Posted by Kevin

The Usual Yada Yada – This site is run by me, a contracted Affiliate of LifeLock, and is not owned nor operated by LifeLock, Inc.

Dear Customer,

Welcome to LifeLock and thank you for your business. You’ve taken one of the most important and effective steps in protecting your Identity. Please take a few minutes to review our Terms and Conditions Agreement.

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 you 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.

CONTACTING US

If you ever have a question or concern, LifeLock is available 24 hours a day, seven days a week.  Just call 1-877-LIFELOCK (1-877-543-3562).