less I wanted to know about them. I am really surprised Lifelock has one paying customer.
I did find this article the most humorous.
»abclocal.go.com/wls/story?sectio···=7321435
at the bottom of the article.
"As for Todd Davis, the CEO of Lifelock who plastered his Social Security number on the side of the truck-- after the commercials aired, he became a victim of identity theft."
Now if the ceo of Lifelock can't protect his own ssn, how the heck does anyone expect Lifelock to protect their ssn.
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Best Regards
Vampirefo
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SnowymIRC unix.ro UnderNetPremium
join:2003-04-05
Kailua, HI
kudos:5 Reviews:
·RoadRunner Cable
·Clearwire Wireless
| reply to Steve
Re: Score 1 for Lifelock said by Steve:To those who say you can do all of this yourself: that's perfectly correct. I'd like to start a list of all the other things you can do yourself if you put your mind to it: * mow your own lawn * clean your own house * change your oil * grow herbs in your garden / in your windowsill * drive to the store every morning to buy a newspaper * unclog your own toilet * file your own divorce papers There are many people who do in fact perform these tasks for themselves - "brain surgery" is not on that list - but not everybody is comfortable with every task in life, and many choose to resolve a time-vs-money tradeoff differently. I haven't chosen to use these LifeLock services even though I've had my wallet stolen and had cards used fraudulently, because I'm comfortable taking care of this aspect of my life myself. That's just me. But even though I know how to change my own oil, I would rather pay somebody else to do it. That's just me. When it comes down to it, those who say "You could do this yourself" are really just trying to brag and be thought of as clever and self-sufficient. I predict that onlookers have a less complimentary view. I don't believe your list of 'do it yourself' items is fair as it relates to purchasing or not purchasing services such as Lifelock.
First, if you drive 8k miles per yr (as I do, on flat roadways) & my mechanic says i should change my oil every 30 days doesn't mean that my mechanic isn't taking me on a ride of his own just because "oil changes" are a documented necessity of proper car maintenance.
That bring me to 'consequences' of not performing the items you used as comparisons.
The first 3:
* mow your own lawn
* clean your own house
* change your oil
1. There are 'guaranteed' real world consequences for not
having your lawn mowed whether by yourself or not (a jungle, instead of a yard)
2. Having your house cleaned by yourself or someone else (consequences are obvious)
3. Changing your oil by yourself or contracting to have someone do it for you. (loss of performance or engine itself)
The herb thing might be the most relevant comparison to Lifelock type services.
What's the consequences of not growing your favorite herb on the sill?
I don't believe there are any guaranteed 'real' consequences to not growing your own herb. It's a matter of convenience & possibly a source of satisfaction, but just as services such as Lifelock, it's a totally optional service that hasn't a guarantee of imminent doom for failure to purchase the service.
I get your point that value is in the eye of the beholder, but purchasing a subscription to Lifelock is not comparable to not having your house cleaned as it relates to consequences & that's relevant because the whole argument of +Lifelock or -Lifelock often seems to be centered around the consequences of not buying into Lifelock's $120+ yr subscription service.
"When it comes down to it, those who say "You could do this yourself" are really just trying to brag and be thought of as clever and self-sufficient."
There's a big difference between expressing one's opinion & just trying to brag and be thought of as clever and self-sufficient. I know you too well to believe that was meant to quell opposing viewpoints |
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SteveI know your IP addressConsultant
join:2001-03-10
Yorba Linda, CA
kudos:5 | In my bullet list, you were focusing on the verb and not "your own"; in no case was I suggesting any debate over whether those things had to be done or not.
Instead, it's about whether you do them yourself or whether you hire it out or not. |
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SnowymIRC unix.ro UnderNetPremium
join:2003-04-05
Kailua, HI
kudos:5 Reviews:
·RoadRunner Cable
·Clearwire Wireless
| said by Steve:...in no case was I suggesting any debate over whether those things had to be done or not. It must have the comparisons themselves that gave me the impression you were comparing the services as equally necessary.
I thought the herb comparison was right on.  |
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| reply to pandora
I think the company might have done what is said it done for pandora.
he might be just sick or arguing his case.
Or he might have indeed discovered that all those "Your sons ID is in danger, RUN FOR THE HILLS and let us provide the shovel" reports were just bait to keep renewing the subscription.  |
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AVDRespice, Adspice, ProspicePremium
join:2003-02-06
Onion, NJ | reply to pandora
NM = no more or nevermind? |
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