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Coupon Abbreviations
  • SC = Store Coupon
  • MC = Manufacturer Coupon
  • SS = Smart Source
  • RP = Red Plum
  • PG = Proctor and Gamble
Coupon Terms
  • WYB = When You Buy
  • B1G1 = Buy One Get One Free
  • .75/1 = 75 cents off one item
  • .75/3 = 75 cents off three items
  • EXP = Expiration Date

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LifeLock recently released a new product, LifeLock Ultimate.  I was already considering getting their service recently with a few close friends just having large issues from identity theft, so I spent some time this past week trying to see what’s new and what’s different over the basic service.

According to reviews from web safety folks there is a lot of praise for the new system as being the most proactive approach yet.

The basic system they have had for years would catch something after it happened and help you fix it (still a great help).  But the new Ultimate system now monitors your credit score and accounts 24/7 watching for any attempts to open new accounts and also watches for quickie payday loan fraud (supposedly biggest form of identity theft right now).  They also watch pubic record databases for address changes, new drivers licenses or other things people might try to do with your identity.

There are a number of other features, like the ability to cancel all your cards with one phone call if you ever lose your wallet and a constant look at your credit score.

I don’t know if I’m completely sold, as it is a little pricey, but… I was pleased to learn that right now they are offering a free 30 day trial.  If you decide to keep it, you’ll also get 10% off.

It took me about 5 minutes to started.    So far we there are a few things we’ve liked:

  • We got an email within the first day that we had been removed from the pre-approved credit card mailings.  Yay for less junk mail!
  • My husband learned that two people have his exact name and birthday that are not very good people.  This is a big help, we knew there must be someone with similar information because he has been held by airport security a number of times asking very random questions.
  • We got to see instantly our credit reports and scores.  We’ve also gotten one alert by email when they went up a few points.

Do you have any experience with LifeLock or identity theft?  I’d love to hear your thoughts and tips.

    • Llynphillips

      What is the cost?

    • Pigpen

      I have about the same thing thru Discover.  What does it cost?  I pay $13.00 a month and hear from them if there is any action.  I had a problem with a scam on my husband’s name and now am on fraud alert.  The credit bureau had the info and stopped it.  Flags went up and I got a letter asking for more info and they know the address to the application for credit.  I alerted them and nothing happened with me.  It got stopped, not approved.  Just had to go thru an agent that did not understand fraud or did not want to give me info on the fraudulent application, so got another person to talk to.  Outsource call centers somewhere someplace.  Whatever.  I was persistant and got the info and took care of things.

      • Jamesbrooke57

        Pigpen, does the Discover program just cover Discover card related security or all of the things that LifeLock covers?

    • AP

      If you look at the bottom of any credit card offers in most cases there is a number to call to opt of out those offers.  It’s free.

      They say a credit freeze is better than any of the services that life lock can offer.   Often it can be too late if someone else has already opened up an account in your n ame.  They can probably help fix things (which I heard can be a mess) so a credit freeze may be a better way to go.  There is usually a cost, but the security is rock solid.

    • DrMOMNC

      The credit freeze is free for our state (NC) and if you need to “unfreeze” you can call in or do online and in 15 minutes it is temporarily lifted. Free and absolute security.

    • Redgate77

      Lifelock can’t prevent or assist you for the #1 source of Identity Theft: in cases where your own SPOUSE signs your name to a charge or to a cashier’s check. This would be 1st degreee Forgery in other instance except between married “partners”. You are prohibited from seeking justice because of a law that prevents Interspousal Torts…other than divorce.  ‘Course he/she just “bankrupted” you, so lotsa luck gettin’ a lawyer dead broke. 

      Truth is stranger than fiction. GA marriage = license to steal.  

    • Jody

      I use Zander Identity Theft Insurance, it’s only 6.50 a month.

    • Sherry T.

      I have considered this service because in looking for a job I really did a crazy thing and went to craigslist for job post and I REALLY should have known better.  Though I though they company could have been using a employee service for hiring.  After contacting the supposed prospect job offer, I learned I had been scammed.  So, thehy potentiall had all my information without social to apply for credit in my name.  I contactac

    • Barb

      Payday loans are generally only an identity theft threat if one first applies for one. If you don’t apply for one (especially online), then the threat is not really there. For instance, even with the sketchy internet payday loans, you must provide your bank account number and password. THEN your identity is stolen.

      It’s quite simple…don’t get payday loans and don’t give out your bank password.

      As for these services, there are good and bad aspects. You can get a free credit report 3 times per year. Get your free annual credit report from each one of the 3 major bureaus but only one at a time.

      Monitoring a credit score would be maddening. They can change constantly and sometimes the reason is not that discernible.

      After a certain point (about 750), increasing your credit score makes very little difference in the rates you get.

      Further, some lenders/banks even have their OWN credit scoring system for new applications, which will never appear on a credit report.

      The subprime market is actually expanding, as many lenders realize that a lot of the poor/fair credit out there was caused by the economy. It’s the fastest growing segment of lending right now.

    • Birgit Gilbert

      how much does it cost?

    • T. Driggers

      I have ALWAYS wanted to join this…

    • T. Driggers

      YIKES. It is pricey, but would have peace of mind for sure. It costs $22.50 / month or $247.50 / year and 30 DAYS FREE. I believe the 10%  off is applied after this, so it would make it $222.75 or $18.52/month.

    • guest

      Don’t waste your money. Most of the services offered you can do yourself, you may have some through your existing accounts. A few small things such as a credit freeze and checking your accounts regularly will go far to protect you.

    • Chiefsangeleyes

      Head’s up…we use it. We LOVE it. But check site, enter info as if interested, but don’t sign up just yet. They will send you email with better deals or a pop up with better deal

    • Npharper

      We use Zander Insurance as well (or at least go through them… they contract out to an ID security company). Its $12.50 a month for my entire family. The best part is that they assign a case worker to your case if your identity is stolen. They do the work… not me.

    • Bl9765432

      If you Google a new company offers this service plus credit score and stuff for free by the way.

    • Anonymous

      These services are very bad use of money. I would seriously advise people against them. They are very pricey and won’t stop your identity from being stolen. I would compare credit monitoring to a smoke alarm, when what you really want is a sprinkler system – a credit freeze. It’s a one time fee and free if your identity is already stolen.

    • ChristineNearJax,FL

      Each credit bureau offers a credit freeze even if you haven’t experienced identity theft/fraud. There is a onetime fee ( can’t remember exactly, might be $15) and you can choose whether you want it for a certain time frame or indefinitely. The pros:1.   A thief applying for credit using your s.s. will be denied.   2.   You prevent any accounts from being opened in the first place because why pay a monitoring company to notify you after the fraud has been committed=more headaches trying to repair the problem  3.   Affordable. No monthly fees.  The cons: 1. When first applying it’s a hassle of having to make copies of proof of identity and mailing in with the form. 2.     When applying for credit or a loan first you must go online using your assigned pass code and unfreeze for that
      day although you can choose consecutive days in case you are shopping
      for a car loan.   3.   To do an unfreeze, each bureau charges a $10 fee so it’s best to find out first which bureau the financial institution/financial department uses.

    • Shannon Burns

      I actually have Lifelock because my military ID has the FULL SSN on it. Scary. Absolutely scary. There have been so many times where the bank has caught fraudulent charges. Lifelock was notified before the bank called me! No questions asked. Money was recinded, new card was issued. Yes I paid $10/mo for single coverage, but it was well worth the $10 month. I need to re-up and add hubby & infant daughter.

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