How is LifeLock different from a credit monitoring system?

Credit monitoring is a service - often provided by the credit reporting agencies themselves - that monitors a consumer's credit report for activity and alerts you to changes in exchange for a fee. Some people compare us to credit monitoring services, like those provided by the credit bureaus. But we're not credit monitoring; credit monitoring focuses exclusively on after the fact reporting. In fact, we like to think of ourselves as the next generation. Which would you rather have, a lock on your door keeping the thieves out, or an alarm telling you after the thief has ripped you off?

We think most people would prefer to keep the thief out in the first place. And that's what we do. As our name states, we're the lock, and you hold the key.

Credit monitoring services will often alert you if there has been a change on your credit report, within 24 to 72 hours. It is then your responsibility to check the information for accuracy. Services like these do not actually prevent the crime of identity theft, nor will it help fix the problem. What happens if your Identity is stolen when you have credit monitoring? Does the credit monitoring service hire and pay for professionals to do the work to help you resolve it? No. Virtually all of the studies we've seen out there say that you will spend at least an average of 30 hours repairing the damage done by an identity thief - FTC Identity Theft Survey Report. That's where we can help. If your identity is stolen while you are a Member of LifeLock, we're going to go out and hire the right people to work for you to get your good name back.

You can read all the details of our $1 Million Service Guarantee in the Terms & Conditions Section of our website. And don't forget that we also provide our eRecon and WalletLock services too.