pandoraPremium
join:2001-06-01
Outland
kudos:1
3 edits | Score 1 for Lifelock **NM** |
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nonymousPremium
join:2003-09-08
Glendale, AZ Reviews:
 ·Callcentric
| Like you would not have found out about it sometime without lifelock.
Like a bank is going to go after a ten year old or less. Plus would a bank really want to admit they gave out credit to a fraudulent ID of a less than 10 year old. It would have been fixed eventually. Now pulling an occasional free credit report on all family members is a good idea. |
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pandoraPremium
join:2001-06-01
Outland
kudos:1
2 edits | **NM** |
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 Its a SecretPlease speak into the microphonePremium
join:2008-02-23
Da wet coast
kudos:3 | reply to pandora
Glad to hear it worked for you!
Just ignore the neighbourhood troll... |
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 La LunaSurvived AshrafulPremium
join:2001-07-12
Warwick, NY
kudos:3
·Vonage
 ·Optimum Online
| reply to nonymous
said by nonymous:Like you would not have found out about it sometime without lifelock. Like a bank is going to go after a ten year old or less. Plus would a bank really want to admit they gave out credit to a fraudulent ID of a less than 10 year old. It would have been fixed eventually. Now pulling an occasional free credit report on all family members is a good idea. Finding out after the fact is a little too late. Child identity theft is all too common, not sure why you don't know that.
"Fixed eventually"? By whom? Do you know what a nightmare it is to fix something like this?
--
Biden '05 On Nuclear Option: "I pray God when the Democrats take back control we don't make the kind of naked power grab you are doing."
14,954 DEADLY TERROR ATTACKS SINCE 9/11 |
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 dandelionPremium,MVM
join:2003-04-29
Germantown, TN
kudos:4 | reply to pandora
I signed up for one of those services once and they did nothing to help except send standard "advise" on what I could do that I could actually find on the web. Does Lifeblock actually do the work, and "fix" the problem? |
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 SteveI know your IP addressConsultant
join:2001-03-10
Yorba Linda, CA
kudos:5 | reply to pandora
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. |
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pandoraPremium
join:2001-06-01
Outland
kudos:1
1 edit | reply to dandelion
**NM** |
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 CabalPremium
join:2007-01-21
Austin, TX
·Suddenlink
1 edit | reply to pandora
FYI- Lifelock throws out fake alerts every year or two to keep you hooked on their subscription. Ask them for real, verifiable details on the event (meaning information they didn't already have from you). They won't give you any.
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Walmart saves the average family $3,100 per year, whether they shop there or not. |
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dandelionPremium,MVM
join:2003-04-29
Germantown, TN
kudos:4 Reviews:
·Comcast
1 edit | reply to pandora
(Edited due to original post change)
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Spare computer cycles can help find answers
Find A Cure!
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nonymousPremium
join:2003-09-08
Glendale, AZ Reviews:
·Callcentric
| reply to La Luna
said by La Luna:said by nonymous:Like you would not have found out about it sometime without lifelock. Like a bank is going to go after a ten year old or less. Plus would a bank really want to admit they gave out credit to a fraudulent ID of a less than 10 year old. It would have been fixed eventually. Now pulling an occasional free credit report on all family members is a good idea. Finding out after the fact is a little too late. Child identity theft is all too common, not sure why you don't know that. "Fixed eventually"? By whom? Do you know what a nightmare it is to fix something like this? "Having a credit agency call to collect a debt that isn't his, or a marshal serve a warrant to my child, is not the way I want to learn about identity misuse or protect my family."
You really need less paranoia and more of a sense of humour.
I have had fraud against credit cards. That is found out quick when either I notice it or the credit card company does.
Little blunders on my credit report. I can not say fraud but blunders. They gave me a supposed relative on my report who was no relation and did not know them. Just the same last name.
Forgot I had my own house and had me living with my parents.
I have had at least one check stolen in my life.
Just a few phone calls and fixed.
If someone put a false thing on my young sons credit just a few phone calls. Plus why would they ever send a marshall first. If they knew where you lived you would get a bunch of harassing creditor calls first.
To Its a Secret I just do not see being hauled off to the debtors prison version of a TSA handcuff room as a huge possibility of ever happening. I do keep at least a yearly check on my families credit. Or if I was expecting to purchase a car I check before applying for any loans etc.
Lifelock is ok just you can do everything they do yourself. The fraud is not removed just because it is Lifelock. You too can get fraud removed with only a phone call or two. If it went above a couple phone calls yes I may get irked but still nothing you can not do yourself. It is not magic and it is not because it is Lifelock.
If a bank lent money to my sons ssn and identity due to fraud all it would tell me is that bank obviously is not doing thorough checks. |
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pandoraPremium
join:2001-06-01
Outland
kudos:1
1 edit | reply to Cabal
**NM** |
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nonymousPremium
join:2003-09-08
Glendale, AZ Reviews:
·Callcentric
| reply to pandora
Here is part of what lifelock does. Still nothing you can not do yourself.
"Under the 2003 Fair and Accurate Credit Transactions Act, or FACTA, fraud alerts are available for free to any consumer who believes he may have been a victim of identity theft, or is at imminent risk of it. With a fraud alert on a consumer’s credit profile, banks and other businesses are required to make a reasonable effort to check with a consumer before opening a new line of credit in his or her name.
The consumer normally has to contact a credit reporting bureau directly to place the alert, and then repeat the process every 90 days for as long as the risk remains — a minor hassle that LifeLock and other companies have been happy to help consumers avoid, for a fee. On its face, the business model appeared consistent with FACTA, which allows fraud alerts to be placed by third parties acting on behalf of the consumer.
Read More »www.wired.com/threatlevel/2009/0···heQjSjOx
" |
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 Dude111An Awesome DudePremium
join:2003-08-04
USA
kudos:9 | reply to pandora
Its good to know they didnt accomplish anything! |
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pandoraPremium
join:2001-06-01
Outland
kudos:1
1 edit | reply to nonymous
**NM** |
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SteveI know your IP addressConsultant
join:2001-03-10
Yorba Linda, CA
kudos:5 | said by pandora: Tomorrow when I'm doing my daily business, someone at Lifelock who has knowledge, information and expertise in this area The highlighted-by-me part is the key here.
I happen to be smarter than most people, including almost everybody at LifeLock, but being smart is not always the most useful attribute in every situation.
Example: I'm smarter than Mike Tyson, but how's that gonna do me if I find myself in a boxing ring with him?
Experience trumps smart almost every day, and it trumps an independent spirit most of the time too. The folks at LifeLock are much smarter than me when it comes to the ins and outs of this area, and time will tell whether I'll be able to navigate my own ID theft experience. Maybe so, maybe not.
Anybody who says "LifeLock is a ripoff" is an idiot.
Anybody who says "LifeLock is not for me" is saying "I like chocolate, not vanilla", and can claim full membership among the decent people. |
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 Doctor FourMy other vehicle is a TARDISPremium
join:2000-09-05
Dallas, TX | reply to pandora
If you found their service useful, I would say it was worth it, despite what opinion naysayers may have about Lifelock.
I think the phrase 'your mileage may vary' applies here. Some may find the service they provide very useful, others not so. If it prevented even one identity theft attempt, it was worth it.
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"The trouble with computers, of course, is that they are very sophisticated idiots." - Doctor Who (from Robot)
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Wasn't lifelock severely curtailed recently?
»LifeLock Banned from Placing Fraud Alerts |
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 SnowymIRC unix.ro UnderNetPremium
join:2003-04-05
Kailua, HI
kudos:5
 ·Clearwire Wireless
·RoadRunner Cable
| reply to pandora
said by pandora:Today I got an email from Lifelock that someone was using my minor son's social security number and name on a credit application with a large bank. This came as an email alert. My son is not yet 10. After calling Lifelock, they indicated the application with the bank will be reported as fraudulent, and they will restore his prior credit status. The application was made today, the email came literally hours after the application was started. Anyone got any ideas on how LifeLock would have come across this fraudulent application in the first place?
It's been awhile since I've looked at them, but their main service then was placing a fraud alert with the major credit bureaus 4 times a year.
I'd appreciate it if anyone can answer how LifeLock would have access to either the "large bank(s)" records or the credit bureau's records to give the "heads up" to a client re fraudulent activity. |
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nonymousPremium
join:2003-09-08
Glendale, AZ Reviews:
·Callcentric
| reply to Steve
Never said it was a ripoff. What they do is search data records endlessly to see if they match their clients. I can not do that. However, even though I may have something to protect I take the risk of not using them. ID theft most often is a loss to the business who gave out the credit. The cleanup of the credit is the victims problem. For my savings of not paying lifelock I am taking a risk I may need to clean up my credit. Since I am broke and currently not self employed if cleaning up my credit takes a few months no big deal. Lifelock may catch things faster and maybe clean it up quicker. I just feel the cleanup part is not that difficult and if it does take time I do not constantly use my credit so no big deal. If I counted on perfect credit daily then maybe lifelock would be ok.
Plus since I have an annoying troll attitude the places I would have to call to fix any ID theft credit problems would probably expedite it so they would not have to be annoyed by me.  |
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