LifeLock?

LifeLock? Who the hell does this Todd Davis guy think he is throwing his social security number all over the Country? If you ask me I would have to say this guy is either crazy or a genius. Considering Todd Davis is the CEO of LifeLock I'm going to go with genius. So what is his company all about? They're in the business of protecting your business, your life! Every year identity theft crimes increase, it has become a $50 Billion a year business. Does this concern anyone? Considering I live next to three Latin American families (in just one house) who can hardly speak English I would have to say, I get my mail promptly. Am I racist? No, but would I wager that most of them don't have social security numbers? Yes. So, to play it safe I enrolled in LifeLock for only nine dollars a month. I was already paying $13 to have my credit monitored monthly so why not take the next step and secure my identity? Here is what you can expect from the people at LifeLock after you enroll.

WHAT TO EXPECT

1. Fraud Alerts on your credit reports requesting you verify all new credit issuances (new loans, credit cards, cell phones, etc.)

Within the next 3-5 weeks, you should receive letters from the three major credit bureaus: Equifax, Experian and TransUnion explaining that they have each placed a 90 day fraud alert on your credit report in their databases. You will receive these letters every 90 days as LifeLock continues to maintain your service. If you do not receive any or all of these letters within this timeframe, please let us know.

2. Credit Reports documenting your alerts and the phone numbers where you can be contacted to verify your identity

Within the next 4-8 weeks you should receive credit reports from each of the three major credit bureaus. Those credit reports should show the fraud alerts we've placed, advising anyone accessing your report to call you or take reasonable steps to verify your identity prior to making any credit decision. YOU MUST LOOK CAREFULLY TO VERIFY THAT THE PHONE NUMBERS IN THE FRAUD ALERT SECTION OF YOUR CREDIT REPORTS ARE CORRECT. IF THEY ARE NOT, CONTACT US IMMEDIATELY. You should continue to receive credit reports on an annual basis from the credit bureaus.

3. Reduced Junk Mail and Pre-Approved Credit Card Offers

Over the next few weeks you should begin noticing a dramatic decrease in the amount of junk mail and pre-approved credit card offers you receive in the mail.

WHEN YOU APPLY FOR CREDIT

1. You should get a phone call to confirm your identity

LifeLock will not affect your credit score. With LifeLock, when you apply for credit the creditor is advised to contact you by telephone (using the phone number provided to us during your enrollment) or take reasonable steps to verify your identity before making any decision with respect to your credit. This should ensure that you are personally notified before any credit or other credit-related transaction can be approved.

2. Call us if you have any problems

On rare occasions, especially when you are applying for "instant" credit, creditor's computer may respond to the fraud alert by sending a message that your credit has been declined or that your application has been placed in a pending status. If this happens, pick up the phone and call us. We'll get the creditor on the phone with you and help resolve any confusion about your identity. It's important that you know that we make no attempt to influence the bank's decision to approve you, we only make sure that they know it is you who is applying.

Well, there it is, I said it. I'm a pimp for LifeLock! We always talk about technology and how cool it is. But I'm going to say it's pretty damn cool to not worry about some asshole getting a hold of your information and ruining your life.