Credit Monitoring Services Free For 30 Days Plus Get 15% Off
When it comes to your credit, it is important to be proactive. You want to monitor your credit reports every couple of months to make sure that there are no inaccuracies or issues. With inaccuracies, you want to make sure that everything is up to date, and you can contest things that you think are incorrect. It is important to remember, however, that changes can take a number of weeks to appear on your report. So, if you just closed an account two weeks ago, you should not expect that change to be reflected on your report just yet.
It is also important to check your credit reports to make sure that you have not been the victim of identity theft. When someone steels your identification information, he or she can use it to open accounts in your name and possibly ruin your good credit. For this reason, it is a good idea to invest in credit monitoring services that does the checking for you. These services will quickly catch any suspicious activity and report it to you.
One of the best credit monitoring services available is called LifeLock, and they go above and beyond simple credit monitoring services.
This deal is over on 11/30!
What It Is
LifeLock is a service that provides protection against identity theft. They do this by providing five points of protection: monitoring your identity, scanning for identity threats, responding to identity theft, guaranteeing their services, and tracking your credit score.
- Monitoring Your Identity
With monitoring, they keep a close eye on your identity, and they will even help remove you from credit mailing lists. You can easily monitor your reports with their online dashboard. LifeLock Ultimate also tracks public records and keeps track of any alternate names that you might have. With this service, you get a monthly report.
- Scanning for Identity Threats
When protecting you against identity theft, LifeLock will monitor criminal websites that sell other people’s personal information, and they will check for address changes, new credit applications, and new non-credit applications. With LifeLock Ultimate, you get the added benefit of having them monitor for payday loans, new checking accounts, and new savings accounts as well.
- Responding to Identity Threats
If an issue arises, LifeLock will contact you quickly to help you rectify it. With LifeLock Ultimate, they will even alert you when the contact information on your bank accounts changes. Both levels of service will help you cancel and replace your cards in the event of a lost or stolen wallet.
- Guaranteeing Their Services
LifeLock has a $1 million guarantee. This means that they will spend up to $1 million on you if your identity is stolen. This includes hiring lawyers, investigators, etc. You will have one LifeLock specialist there to help you through this process, and you receive identity theft insurance when you sign up. This insurance has no deductible, and you will be covered in the event of travel expenses, fraudulent withdrawals, document replacement fees, and more.
- Tracking Your Credit Score
LifeLock will also track your credit score from TransUnion every monthly, and you will get your annual scores from all three bureaus each year. You can log in and check your score whenever you want.
Is It Expensive?
LifeLock is actually quite affordable. They have three levels of service. The basic level is $10 a month or $110 a year provides the identity theft protection and the $1 million guarantee. The LifeLock Credit Score Manager provides their credit monitoring services for $14.95 a month or $165 a year. These two services can be combined. The Ultimate service provides all this and more for $25 a month or $275 a year.
Why You Need It
You might have read all this and still be wondering, why do I need something like this? You need something like this for your own protection. If someone opens a checking account in your name, you are not going to know it by looking at your credit reports. If someone opens a credit card in your name, you might not catch it for months. By that time, that person could have racked up hundreds if not thousands of dollars in charges.
LifeLock offers two main benefits: peace of mind and protection. First, you can rest easy knowing that someone else is doing the hard work for you. They will let you know if anything suspicious happens and contact you promptly. Second, if something does happen, they give you to the tools, resources, and support to be able to handle it. For example, you find a discrepancy on your credit report, and you dispute it, but the credit card company says “It’s in your name with your information.” What do you do? With a service like LifeLock, you have support available.
What Other People Are Saying
You will find that many people like this service, especially if they have encountered a problem. For example, some of the people who have LifeLock had trouble with identity theft, and LifeLock helped them resolve it. LifeLock doesn’t just help when someone opens a credit card in your name. One man, who used LifeLock, had someone create multiple cell phone accounts while another lady had someone apply for and cash a number of false checks. In all, this service protects you.
If all that wasn’t enough.. Remember you could always cancel after the 30 day trial period. I have a feeling you’ll enjoy the services.