I remember a couple years ago the discussion on Identity Theft protection programs. Any suggestions on which company is best? Info on Identity Guard or LifeLock? Thanks
You can contact the three credit reporting agencies and have a lock put on your credit/social-security number yourself. If anyone tries to use your credit they will contact you just like lifelock does. They will charge a fee once like $50 to lock you credit if I remember what my hubby pays. Lifelock wants a monthly payment, but the actual reporting agencies will only charge you a fee once. The only thing is you have to call and have your credit/social unlocked everytime you want to apply for something. If you are not going to get any new credit cards or purchase anything by financing you can bypass lifelock and lock your credit yourself for a basic fee and not put out all that money monthly to an agency.
angelica - 2014-08-05 4:40 PM You can contact the three credit reporting agencies and have a lock put on your credit/social-security number yourself. If anyone tries to use your credit they will contact you just like lifelock does. They will charge a fee once like $50 to lock you credit if I remember what my hubby pays. Lifelock wants a monthly payment, but the actual reporting agencies will only charge you a fee once. The only thing is you have to call and have your credit/social unlocked everytime you want to apply for something. If you are not going to get any new credit cards or purchase anything by financing you can bypass lifelock and lock your credit yourself for a basic fee and not put out all that money monthly to an agency.
We've been very pleased with lifelock. My mom got it for us when we were kids and I still have it. Better safe than sorry.
We've got it for our toddler. My identity was stolen around the time I was five or so. I didn't find out about it until I turned 18 - needless to say, it took me YEARS to clear that up and rebuild my credit.
Identity theft protection.
