LifeLock Promo Code – 9

Fraud Alerts were created by the Fair Credit Reporting Act (FCRA) that was passed on December 4, 2003. It went into effect on 1/1/04.

The FCRA established the right for any consumer to  to request a fraud alert for 90 days at a time. It requires one call to one of the credit bureaus, Equifax, Experian or TransUnion. Whichever one you call is required to notify the other two about your fraud alert request.

Any new creditor has a duty to honor your fraud alert. This means any business wanting to give you a loan or line of credit (like a credit card or home equity loan) needs to call you and ask for your authorization in person. They are to call you at the number you provided when you placed the fraud alert.

The concept of a fraud alert is to stop an identity thief in his tracks from opening a new line of credit with your information.

The alert expires after 90 days and needs to be renewed if you want your protection to continue. The exceptions to the 90 day rule are active military personnel or identity theft victims. An active duty alert will last for 12 months. An identity theft victim can place a fraud alert that will last for 7 years provided they have filed the required affidavits with the FTC.

Will a fraud alert make it hard for me to get new credit?

No, it won't make it hard to get credit. It will just slow down the approval until you're contacted in person. The main type of credit you won't be able to get is the 'instant' credit approval. You've heard the offers many times at stores. They sound like this, "If you apply for our Visa card today, you'll save 10% on your purchase."

Identity thieves LOVE instant credit. It's one of their main ways to rip you off, well, instantly before you even realize you're a victim.

Fraud alerts are free and easily done by phone or online. You do need to remember to renew them every 3 months. You won't find the credit bureaus advertising them or reminding you to renew because they can't turn a profit with them. They would rather sell you credit monitoring which only alerts you AFTER someone opened an account in your name.

Fraud alerts aren't a perfect solution to identity theft because they don't require a new creditor to call you – only request that they comply with the law. However, they're the best solution we've been given so far.

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LifeLock has a media blitz happening. They're trying to let the entire US know about their company and the real danger of identity theft. Most of us are still living in the 20th Century thinking identity theft is rare. It's a problem because Baby Boomers think they're still in the 80's and the Generation Y's aren't paying attention to anything right now besides themselves and their social networks.

The X's, well, they're busy raising kids and making a living…

Someone has to shake us out of our little dream world of safety and tell us that identity theft is real. It's happening. And it's only going to get worse.

LifeLock's commercials and ads have shocked us out of our cocoon because their CEO is so willing to publish his social security number in HUGE letters anywhere he can. Up to now, we've believed we can keep our identity safe by shredding our statements, junk mail and any personal info. We carefully put our social security cards in a safe, secret place in our house. Memorize our PIN numbers and shield the touch pad when we use our debit cards. OK – we're safe. Right??

Unfortunately, it ain't so. Identity thieves have found the BIG payday in hacking or stealing computers with lists of thousands of identities. It's quite a well-paying and safe job. So safe in fact that it's surpassed drug trafficking as the crime of choice.

So no matter how safe we keep our personal data, it's still out there. Todd Davis proved that to us by telling us his social security number is 457-55-5462. GASP….

So if he's willing to do that, you have to believe that his company can protect you. And if it can't, you've got his word that LifeLock will do whatever it takes to fix your identity and restore your credit. He looks you in the eye and says that. I haven't seen any other identity theft protection company's officers do that.

Is it a gimmick?

Who cares? He does it anyway and stands behind his company with full faith that they're the best.

So, what's so great about LifeLock?

They've made us more aware of the problem of identity theft. They even tell us that we can protect ourselves for free if we want to. It's all over their website. Take them up on their offer to help you or not, they still have done us a service by making us realize that identity theft CAN happen to anyone.

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Identity theft on children is growing by leaps and bounds. Thieves have figured out how easy it is to steal a child's identity and not get caught for years and years.

Your child's name, date of birth and social security number are in files at daycares, pediatrician's office, dentists, schools, etc. For too long, social security numbers have been used for identification purposes – they were even printed on every report card. Now they're used by thieves and hackers to steal identities. No matter how careful you are, you just can't control every place that already has your child's personal info.

Our children need protection now more than any other time in modern history. Keeping our children safe gets top priority.

Identity theft doesn't physically harm your child. But it does harm them financially by ruining their credit at just the time when they're starting out on their own. All children deserve a nice clean slate to begin with. Not one that's been marred by identity thieves.  Imagine the mental pain that your child would feel if (s)he applied for a student loan only to be told (s)he's already a deadbeat in the credit world.

LifeLock enables “locks” by setting and automatically renewing fraud alerts with the major credit bureaus, removing member names from pre-approved credit card offers and junk mail lists and guaranteeing the service with a $1 million service guarantee. Recently, LifeLock added an additional service to all clients – free of charge – called WalletLock. WalletLock works to cancel and replace all documents and personal identifying information inside a wallet if it's lost or stolen.

An additional feature of the child's plan is LifeLock will request a Social Security Earnings Report to be mailed to you. This will alert you to anyone using your child's SSN illegally. They also check twice a year to confirm that no consumer report has been created that matches your child's information.

You can get LifeLock's superior protection for your child for only $2.25 a month when you enroll yourself in the plan for $9 a month. You'll get your first 30 days FREE as a trial to make sure you're happy with their plan.

Claim your discounted price and get LifeLock now.

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LifeLock continues to be the identity theft protection of choice. Founder's Bank in Illinois has given their stamp of approval and is now offering it to their customers.

LifeLock's protection comes with a $1 million total service guarantee that if your identity is stolen while one of their customers, they will identify, retain and pay for qualified professionals to restore your good name. That's a promise – you'll never be left on on your own to clean up the mess created by identity theft.

Get protected now BEFORE your identity is stolen. No matter how careful you are to protect your personal information, security breaches happen every day with 2007 setting a record high.

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Fifth Third Processing Solutions has selected LifeLock as the identity theft prevention tool for its financial institution clients.

LifeLock's CEO, Todd Davis, said, "Our relationship with Fifth Third Processing Solutions allows us to work together to provide an affordable, preventative tool for Fifth Third Processing Solutions' financial institution clients and their customers who are concerned about the nation's fastest growing crime – identity theft." Mr. Davis is widely known as the CEO who publishes his social security number on the side of a truck and drives it around New York City.

Fifth Third Bank Processing Solutions processes over 21 billion ATM and POS transactions per year for more than 2,400 financial institutions and over 154,690 retail locations worldwide. They process $148.1 billion in credit card sales each year.

Security breaches and hackers are a growing threat that has no end in sight. Fifth Third has chosen LifeLock identity theft protection as the best solution for their customers and employees. "As we continue to deliver the solutions best suited for our valued financial institution processing partners, the service that LifeLock provides is unprecedented in helping to combat the crime of identity theft," said Angela Brown, senior vice president and general manager of Financial Institution Services for Fifth Third Processing Solutions. "Their 'whatever-it-takes' attitude combined with their $1,000,000 guarantee make LifeLock the exemplary leader in their field and we are proud to introduce their service to our customers."

In 2006, identity theft cost Americans $1.1 billion dollars, the highest amount ever as reported by the Federal Trade Commission. Identity theft tops the list of consumer complaints. The year 2007 is likely to once again set a record high in security breaches and dollars lost.

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AAA Connecticut Motor Club has partnered with LifeLock to offer its members a discount on LifeLock's award winning identity theft services.

LifeLock is the US leader in identity theft protection. They enable "locks" by setting and automatically renewing fraud alerts with the major credit bureaus, removing member names from pre-approved credit card offers and junk mail lists. On top of that, they guarantee that if your identity is every stolen while using their services, they will reimburse ALL your losses and ALL your expenses up a $1,000,000.  Additionally, LifeLock offers the only identity theft prevention service for children under 16.

AAA Connecticut Motor Club, a AAA affiliate, provides comprehensive travel, insurance, financial and automotive-related services to more than 500,000 members in Fairfield, Litchfield and New Haven Counties. They have now added LifeLock's identity prevention services to their members at a discounted price.

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Semtech, a technology company in Camarillo, CA, had a laptop computer and other personal belongings stolen from one of its vendors in late September 2007. The computer was not stolen from a Semtech facility, but  it may have contained computerized data relating to Semtech employees.

The vendor that lost the laptop will pay for identity-theft protection services for all of Semtech’s employees for one year. They chose LifeLock's identity theft protection services for the 690 employees who were affected. LifeLock immediately kicked in gear and put all necessary safeguards in place to be sure no one will be defrauded by identity thieves.

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