any good identity theft protection companies?

Question

i'm trying to find a good identity theft protection company who is good. i can't decide or find one. i was going towards lifelock but then i heard there was a scam and that they are being sued. Is this true? if so, then what are some alternatives to lifelock, but if not, what is better to pay for...the basic or the command center in lifelock. please help! i've had soo many things put under my name and i'm only 19!

Answer 1

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I have wondered about LifeLock too. One of the lawsuits was filed by Experian - a credit reporting bureau - claiming that Lifelock did not have the right to put a credit freeze on behalf of their (Lifelock's) customers' accounts. It was a legal interpretation of the law that in disagreement. I don't know the result of that lawsuit or if it has been appealed.

The credit bureaus have all tried to keep laws from being passed that allow us to put credit freezes on our credit information at their business. But we should have the right to disallow other people or businesses from having access to our credit history, and should have the right to notify businesses that seek to extend credit that they are not supposed to !

Have the credit bureaus put a freeze on your credit information.

If many "things" have been put under your name, you have a huge problem.

The first action you should take is to go to the police and fill out a police report that you are a victim of identity theft.

The local police probably have no jurisdiction over whoever is committing the identity theft, the culprits could be in another state, but the report is essential.

The people who commit identity theft are probably also doing the same to other people, so with information from you the investigators will try to match other reports to find a pattern that allows them to find the persons responsible.

With that police report, you then send a copy of the report to the credit bureaus explaining the fraud committed in your name, and request a credit freeze. You also should get credit reports back from the bureaus listing all of the businesses that have filed reports against "you" and then you will send copies of the police report to those businesses and notify them they were defrauded by someone committing identity theft using your name and they are to notify the credit bureaus of that fact.

A lot of problems with identity theft would go away if the businesses would take a photograph of the person who is applying for credit with the person who is granting the credit.

Any "contracts" that were signed by the persons committing identity theft before you were 18 years old are unenforceable against you anyway.

Once you have gotten all of these notices done and letters sent out, after about two months, if the businesses you have notified continue to contact you, you might have to get a lawyer to send out "cease and desist" notices to make the businesses stop.

Wikipedia articles:

LifeLock

http://en.wikipedia.org/wiki/LifeLock

Identity Theft

http://en.wikipedia.org/wiki/Identity_theft

Identity document forgery

http://en.wikipedia.org/wiki/Identity_document_for...

Credit History

http://en.wikipedia.org/wiki/Credit_history

Fair Credit Reporting Act

http://en.wikipedia.org/wiki/Fair_Credit_Reporting...

Comparison of free credit report websites

http://en.wikipedia.org/wiki/Comparison_of_free_cr...

Fair and Accurate Credit Transactions Act

http://en.wikipedia.org/wiki/Fair_and_Accurate_Cre...

Others:

The only website for requesting free credit reports from all three credit reporting buureaus - with no stupid gotchas.

https://www.annualcreditreport.com/

But don't just believe me, check the Federal Trade Commission website at

http://www.ftc.gov/

Free Reports:

http://www.ftc.gov/freereports

TonyRB

Thursday, December 31, 2009

Answer 2

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RE :Any good identity theft protection companies?

i'm trying to find a good identity theft protection company who is good. i can't decide or find one. i was going towards lifelock but then i heard there was a scam and that they are being sued. Is this true? if so, then what are some alternatives to lifelock, but if not, what is better to pay for...the basic or the command center in lifelock. please help! i've had soo many things put under my name and i'm only 19!

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Answer 3

Any good identity theft protection companies?

T.R.Y

T.H.I.S.

S.I.T.E

W.H.E.R.E

Y.O.U

C.A.N

F.I.N.D

T.H.E

B.E.S.T

S.O.L.U.T.I.O.N

F.O.R

Y.O.U

Source(s): http://credit-solutions.info/bestfinanceandcredits...