I have been a LifeLock customer for the past 7 months and have been very happy with their services. My junk mail has been vastly decreased and my peace of mind has increased. Their services for $10 per month are worth it to me. THEY JUMP THROUGH THE HOOPS FOR YOU. Since the Govt. is so lame at protecting the consumer, I am happy to have LifeLock represent and protect me...because I cannot count on my Govt. to do it.

There is NOTHING that LifeLock does that the consumer can't do for him/herself. You're paying for something that you're entitled to get FOR FREE.

Is it true that LifeLock CEO Todd Davis has been previously accused of being involved in perpetrating identity theft?

If the credit bureaus would work for the consumers instead of the creditors, we wouldn't need companies like LifeLock. They are filling a void that the bureaus have created. I wish them luck.

I detest the business practices of Experian and the other credit bureaus, which I find unethical (For instance, just try quitting their service once you've signed up - it's opaque, time-consuming, and the representatives, once you get a hold of one, will keep you on the phone with circular conversation in an attempt to get you to change your mind). Looks like the list of Experian's shady business practices can be expanded to include a spurious lawsuit filed solely for the purpose of trying to squelch fair competition.

This is one of those instances where I'm not fully sure which side to pick in this fight. The one that rips people off for services that are already available for free, or the one that is simply trying to protect their questionable existing practices. Neither give me the warm fuzzies.

I appreciate this story. Whether or not there is actually fraud involved, it does sound as though LifeLock is overselling its capabilities. I had thought about signing up with them, but it sounds as though they wouldn't be doing anything I can't do myself.

The American people need to push congress and the President to make all credit bureaus and agencies non-profit. We should also have an opt out for who can have our data to begin with. My credit data belongs to me. I don't want so many companies having my data. I don't want Experian being able to sell my data to others. They should not profit from my data. Free credit report should include the score once a year.

Actually, when you read this, it sounds like Experian is more concerned about making money and not being able to sell off our private information than they are about identity theft. This does bring up a question. Are there any real downsides to requestioning a credit lock? Are there other things we can do? Lately, for example, I have been receiving these letters from information warehouses telling me they are going to distribute my information to their "business partners", etc. but there is no opt out address, not even a telephone number. Those that do have a phone number or a web site want my Social Security number for "identification purposes"! Well, if they don't have it, and there is no way to tell, I'm certainly not going to provide it to them! I'm sick to death of companies being able to paw through my information whenever they want. What can we do?

Concise instructions on how consumers can get most of the services offered by Lifelock, without having to pay for them, are available at http://www.richerbytheday.com/2007/11/free-services-provided-by-lifelock.html

Okay, so this guy came up with this idea to use his time and computer to look-up, print reports and provide data to a consumer for free - much like a babysitter. It will really be viewed as more of a luxury as people are essentially paying for not having to do the work themselves. Legal, if there is complete disclosure and its considered a service.

In this case though, the more I think about it...the model relies substantially on the lack of knowledge by the consumer, impersonating the customer and using up their legal right to their own free report. Finally, it relies on placing a fraud alert which is really only supposed to be used if the consumer was truly a victim of fraud. Fix? An affidavit must be signed by the consumer verifying they were a victim of fraud before the alert is placed.

Fraud Alerts should be taken seriously and if 100 million people put them on their reports, what good are they? The other challenge fir Lifelock is their not disclosing how the consumers credit reports are being obtained.

What's funny is that the same people being hired to provide protection against identity theft actually are committing it "on behalf of their customer". If that is how it is done, then the customer should be informed someone will be impersonating them. I think that would turn most people off because it would raise too many questions.

Kind of like the pot calling the kettle black wouldn't you say Experian? After all, their FreeCreditReort.com isn't free, even with free in the URL. As always it's up to the consumer to protect themselves. The government won't do and corporations sure as hell won't do it.

ANOTHER GIMMICK BY ANOTHER GREEFY COMPANY TO RIP OFF THE CONSUMER. CREDIT REPORTING AGENCYS SHOULD BE DOING THIS AS A FREE SERVICE TO IT'S FILES IF THERE TAKING OUR INFO FOR NOTHING. THESE AGENCY'S ARE PISSED BECAUSE THEIR NOT THE ONE'S RIPPING OFF THE CONSUMERS. AND WHERE ARE THE FEDS AND THE BIG SHOT LAWMAKERS. DOING NOTHING WHEN IT COMES TO THESE COMPANIES.

Wow... Experian, one of the largest purveyors of misinformation and deceptive business practices in the credit realm, is suing another company that is actually trying to help protect consumers? What a bunch of thugs these people are. Forget Enron et. al. There needs to be a serious investigation of not just Experian but all of the credit reporting agencies. So much corruption there one cannot even begin to describe it all in a mere comment of the size we are alloted.

It's about time someone stuffed it to these pompous credit bureaus. These self righteous kingdoms of our credit ratings deserve every drubbing they get!

I've seen the LifeLock ads, and I was fairly confident that nothing it did couldn't be done by a consumer for free. Like many things, however, people pay for convenience, and LifeLock should be able to charge for that (and the $1 million guarantee).

I think the questions that need to be asked relate to Experian and the other credit bureaus and their business models. Why is the "fraud alert" something which can only be activated when there is information to believe that someone is targeting an individual? At that point, it would seem to me that it's already too late. Why can't a consumer shut down their credit reporting, and why don't the credit bureaus make it easy to do so?

I have always felt that there needs to be more transparency with the credit bureaus and more control for the consumers whose personal information is what they are collecting, controlling and disseminating, often without the consumer's knowledge. If a derogatory item is entered into the credit report, shouldn't the bureau (or, even better, the reporting entity) be required to make a definitive notification of that entry? Why is the burden on the consumer to periodically check to ensure that the information is correct when we cannot even control who sees that information? In other words, even with diligence, a consumer may be affected by negative information depending on the timing of its entry and the request from a potential creditor.

Add this mess to the opaque nature of FICO, and it's no wonder that lending and credit is a mysterious world to many. We don't need government oversight as much as control. It would seem to me that if LifeLock makes that control easier for a price, then they should be allowed to continue. If Experian doesn't like that, perhaps it is the problem.

I'm a lifelock customer and am happy with the service. I've got no problems paying $10 per month for the service of allowing a company to initiate fraud alerts for me. In addition I no longer receive the mountains of pre-approved junk mail which was packed everyday in my mail box.

The credit bureaus are simply mad that someone is muscling into their turf. The "Big Three" have had a good run running roughshod on the American consumer, and only curbed their business model when the gov't mandated them to do so. And they'll continue to do so by working with insurance companies which are now setting rates based on an individuals credit ratings, not their driving record.

While I'm ususally not the smartest person in the room I'm usually not the dumbest either. Can anyone out there explain the logic of that to me?

I'm a customer of Lifelock and as such they have my full permission to act on my behalf in order to protect my identfication. THIS gives them executory power to do whatever they deem necessary to protect me under the agreed upon obligations and my monthly fee to Lifelock.

Experian - BACK OFF! It's VERY interesting to know YOU've been selling information about ME...

I'd have to wait and see more on this. It wouldn't take much at all to convince me that Experian was just kicking up some dust out of frustration.

I have absolutely NO sympathy for Experian, all the credit reporting companies have been taking advantage of consumers for years! Try to get them to take an incorrect report off your file.... good luck! They have NEVER care about the consumer.

i had a weird feeling in the pit of my stomach when i saw Lifelocks ads on TV. I can say that I'm not suprised at all to be reading this article. I won't defend Davis' business practices, however shameful, but as a consumer...caveat emptor! personally, i stay away from virtually anything that is advertised on TV. except for Milk. Eggs. bread. gasoline. cars. toys. ...ok, but i did say 'virtually'!

Satisfied Lifelock customer here, and I am under no illusions that the service they provide can be handled for free. But then again, I can hand deliver mail cross country, but I choose not to for convenience.

$10 a month is well worth it to keep unauthorized persons or corporations viewing my credit report.

What gets me is that I should not have to pay to keep my credit rating clean, Experian, Equifax, etc should offer this service for free for anyone that requests it, without having to rinse and repeat every 90 days. Here is an idea, lock my credit report until I say you can use it.

I am a subscriber to LifeLock, and glad I am. I tried (unsuccessfully)dealing with Experian and Transunion to clean up old, incorrect information - such as credit cards paid off for years before showing up as zero balance on their reports. Impossible to jump through the hoops that they put in place so they don't have to clean up a record. At least I feel that someone is watching out for me on my behalf. We don't get junk mail and more credit offers anymore. What a joy not to have to shred all of that! Experian just simply does not want to do the work that is being asked of them! I truly feel that banks issuing credit cards and credit reporting companies are working together to keep the rates high...they don't want to clean up records and protect us!

Whether LifeLock or the consumer request the fraud alert, it will cost Experian. Experian is thinking if LifeLock is stopped from doing it, most consumers will forget or be too lazy to do it themselves. Anyone ever try dealing with a Experian, Equifax or Transunion for anything? Perhaps if they cleaned up their act, didn't make it near impossible to recover from fraud or identity theft. Or make it one of the most frustrating experiences you will ever encounter to correct inaccurate information on your credit report then perhaps people wouldn't need to use a company like LifeLock.

If the credit reporting agencies were at all consumer friendly there would be no need for LifeLock, but the fact is dealing with any of the credit reporting companies is like talking to the wind..They will tell you that they don't care and hang up on you

As most people have pointed out, LifeLock is providing a service that most people can get for free, however are happy to pay someone else to do. Nothing wrong there. However LifeLock needs to not be deceptive. I have never looked at their service so I don't know. I agree that as consumers, we should be able to lock our credit report down until we decide to unlock it. For instance, looking to buy a car or home. This is Experian trying to muscle a competitor out pure and simple.

We should be able to do these same things through Experian for free. I am apalled that someone can sell my information and I have to pay and/or jump through hoops to prevent it. I think it's time for congress to reform the credit industry to the benefit of the consumer.

Redtape should have mentioned for disclosure that Experian is a British company.

Isn't this America??? If someone wants to pay an organization to do this type of thing, eventhough the individual can do it free, why not let them. There are somethings that I would prefer to pay someone $10 a month so I do not have to. If LifeLock's procedures do violate the law as it stands then the consumers should make sure that the law is change. But that runs into another problem. Congress is paid for by companies such as Experian. Therefore, the people that want the convenience cannot have it. I have not used this service, but I really get ticked when a corporation is trying to talk for the consumers for their own gain.

It's time to remove the leagl protection that Experion and others of their ilk. They are profiting by destroying lives by passing on inaccurate data.

I can see Experian's complaint that LifeLock is getting a free ride on services provided by Experian. But ideally, in a free market, Experian could make LifeLock obsolete by offering the same services directly to consumers at a lower price. So why is Experian suing LifeLock instead?

I know about LifeLock - I can get for free the services they provide - but the point is that they do the work for you. They know the ins and outs and I have a good degree of trust that they will cover ALL the bases that can be covered, whereas I could easily miss things.

I think Experian is just trying to intimidate a company that is providing a service that it does not want to provide. Experian probably has profit motives to have fewer people request credit reports and have fewer people do fraud alerts. Clearly this is a service that people want and are willing to pay LifeLock for. So leave them alone and let their customer continue using a service they want to use.

Reread some of the previous comments, I guess Experion gave all of their employees time off to fill this blog.

Has anyone mentioned the fact that someone was able to take out a $500 loan using Mr Davis' SSN (http://en.wikipedia.org/wiki/Lifelock). And that they coerced the suspect into a videotaped confession, so the prosecutor couldn't use it in court and had to dismiss the charges? There has been too much controversy at LifeLock for me to trust what they do.

Experian can go take a long walk off a short bridge. Credit reporting agencies now have an additional revenue source of revenue to "protect you" from identity theft. Maybe if they didn't sell your personal info to anyone who is willing to pay, you wouldn't need the identity theft services. Maybe if there was a minimum set of standards on data protection for these recipient companies, you wouldn't need the identity protection in the first place.

For a company who just compiles where you live, what you owe, and what bills you pay and don't pay they certainly are quite the cash cow. They don't even get your identity correct a good deal of the time.

I could clean my house for free, but I choose to pay someone to do it for me. My husband could mow the lawn for free . . . the list could go on and on. Some of us have busy lives and don't want to think about renewing our fraud alert every 90 days so we would rather pay someone to remember for us. Your not paying $10 a month for the report, you are paying for them to go get it for you. There's no fraud here, just a bunch of whining on Experian's part.

its the american way lets ripe off people for a free service go corprate america

I've always told any consumer that has asked my opinion of LifeLock that it is a great advertising gimmick. All marketing--little meat.

I don't see the issue with them charging for free services. I'm fairly sure that in America people pay others to do things they don't want all the time.

"...is illegal because, under the Fair Credit Reporting Act, fraud alerts can only be requested by the individual consumer or an individual acting on behalf of the consumer."

Um... isn't Lifelock "acting on the behalf of the customer"?

YOu can also cook your own dinner, but you go to a restaurant and are forced to pay for their service ... why stop with Lifelock, Let's attack restaurants too!

Seems much like a case of sour grapes.

However it might benefit consumers even more if both companies failed and went belly up as they both are making money on "fear" and "crying wolf" can only be used so many times before the novelty wears off.

Let us face the facts. In the last two years if I remember correctly there have been quite a few highly publicized cases where millions of private records were "lost".

Think from a wall street analyst's mindset and imagine 20 million lost customer records, 20% or 4 million sign up at $10 a month for credit monitoring, and bingo you've just discovered the "new dot com" of stocks.

Bingo you get LIFELOCK.

Does the name indicate you are locked for life or else?

Not to long ago I received a letter from Horizon BCBS letting me know my personal info was amongst that of many others that were on a laptop that an employee lost.

I was offered an opportunity to sign up, at no cost, for essentially what seemd to be credit monitoring.

I did not bite because I don't trust credit monitoring orgs any more than I trust those anti virus vendors that tell you the sky is falling every minute.

Lifelock clearly states that their services could be obtained by the consumer for free. However, just like paying someone to clean my house, I am paying Liflock to do the work for me. The credit reporting companies want to sell consumer information that we (the consumer) don't want sold. We should be suing them.

Creativity in America is dead. This is a company built around a stupid loophole where we can get it free ourselves. To make matters worse, they're fighting experian, another lame entity. I filed chargebacks against those clowns and won!

How about making a service that people really NEED!

Lets see, a credit company like Experian develops a "proprietary process" for giving you a score on your credit. This score is then used by agencies, like car insurance companies, to establish the rates that you pay. You have no insight into exactly how your score is developed. Hmmmm...

Why all the wailing over selling a "free service." Do you every pay to have your car washed? You could do it yourself for free. Why pay to have your pizza delivered when you go get it for free. That's right - sometimes people pay for "free" stuff as a service and convenience. If you don't like LifeLock you need a better argument then the products they provide are out there for free. So are a ton of other services we pay for to "free" up another valuable commodity: Our time.

"alerts can only be requested by the individual consumer or an individual acting on behalf of the consumer." You are hiring someone, Lifelock, to act on your behalf... how is that breaking the law? Experian and the rest do a poor job of protecting consumers. We need protection against credit agencies. I just with Lifelock could protect us against the government as well. This country is all about big business and the government. Forget the individual...

Thank you Experian for making yourselves look even more horrifying in the eyes of the consumer, this is a great opportunity for the consumer to really let you have it. I think this lawsuit thing is just because you didn't think of it first. Maybe this is a great business opportunity to clean up your act!

If Experian had the consumer’s best interests in mind they wouldn't sell the confidential client information. I have had my student loan information which included my SS#, home address, my credit history, and mother’s maiden name, stolen twice from two major companies. Which all of the information could be used to open accounts in my name. I HAVE LIFELOCK! It's the best thing I have done to protect my name and my financial well being which doesn’t give a rat’s ass about. Because of the fraud alert LifeLock has put on my accounts it has stopped two accounts from being opened in my name because I was contacted to verify information. Do you think the companies that allowed my information to get stolen would have done that? If you believe they would have you're sadly mistaken. Since LifeLock the amount of "You are approved for" junk credit card applications have stopped. I used to get 15 to 20 of them a month, with that many, 1 or 2 of them could have easily been stolen, filled out and an account open without me knowing about it until it's too late. Now I might get maybe 1 every 3 months. If LifeLock needs someone to testify on their behalf against Experian with this frivolous lawsuit they have filed, I WILL !!!! The lawsuit that needs to be filed is one against the companies that allow their clients or customers personal and private information to be stolen and compensate us for it. Until this happens and it hits the companies’ pockets and bottom line, they won’t increase their data security to protect OUR private information.

Re: established by Congress in the Fair Credit Reporting Act

Had to add my two cents worth on this one.

If anyone thinks our members of congress know credit from debit then think again. Most are too bothered doing favors for special interests to understand the legal mumbo jumbo that goes into bills they sponsor or vote on.

Would someone actually please read the Lifelock sales literature on their website? They CLEARLY state that you could get the services they provide for free, if you want file multiple requests, continually remember what you've asked for and when, and stay on top of all of them to keep your protections current! Lifelock takes the hassle out of this and does it for a fee. It's the difference between self-service and full-service!

Experian as a company is bunch of crooks always harassing and threatning consumers with criminally dismal customer service and non-existant error corrections. We are all hostages to the credit bureaus and they are the ones making money at our expense.

Companies like Lifelock have some value to offer which is neatly packaged product. Linux OS is free yet many companies offer convenience of packages products with instructions etc. which makes them attractive to buy. The legwork a consumer has to do get those services for free is tremendous and riddled with having to deal with crooks at credeit bureaus. Only a very savvy and diligent consumer can do all of those things for free.

I wish Lifelock much luck in beating Experian in their own dirty game.

I'm going to sign up for lifelock just so they can continue to screw with the credit agencys. I can think of no better way to spend 10 bucks a month other than putting to the man... What fun!!!

There are a tremendous amount of services out there that people pay for that the could do themselves for free or greatly reduced cost, such as cleaning their homes or planning vacations. I was always under the assumption at least most of the services if not all anyone can do for themselves for free if they have the time or the knowledge of where to go to do these various actions.

For those of you who think the credit bureaus should be non-profit would probably want everything regulated by the government. When you have over 200 million people with credit data that has to be compiled and updated from corporate, institutional, and financial services, good luck getting government bureacracy to handle that. It would be easier to tell people to stop borrowing on credit. It's a $bil/year industry for bureaus...if they won't do it who will?

I detest the idea that Experian, and the other 2 credit companies sell my information to any of the many businesses that subscribe to their companies about my credit information. Every time I have checked my real free credit report, I have found inquiries by firms and businesses that I do not nor have I ever done business with.
To me this is a security breach. My personal information should not be given, much less sold, to any other person or entity without my direct approval.
LifeLock is providing a service much needed in these times. Fraud Alerts are not free in most states, most charge to have them put in place and charge to have them removed.
What Supreme Power gave the credit companies authority to gather my personal information in the first place. They need to paying us for the right to obtain this very personal information.

The fact that someone could use Davis' fraud alert tagged social security number to get credit shows just what Americans are up against--no matter what we do to protect ourselves and our credit, there are companies that will do anything to make a buck. Clearly the company that provided the fraudulent loan didn't care that there was a fraud alert on the account. Didn't notify the social security owner to verify the requests for credit. There only concern was the interest they could make off the loan. It's unforgivable that we are not allowed more ownership and ability to restrict our credit reports when we are at the mercy of scammers, greedy businesses and agencies like Experian who do not have the consumer's best interest at heart.

Read this before becoming a client of Lifelock:

http://www.phoenixnewtimes.com/2007-05-31/news/what-happened-in-vegas/full

LifeLock should just alert the customer whenever any significant credit transaction is occurring instead of crying wolf every 90 days. I could see how that would piss of any company if they're paying for it.

I think it is wonderful that a company is taking on the credit bureaus! Things will only change when the credit bureaus are forced (by law and automatic fines on a per instance basis paid to the consumer) to ensure that information they have and sell is both current and precisely accurate. Their current business model enables maximum profitability for both the bureaus and the customers of the bureaus by retaining false negative information as long as possible - quite often for decades! It is also amazing that purged information keeps getting re-entered into their databases. The reason - negative information on consumers is more profitable to the bureaus' customers (e.g., loan makers). And the credit bureaus would lose customers if they kept false good data on customers.

I've thought all along that it is unfair and unethical for me to have to pay to see my credit report. Okay so now I can see it once a year for free but I still have to pay to see my FICO score and guess what! There's actually three of them and you have to pay for all three to know what they are. This is crazy! We're brought up to believe a person is innocent until proven guilty but in the credit world you're a deadbeat until proven worthy. I hope this lawsuit opens up a whole can of worms for the credit reporting industry. I understand the need for a company to make money but the person who the information is based on should be able to access it anytime and at zero cost. Go get 'em Todd!

Thank you for the valuable links.

I am a Lifelock customer and I am very pleased with their services. I know I can do it on my own, but I don't need or want the hassle of dealing with the credit agencies. I will gladly pay $10.00 a month to have Lifelock do it on my behalf, and I grant them full authority to do so. And why is Experian suddenly so eager to protect the consumer? Obviously, Experian is only looking at its bottom line. Experian is hardly in the postition to argue that consumer rights are being violated or consumers are being deceived. I'll trust Lifelock over Experian any day.

Experian is trying to make life more difficult for Joe Average; LifeLock makes life easier for a reasonable fee.

With any luck Lifelock will bankrupt the Commercial Credit Companies who are predatory and sell data of persons who can only get secured cards @ 30+%.

Good ridence to bad trash.

I have found some ways to stop pre-approved credit cards and phone solicitors// Pre approved: Take their postage paid envelope stuff it with your other junk mail. Write on the outside of the envelope to 'stop sending to this address' and ussually they quit.// For phone vendors. Ask them to hang on and let them stay on the line until they tire of it. Once or twice ussually does the trick.// Just a couple of things to try.. Have a nice day..

The CEO of LifeLock is the original identity thieft. He is a fraudster and a con artist, and I want Experience to pull LifeLock apart

Are you kidding me? The credit companies are mad that a company is profiting by solving the problem that occurs because they don't do their jobs correctly? The same problem that the credit companies now charge you a service fee for, instead of fixing it like they should be?

I'd say I'm incredulous, but nothing is too low and slimy for these companies. I've tried with no avail to remove erroneous credit remarks on my report for years now. And I have the paperwork to prove it. I can't reach customer service or talk to ANYONE, and they're suing someone that might fix this issue?

Counter-sue, Lifelock. They've got plenty, take it from them.

LifeLock is crap. It charges people for something that each consumer can do for free.

In addition, LifeLock does not work well. You want real identity protection? Put a freeze on all three of your reports. In most states, this is possible even if you WERE NOT a victim of ID theft.

Freeze = great feature with many benefits that FAR outweight the peanuts that LifeLock offers.

LifeLock = does not work and potent security hole.

If they're going to compile a credit history for me, and control my financial life with it, then I should have every legal right to lock, unlock and review my credit history when I want to, not when they want to.

I do love the fact that people bring up the fact that the company is doing something that the customer can do for free....isnt that what a lot of companies do? Gardener, car wash, oil wash? Maybe people are lazy. I agree with Jane Doe of AZ, Experian is upset because another company is taking business away. It must be terrible to have only two other competitors. boo hoo

Go LifeLock!! Experian and all the rest are theives, and have had this oligopoly working for far too long! I agree, the gov't has failed us in this arena, and while these services are free, so are many other things that we are willing to pay for in society for better quality or service. Bottled water anyone?

I will be more than happy to back Life Lock up on this subject. NO Todd Davis has not been been previously accused of being involved in perpetrating identity theft...Life Lock is an awesome company. Life Lock charges 10$ a month to do everyones dirty work. The average american should be able to afford that. I mean come we spend more than that to get our cars washed or our nails done or even getting our oil changed when we can do all that stuff for free. This is a protection that is guaruntee for 1million dollars if you identity is compromised. If you do this stuff your self you don't have a million dollars to repair your good name that we all work hard to get. Life Lock has never said that the fraud alerts will stop identity theft 100% and at least you can actually talk to a live person at LifeLock unlike Experian. Even if you have to wait on hold for 30 min. You wait that long when you call a bank. Experian is not concerend about the consumer they are worried that Life Lock is going to get them out of business. I KNOW Life Lock will win this. They will not back down until they do..

The Lifelock web site CLEARLY says you could do all these things for yourself if you wanted to spend the time and keep up with it. $10/mo doesn't seem unreasoanble to me for keeping up with all that administrivia.

I could grow my own food, too, but I don't. That doesn't make my grocer a crook.

I signed up for Lifelock a few months back. I was not taken in any way. I knew I could place fraud alerts myself. I knew I was entitled to a free credit report yearly. I knew there were ways to get off the junk mail lists. The point it, they do it for you. So when Experian says that it takes me or someone acting on my behalf to place a fraud alert, Lifelock is doing just that. I basically hired them so I didn't have to keep track of when I had to do it all again. When computers containing socials were stolen from the Nashville election office, I had little worry, because I had already taken steps to protect myself.

I'm not real excited about Lifelock's tactics but I want better tools in protecting myself. It's like a constant fear in life of having your identity stolen. I demade not only better safeguards but I want these credit bureaus to have more accountability. They hold people's live at the tip of their fingers.

i wish lifelock well, when i was attempting to right several wrongs on my credit report, i would get ignored, and find out that it was a "frivolous" request. i got a lawyer after that who sent in carefully worded letters. my credit report was corrected. i also got a letter from two of the credit bureas saying that this was a free service that i could enact & that i need not pay this lawyer. funny thing that i couldnt get them to do anything on my own & try to get me to ditch my effective lawyer.

life lock is bull. everyone thinks they got a one million dollar coverage. if you read the fine print you begin to realize you dont have that coverage.

I actually read the fine print before I signed up for Lifelock and I was well aware that I could do all this for free. I signed up anyway. I find Lifelock to be a valuable service and much easier to deal with than the credit agencies. Oh, and just so you know, I could mow my lawn for free but I pay someone to do that too. The landscaper didn't have to tell me I could do it free of charge.

If you look at the lifelock.com website and the services they provide in the How-Lifelock-works tab, it even says, "If you are a do-it-yourselfer, you can do this for free, but why not let us do it for you?" I was looking into the company months ago and this was the same wording that they used then...they didn't change it just because of a lawsuit or a news story. They're up-front about the fact that you could do this yourself, but you would have to have a lot of free time to keep up with the services lifelock provides at $10 per month. Money well spent, I'd say. Experian is just money-hungry.

Geez, took me all of 20 minutes to get my credit report and all the other things that Lifelock does. Nice part, I get to keep the money. People should be thinking less about a good credit score and more about not using credit cards and other loan instruments, living outside their means. Instead of buying that SUV or 120" TV set, try saving money instead. Instead of worrying about credit scores, try being thrifty instead. There are any number of ways to get started too. Try http://DaveRamsey.com/ - while he does proselytize a bit (not unbearable), his Total Money Makeover is just plain common sense. And "cents", too, in that you just might have the cash to buy that SUV! Just my two cents ;)

As a new subscriber to LifeLock in the last 3 weeks, I am happy to report that LifeLock just saved me from someone who was attempting to open a telephone account (with a nationwide phone provider) in my name and using my SSN. The credit analyst called me on my cell phone, and told me that they asked the "thief" 12 intense questions to verify the identity -- but the person failed the test. This was all because I had fraud alerts placed by LifeLock no more than 20 days ago. For $110 per year, this service is worth every penny, and I would never want to take the time or trouble to place and renew my own fraud alerts. This service is great and it works, and I know that I trust LifeLock over Experian any day of the week!

I have no problem with Lifelock offering a service. If I choose to pay for this service, then Lifelock acts on my behalf. However, I have a HUGE problem with Experian and the other credit bureaus brokering my PERSONAL, PRIVATE information without my consent. How much identity theft has occurred as a result of the credit bureaus selling my personal data? What criteria is in place to prevent this information from going further once it is sold. The problem is not with Lifelock. The real problem is with all three credit bureaus who command far too much power over people's personal lives. How do I opt out of having my information sold? Hmmm.

The $10/month fee is a convenience fee. I've been contemplating joining LifeLock for a while now and will watch this case closely. I, for one, am fine with paying someone else to do the leg work for me. Time (doing other things) is more important to me now than the money.

The credit reporting companies (I refuse to grant them the credibility that comes from the term "agency" or "bureau") are the very foundation of the relatively new phenomenon of identity theft. Without them it could not occur. They created the environment in which it occurs for their own profit, and the part they don't own is the responsibility of greedy credit card companies anxious to get us to "buy now, pay later" with immoral interest rates attached in the fine print. To hell with all of them!

I personally like it if someone has found a way to lawfully provide a service in a way that costs Experian and the others millions of dollars. Make it BILLIONS, please! Congress created the Fair Credit Reporting Act to address the shocking prevalence of UNfair credit reporting, for Pete's sake! Had they not been greedy, sloppy and indifferent to the ruinous harm they've caused and continue to cause to flesh and blood human beings, there would be no such thing as "fraud alerts" in the first place. A simple search on Google or Vivisimo will turn up many examples of credit reporting companies having been hit with jury verdicts in the millions for ruining the lives of honest people by refusing to comply with the the Fair Credit Reporting Act after receiving clear, knowledgable and articulate demands to do so or face the consequences. And Heaven only knows how many cases they have settled for big numbers while extracting promises of complete secrecy from their injured victims. And now one of these greedy giants has the gall to assert the FCRA and claim that it is standing up for consumers? And, for what it's worth, Experian's legal theory is flat out wrong to boot. NOTHING in the FCRA prohibits a consumer from empowering an agent to contact credit reporting companies on her behalf. Nothing.

I hope the court throws the case out and imposes strong sanctions against Experian and its lawyers under rules of procedure crafted to punish and deter those who pursue frivolous, ill-founded litigation.

A simple google search or
with the rest of it laid at the feet of themselves and should not be heard to complain of . Theft of a person's identity could not occur if it were not for readily accessible databanks filled with information, both correct and incorrect,

Want to get really steamed? Ok, so several years back someone stole my identity and opened about half dozen credit card and store accounts. Shortly after the fraud became apparent, I began the daunting task of unwinding it all, and in particular, dealing with the 3 credit agencies in an attempt to clarify and correct my credit reports. Needless to say, after about 2 years I was STILL trying to get it all resolved. Well, one day I happen to be on a commercial flight and was working on some of the paperwork, and it so happens, a rather senior employee of one of the big three credit reporting agencies is seated next to me. He notices my papers and we get to talking, and in short, I tell him how "frustrating" it is trying to get the credit agencies to respond and correct things. I explained it had just been over 2 years since I started down this path. Well, he gave me several tips that turned out to be golden. But it is what he told me next that stunned me, but after thinking about it, really made a lot of sense. He explained that the reason the credit agencies are so "difficult" and "unwilling" to help consumers correct obvious errors is because the longer they drag things out, the more credit reports a consumer orders each year during the process, and hence, the more money they make since only 1 report per year is free. In other words, the credit agencies make more profit if a consumer's are incorrect than if the reports are corrected in a timely manner. He further stated that it was the explicit "internal policy" of his employer to hinder the correction of credit reports as long as possible. Sure enough, over the 2+ year period, I had already ordered over a dozen credit reports from each agency to see where errors still existed, and where things still needed to be fixed. The upshot is, the credit agencies want to make a profit, and to do so, it is their policy (at least at his agency) to actively prevent and obstruct consumers from correcting their credit reports so that more reports are ordered each year. So, I say LifeLock, stick it to them!

The fact that Experian is one of the three major credit reporting agencies and is placing thier own interests above the individual consumer is quite concerning. I pay Lifelock to do a service that I don't have the time or desire to do. Like I care that it's free. There are hundreds of other things we could do for free but we pay others to do them out of convienience. I should open a lawsuit against my waiter at Chili's for brining out my food from the kitchen, I could have done that for free.

Consider for a moment what happened when the Do-Not-Call-List was introduced: nearly everyone signed up. I have no doubt that if there was a Do-Not-Give-My-Credit-Info-List or a Call-Me-If-I-Submit-A-Credit-Application-List that they would be equally highly subscribed. The Credit Bureaus don't want that for the same reason the TeleMarketing companies didn't want Do-Not-Call. They're making a ton of money out of making people's lives miserable. I am thrilled with Lifelock. My wife is a professional organizer and people pay a lot for her services - all of which they could do for free themselves if they didn't have better things to do. I have better things to do than sit on the phone listening to Muzak or sending snail-mail fraud alerts to all three credit agencies just to stop them from handing my info out to anyone who wants it. Three cheers for Lifelock!

For some reason I knew that what life lock offered was free to anyone who took the time involved to go after it...I think life lock itself tells that in it's introduction to it's service. The key is that most people don't want the hassle of trying to deal with the credit reporting agencies. I know I don't! And, even if you don't mind the hassle, who the heck can remember to do it all the time? I think Life Lock does preform a service worth paying for...go life lock, down with experian! ...lol...

Experian, like the other two bureaus, is a company of criminals, ready, willing, and able to exploit your most personal information just to make an extra buck. If you believe that Experian has the slightest concern about protecting your identity or ensuring that your credit report is accurate, you are naive and sadly mistaken. Why American consumers allowed these greedy corporate thugs to hijack their personal information, and use it to compile a "score" that controls their entire life is beyond me. It is about time that somebody stood up to these crooks.

Experian suing for shady and illegal practices, wow! Congress allowed 1 free report per year. What do Experian do? They start charging an extra 11 cents per report pulled to re-sellers. This is for every report!!! First, what a way to eliminate the competion (resellers) by overcharging, and second, the report is suppossed to be free, then why do resellers bear the grunt of it. Just imagine, you pull 1 report, let's say a reseller pulls 100,000 reports a month, Experian says that to recoup loses of your one report they will charge the reseller $11,000 for that month!!! Talk about a dirty and unethical company!!! They even sell the reports to everyone for less than they sell to resellers. Isn't that illegal????

Lifelock is a pointless service because all of the things they do can be done yourself for free. BUT this is America home of the fat slob who would rather pay money then do the work themselves. So whats wrong with a company providing a service that most people want? If anything is wrong it is the idea that three companys profit off of selling my personal information with out my permission and no recourse for me to stop it. The only crooks here are the credit companys.

Ther is one sure fire way to end all this credit ripoff stuff....

STOP USING CREDIT CARDS!!!

I have stopped using credit cards years ago and whenever I see those pre approved lies in my mail box, they meet mr trashcan.
Unfortunatly America has been hoodwinked into credit and now relies too much on credit. I ask you what was wrong with paying cash for everything?
Stop using credit..then there will not be any need for greedy credit report companies.
Bah I know that will never happen. But at least I have no worries about someone using my name for credit.. cuz I have none!!!!

I think the ENTIRE industry preys on fear. We fear bad credit so we can't consume like we want. We fear ID Theft because we are told it will ruin our credit. ID Theft is BS - people are idiots. If you lose your credit cards - your ID can't be stolen - just your cash. I seriously doubt the statistics that millions have been affected. But then again, this is a free society and if people want to pay for something - let them pay. I just think the whole thing is overblown.

With lifelock, you are paying for the convenience and insurance should something go wrong. Sure, one can do all that LifeLock does pretty much for free, and that is the best part about it. I would have been worried if Lifelock was doing something otherwise.

Happy customer of Lifelock,

To the guy who reference Wikipedia, you cant believe everything you read in Wikipedia. Their website clearly states its "the free encyclopedia that anyone can edit." For all you know an credit bureau employee could have posted that story, and it could be 100% completely false, just to try and give the Lifelock company a bad rap. Can consumers do for free what Lifelock charges for, you bet, but as most have pointed out, I'd rather deal with a company that a lot of people have stated gives good customer service then the idiot credit bureau companies. Those clowns have credit a lot of this credit fraud / identity fraud that’s out there, now they want to cry foul when someone starts a company to help average joes deal with the clowns.

Seem that it's the ignorant using this service.

QUOTE: For those of you who think the credit bureaus should be non-profit would probably want everything regulated by the government. When you have over 200 million people with credit data that has to be compiled and updated from corporate, institutional, and financial services, good luck getting government bureacracy to handle that. It would be easier to tell people to stop borrowing on credit. It's a $bil/year industry for bureaus...if they won't do it who will?

Hah. So I have some obligation to tolerate the other ways (totally unrelated to credit) that the credit bureaus use (and misuse) my personal data? Yes, I want EVERYTHING to be regulated by the government, you twit. If the credit bureaus went belly up tomorrow, and Fair Isaac imploded, we'd have to go back to the old way of doing credit - ACTUALLY VERIFYING THE REFERENCES ON AN APPLICATION! When you outsource your own due diligence, you get whatever you get, databases out of date, operators in Bangalore telling you you don't exist or you owe $33 million. Or did anybody notice the quiet changes made to the FICO formula in recent weeks because the MATHEMATICAL MODEL WAS FLAWED? And that a whole boatload of subprime loans would have been correctly predicted to default had the model been accurate?
The entire business environment is screaming for some heavy-duty regulation, as laissez-faire has turned into a race to the ethical-standards bottom, and unrestriced profits without recourse for consumers.

Actuallly, it's illegal to hand deliver mail. You're not allowed, by law, to take a letter over to someone's house and drop it in their mailbox (even if you put postage on it). Ask the post office. You may hang fliers on someone's door but not put it in the box. Sorry, you're wrong.

I have no problem with paying life lock a fee to execute these free services on my behalf, I do not have the time. The credit agencies need someone to kick them in the teeth, their scoring practices are antiquated and biased, and are not there to help the consumer. Life lock is there for the consumer.

all you need to do is read stories of victims of identity theft and see how the credit agencies step back and do nothing while these people are victims over and over with no help from law enforcement or the credit agencies that are issuing these credit cards and bank accoun ts to criminals and the consumer is left holding the bag and the bills

More power to Lifelock! Those pompous credit bureaus are quick to stick false information on your credit report without checking their sources. It well take 2 years, 6 letters with documentation, plus 1 letter more, with threats to sue before they will remove that false information. Experian and the other 2 stooges make me sick! It's very unfortunate but credit bureaus rule your life and should be closely monitored by the federal government.

I use Lifelock, I authorize them to use every legal means to protect me, and no, nothing that is from any credit bureau is free. They have more strings than can be counted. The credit racketeers and now MEDFICO are becoming a law unto themselves. Yes, Fair-Isaac is now digging into Medical. BTW I have a great score, but have had to remove/dispute several things on my report in the last 20 or so years. The scum are basically racketeers. Davis is a hero. When a laptop with thousands of veterans personally identifying data was stolen, He extended coverage at no cost to any that applied. That's when he got this veteran and customer.

Lifelock is a very convenient value-added-service available to customers who want life simplified by monitoring and protecting their credit history using a legal way provided by US government.
Experian and other credit bureaus are just feeling threatened that their tactics--like freecreditreport.com scam--are not working and people have now *really* started to use the easy and rightful access to credit history that US government has enabled by providing ANNUALCREDITREPORT.COM and fraud alert placement etc. US lawmakers have shown great wisdom by making this possible through federal law. And thanks to LifeLock it is now very convenient as well and completely in the spirit of the law. I hope the courts also show the great wisdom like the lawmakers and throw the Experian case out.

LifeLock does what it promises, and I have had no complaints as yet. That said, I would never have had to use LifeLock if Experian and the other agencies didn't UTTERLY SUCK.

I love the article where the banking security 'expert' states that true ID theft is no big deal, it's only a third of ID theft (the other two thirds being stolen CCs classified as such). He needs to have his identity stolen and go through a few years of trying to clean it up before he starts telling people its no big deal.

Experian has no reason to offer anything remotely acceptable to the public. I hope this lawsuit blows up right in their faces.

I had Experian's credit monitoring service and replaced it with Costco's service covering my wife and I for the same price. When cancelling the Experian service, it took me 6 months, 8 letters, countless phone calls. Finally, I had to close the credit card I had used for Experian to fianlly end the service. Experian, I recommend you clean your house before going after sanother.

It doesnt matter who the credit bureaus work for, people that pay for these services are idiots. The services are free and you are wasting money and potentially breaking federal laws at the same time. I work for TransUnion and I thought these very same things that have been alleged in the lawsuit by Experian (as well as I also have concerns about freecreditreport.com also). Do yourself a favor and request a freeze on your report and pay the $10. That is the only way to secure your report, but nothing can stop someone that all ready has your identity from obtaining credit in your name - period.

Experians mad someone else is using their own rules in a way that is competing. Another corporate giant with no face who could care less about anything or anyone but its bottom line. Fired 4200 people today but i bonused 32 million. Can you say 'SCUMBAG'.

Not too long ago a family member did something
"wrong" - gave to charity and paid by check.

Today this same family member is flooded with mailing labels, nickles, you name it and requests for money to help some cause or the other.

It was like there were organizations coming out of the woodwork asking for money.

We don't even know how to stop the junk mail. And trust me we'd rather not write and confirm the name and address because heaven knows who they might pass it on to next.

The easiest solution, throw the junk away. Give the nickles to charity. Oh yes keep a few lables.

Don't need "lifelock" to help me do that. Thank You.

Did I hear Experian going WAAAAAAAAAAAAAAAAAH....Keep up the good work Todd

I am a LifeLock customer and love the idea that I can pay for someone else to help protect my identity by doing all the things that need to be done on a regular basis that I know I can do for free but wont because I will forget to because I have a life and I'm human. And I know it doesn't protect my bank accounts but they also aren't my identity, they are bank accounts. Monitoring an identity only lets you know when someone has already done damage, I want it stopped before it happens. If experian could do this ALL THE TIME instead of only in 90 day instances then I would use them but they don't - LifeLock does. Thank you LifeLock - $10 will be coming from me every month.

Sounds like Experian is a little concerned about their ability to maintain the collusive nature of the credit industry.

I think Mark in CO pretty much sums it up http://www.phoenixnewtimes.com/2007-05-31/news/what-happened-in-vegas/full Buyer beware. I would love to have a service like this and would gladly pay but this dont sound too good.

If people want to pay for somebody else to deal with the headaches of ordering credit reports and the like, there should be no problem with that.

There should be disclosure by lifelock that they are using the person's free yearly credit report benefit.

The people are also getting a million dollar guarantee. That is not something that everybody gets for free.

The fraud alert thing, though, is problematic. What if everybody put fraud alerts on their accounts? Then creditors would always see these alerts and ignore them. If enough people put on fraud alerts, they would be so common that they wouldn't have the effect they are designed for. It is like crying wolf. If those alerts are supposed to be for people with compromised identities, then they should not be able to place them indefinitely. They would then be reducing their effectiveness for people with legitimate imminent threats to their identities.

There should be some way to request that a consumer be contacted every time a new line of credit is created in their name, though.

I use Lifelock and I know I can do it myself for free, but I like paying someone else to do it and I like the guarantee. The reporting agencies are ticked because this invades their turf. But if they would have been doing this for the consumer in the first place, Lifelock would not be needed.

Sounds to me like Lifelock is affecting someone's bottom line, so they filed a (IMO) frivolous lawsuit.

A lot of you are correct in your answer. But some of you are off the wall with your answers. The problem is...There is No guarantees - UNLESS they make a mistake - read the contract! read the small print! They are not able to help you with Motor Vehicle Identity, Medical Identity, Your Character / Criminal Identity,You see there are 5 areas of Identity Theft. the other two are Financial and Social Secruity. They don't fix it! They will send you a fraud Packet. There is a Worldwide Company - over 30 years in business that can help you with Identity Theft issues. Find out more.

The people that say they rather use LifeLock over Experian - Obviously, you don't know what you have from them - Lifelock uses Experian to get the credit information.

When applying for my "free" online credit report from the three major pain in the ass credit bureaus the site intentionally directs you to their protection services for a fee before you can view the real report. They make every step of obtaining your information a hassle. I see why people pay for Lifelocks services. Transunion, Experian, and Equifax are a joke.

I do not use Lifelock (because were poor here in the rural part of the country) but I really hope they win this suit.

D - Who is sending Lifelock the best of luck wishes.

The comments from some of the articles linked in several of these posts from former employees of LifeLock should raise a flag with most any consumer. Those employees stated they were hired with extremely limited background checks and several were contracted to work from their homes...all while having full access to the customer's personal information - the very information you want to protect. Add to that the questionable background of Mr. Davis' partner and a measure of "sounds too good to be true" and I think caution is appropriate, to say the least.

I am a Lifelock member and went in knowing that all they do can be done myself free of charge. However, I decided to pay someone else to do the work. As far as the deceptive marketing, I believe neither Experian nor Lifelock are squeeky clean.

The main reason members of LL sign up is for the CONVENIENCE, as well as for the million dollar protection. Yes, one can do the services that LL provides themselves but who wants to? 10.00 a month for LL to set fraud alerts for me is worth it and yes everyone is entitled to a free credit report from each bureau...LL is ordering them for you so you dont have to. And if I become a victim which could be at anytime, since identity theft is so popular, I am backed with a million dollar guarantee. It may not cost that much to get my name restored but it is very time consuming and there are out of pocket costs when ones identity is stolen. Todd Davis is the head of a great company and the companies main goal is to completely wipe out identity theft over time. New services and products are being worked on and implemented to continue to provide the best service and protection for LL members everyday. Experian should be working with LL to protect the consumer. Not be salty that the consumers are switching to LL for protection. Like the old saying goes...if you cant beat em join em.

I am a happy customer of Lifeloock.

I strongly disagree that Lifelock is deceptively advertising and charging customers for otherwise free services. As to the violation of other laws, there may be a technical violation but not something that could not be corrected by revised legislation allowing Lifelock (or other corporations) to act on behalf of the consumer under a duly executed contract.

The bottom line is hiring Lifelock and paying a fee for a service is a valuable consumer service because while there are many things we should all do....due to life's busy schedule, we often run out of time to do even some important things.

Everytime you stop at the corner conveniences store and pay an additional $.50 for a quart of milk because we need to get home to feed the children so we can get to the PTA meeting, we are prioritizing and determining that our time saved is worth the extra $.50.

Thanks, M

I looked into LifeLock and they say up front what they're doing, and that you can do it yourself. What they are charging for is to automate and repeat the process for you for what I think is a reasonable $10 a month fee.

Experian is crying because they aren't making the money.

PS - I LOATH the credit bureaus and the credit rating system.

Life Lock, "This lawsuit is not about helping consumers," he said. "They just want to make more money selling their data." IE Experian and the other two so called credit bureau's.

Davis could not have hit the head on the nail any closer to center!

Do you know why we have rampant fraud? Because companies like Experian are allowed to sell our information! I don't care who you are, that there is a fact!

Any chance all the lifelock customers here have the same IP?

Let’s empower ourselves people! Sit down and write your U.S. Congressman (woman) and your U.S. Senators (I just did). Explain to them the deceptions and treachery you, the consumer, endures at the hands of the three credit companies and ask that they review and regulate the industry. Use many of the good points listed here… require credit companies to obtain a consumer’s permission prior to the release of information to anyone, allow consumers to obtain a free FICO scores and free credit report on a monthly basis, demand that erroneous reports be corrected/resolved by these companies within ninety days upon receiving the notification of the consumer, etc… Now, tell ten family members and ten friends about what you have done and ask them to repeat the process. Politicians do listen when MASSES of constituents demand action. This takes a little time and effort. Please do it now and remember, it is an election year.

To the Poster(s) who talk about life lock impersonating me. They are not! You are hiring them to be YOUR AGENT on YOUR BEHALF. They are not Inpersonating anyone. Those Words came from Experian. Experian is crying foul because Life lock is not only cutting in on their turf but the laugher is, they know Experian HAS to Comply with the request. Sort of like using your own compnay against you and it benefits your comepetitor...GOOD for Life Lock. As far as the Consumer doing it themselves Yeah they can but let me tell you...Don't expect ANY help from the Credit Folks...They work for the Creditors!

OPUSROOSTER....Yeah OK, Anothr Wack Job thinking the GOVERNMENT will Save him - Nice try

A little know fact. Todd Davis had his Idenity Stolen after he had started Lifelock. Why would I believe in a service that dose more to hide your risk to the problem than fixing it. I have the article and the person was let off scot free. People should know the truth. He is not dealing with all the real issues. In the classes I teach on how to protect yourself, people find out the truth so they know where they stand.

As a victim of id theft and a LifeLock member, I knew from the day I signed up that these services were all free. However, as the saying goes, "time is money." $10 a month is worth a lot more than spending hours dealing with getting these services in place and potentially having to spends countless days dealing with correcting my credit by myself if something were to happen again. It's Experian and the other big credit unions that are truly to blame for having practically no locks on people's credit in the first place.

This country is brain dead on the issue of ID theft/fraud. Think like the Founding Fathers....there is a missing infrastructure that it's time to start working on....a system of secure identity that makes each citizen secure in their person, identity and privacy of conduct under the law.

We have the scientific and technical ability to develop the missing infrastructure, and put an end to ID crime (including immigration fraud), and to restore the personal privacy that has been squandered.

The first step is electing people to Congress who are non-political problem-solvers, savvy-tech people who know how to take on wicked difficult problems, with zero tolerance for symbolic, band-aid solutions. Then, Congress needs to authorize responsibility for ID security and privacy infrastructure to one of the non-military, non-police agencies (Treasury, Commerce?), instead of passing the buck to the states and a private sector (Experian, Visa) that will fight to maintain a status quo where you can be robbed of your good name.

The ID crime problem is a bellweather issue challenging the law-abiding public to use the instrument of government to regain the upper hand over criminals. The Republican idea that govt. cannot be trusted to solve this problem is self-defeating. It cannot be solved any other way. I can't remember a time when criminals were given such a free ride, and it doesn't bode well for our future to let it continue.

No Matter should you want a credit report or credit score remember although it is supposed to be free more often then not, your asked for a credit card # etc. and required to sign up for a free look to get to the next step.
I should not be required to look at Lifelock or any credit reporting company for 30 days where you must cancel w/in a short time not to be charged. They now have the info they wanted rather yu cancel or not- ENOUGH...........

When I signed up for LifeLock I knew exactly what I was paying for… an agent to represent me, my wife & my son. I pay every month for all three of us to have piece of mind. I knew I could do it all for free by myself; I’m paying LifeLock to do it for me. Has anyone paid someone to change their oil every 3 months or 5,000 miles? I bet you have! I’m sorry, but the way I see it is that I’m paying for exactly what I want with a guarantee, unlike Experian, who is claiming to be free but is not.

Lifelock customer here (unique and not part of some massive campaign a previous poster refers to).

I pay the $10 per month for convenience. I know I can post my own fraud alerts, but I don't want to mark my calendar to redo it every 90 days.

The fraud alert simply requires a call to be placed to me by the credit company whenever a new account is applied for. Why I can't ask the credit companies to always do that is beyond me. Why would it be so hard for Experian to call every person when a new account is opened? Oh wait, they probably don't have a "customer service" department. That would be crazy.

I think Experian is jealous, and a little greedy in this case. Lifelock does set up alerts every 90 days, what is illegal? From what I see..and I quote from the article...
" fraud alerts can only be requested by the individual consumer or an individual acting on behalf of the consumer. "
Once the consumer applies and pays for Lifelock,
they are automatically enrolled, there is no waiting period. The way I see it, since they agreed, whoever calls and puts that alert in place, is an individual acting on behalf of the customer...
2nd. Experian does not have a $1 Million dollar guarantee if someone's identity is misused. So all I see are green eyes of Jealousy..from Experian. They wish they'd of thought of it themselves.

I think Experian is jealous, and a little greedy in this case. Lifelock does set up alerts every 90 days, what is illegal? From what I see..and I quote from the article...
" fraud alerts can only be requested by the individual consumer or an individual acting on behalf of the consumer. "
Once the consumer applies and pays for Lifelock,
they are automatically enrolled, there is no waiting period. The way I see it, since they agreed, whoever calls and puts that alert in place, is an individual acting on behalf of the customer...
2nd. Experian does not have a $1 Million dollar guarantee if someone's identity is misused. So all I see are green eyes of Jealousy..from Experian. They wish they'd of thought of it themselves.

NAMELESS (Sent Feb 22, 2008 12:28:54 PM) You're the real whack job by doing nothing. Just set there on your complacent posterior and do nothing... now, that's a real solution; true progress in action. And, I'm not looking for the government to save me. I am saying they would have to address the issue with a mass public outcry. Many voices do get the attention of politicians... and fast. I've seen it work,

Pierre, Pleasanton CA... Well said.

Saying that LifeLock is wrong for making people say for something they can get themselves for free is ridiculous.

If that's the case, we should outlaw car washes, too, since people can clean their own cars themselves. It's called "paying for a service". If you want to call LifeLock's customers lazy, that's your prerogative, but don't act like LifeLock is doing wrong by them.

So what if people can do it themselves for free, that's true with many business ideas, Most people can cook for themselves, yet still go out to eat, As long as the company is not being deceitful, it looks to me like the credit bureaus are just don't like someone cutting in on their money .

Stop paying your mechanics, computer technicians, doctors, and any other service industry professionals for their advice. The whole service industry is based on doing tasks that others dont want/have time to do. People pay to have their lawn cut, a task anyone with an arm and a leg can do.
Give me a break people. I'm sure there are plenty of people who would pay 10$ a month to save them the time.

I have been considering LifeLock. Now I am sold,Thanks Experian!!

Experian obviously has rights to sue lifelock, so picking sides and fighting over things that really don't effect our day to day life isn't really worth it. Everyone has the option to use annualcreditreport.com and view there credit report annually free of charge. I think experian will do just fine as a company even if they lose this contest. People will go on and on buying there product because they make it so easy to access and so hard to get out of.

Why hasn't anyone addressed the fact that for 10 dollars only one time with each of the credit bureaus you can permanently freeze your report? Why pay 10 dollars everymonth for the same thing?

Why pay for something that only protects 28% of your identity. There are 5 types of identity theft financial, social security, medical, drivers license, and character criminal. Lifelock will only cover you with the million dollar protection if they loose your identity through there credit bureau fraud alerts. If the identity is stolen in any other way you are out in the cold. Please come learn more about the real truth of identity theft.

I had my information stolen through my university's computers by someone in china, along with 30,000 other people. I do not have the time or the memory to conastantly put up fraud alerts.

I use this service to do things that are annoying for the average consumer, plus they offer to help you get your credit back and they have a service to replace all the stuff in your wallet if it is stolen or lost. I think of it as credit insurance. They also ask why yu want thier service when you sign up, so they have records of people who think thier information is compromised or has been. If you read the disclosure statement its retty clear what they intend to do for you, most people who compalin about this have probably never even been to their site or read the disclosure agreement.

Here is the big question. How comfortable are you with giving ALL your personal information to Lifelock?

how well do they screen their employees who have access to a consolidation of ALLLL your information?

how secure are their computers that have ALLL the personal information of over 700,000 people?

Experian and others have regulations to meet to protect your credit information, so do banks.....Life lock has NONE.

So the Lifelock computers are a HACKERS DREAM COME TRUE...

Watch for the collapse of the company and lawsuits when their computers are compromised by a hacker or the information of customers is stolen by their employees.

$10/mo... For most people that's less than 2 hours wages put aside. As for the argument that LifeLock is not an individual, well corporations have been protected as individual entities, just like any of us here, since the 14th Amendment to the U.S. Constitution and the Case "Santa Clara County v. Southern Pacific Railroad" that came before the U.S. Supreme Court in 1886. Legally, because of how the law has been interpreted LifeLock, as a corporate person, is very likely to be found to be working within the law in this case.

As to the partner who left the company after certain issues came to light, that's one person, and he is not with the company any longer. As for the Wikipedia link, as stated earlier you cannot believe everything you read there. And at the top of that page it specifically states that "The neutrality of this article is disputed." One of the so called references is a blog, and we know just how neutral they are.

I believe LifeLock offers a worthwhile service. I believe that spending $10 a month for it is reasonable. Anyone who claims that those who use it are brain dead have never had their identity stolen, or don't know someone who has. And for those who think ID Theft is a myth, I challenge you to put your SSN with your full name and addess on the web and leave it up, without any kind of protection by LifeLock, or any other such service. After you are totally ruined, then come back and let us know how much of a myth it is.

By the way, most people pay their banks a fee each month to hold and secure their mone