Lifelock 2020 Review: Is Lifelock legit?

Find out what you need to look for when picking a credit monitoring company. The right company provides accurate scoring (& protects your ID)!

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122 people signed up to FIX their
credit (in the last 60 minutes)!
122 people signed up to FIX their
credit (in the last 60 minutes)!

Lifelock has an F rating with the BBB. They have been helping their customers keep an eye on their credit since 2001. These alerts let customers fix problems. Want to get the most from credit monitoring? Team up w/ a reputable credit repair expert — like Credit Glory — then you're equipped to squash credit problems (fast)!

Who is Lifelock (& do they provide accurate scores)?

Lifelock offers credit monitoring services for those who are ready to take control financially. If you're planning on buying a home, a car, or need a loan, monitoring your credit is vital. Why? Nasty credit score (& report) related surprises can throw a wrench in your plans (@ the worst possible time).

The crux to credit monitoring services? How accurately they report your score. Sure, the cost, reviews, and additional services are significant too — but w/o a precise score, how legitimate can they be? There is good news. Most credit reporting companies (including Lifelock) provide accurate, up-to-date scores.

If you're unhappy about the reported score, you aren't helpless. The (most efficient) solution? Partner w/ a reputable, credit repair professional (like Credit Glory) & find+correct mistakes (boosting your score).

3 critical items you need to consider before monitoring your credit

1. If you aren't monitoring your credit, you need to be.

If you're planning on getting a loan, you need to know your credit score first. Using credit monitoring tells you your score — and it also alerts you when there are changes. Knowing about potential identity theft, fraud, or data breaches prevents your credit score from taking serious hits. Additionally, knowing your score helps you set goals and plan, so you can get a low rate (& great deal) on a loan.

2. Don't get scammed by illegitimate credit monitoring services.

Credit monitoring at a low price (or free) sounds like a deal, right? Wrong, this is a big red flag that it may be a scam. You also encounter another (big) reason to proceed with caution. Signing up for a credit monitoring service involves sharing sensitive information. What can you do for security?

The best way to protect yourself (& your identity) is looking for common red flags. A few are:

  • Asking for personal information over the phone or email.
  • Requiring payment through money order or gift cards.
  • Poor ratings or customer reviews with an accredited agency (like the BBB).

Last, and certainly not least, do your due diligence. Anytime you fork over personal information to a company you need to do your research & verify credibility. The good news? You're reading this review, so you're too smart to be grifted by con-artists.

3. An essential (& often overlooked) component of credit monitoring - identity protection (& does Lifelock offer it?)

Good credit requires more than just monitoring. A critical component? Identity Protection. Without ID protection fraudsters could wreck your credit in the blink of an eye. In fact, according to the FTC, 9 million identities are stolen every year! The bottom line? You need identity protection w/ your credit monitoring package.

The good news? Lifelock includes ID protection in their premium plans. With this crucial component, you have more comprehensive monitoring.

What's the verdict on Lifelock's credit monitoring — legit or scam?

  • Can you sign up for free? - No, the standard plan with Lifelock is $8.33 per month ($99.99 per year) & the Ultimate Plan with ID protection is $25 per month ($299.99 per year).
  • Is it safe to monitor credit with Lifelock? - Lifelock partners with Norton for extra security.
  • Do they offer an app? - Yes, you can use Lifelock on your mobile devices.
  • Is there a cost to cancel? - There isn't a cost to cancel.
  • Do they include ID protection? - If you purchase the Ultimate Plus plan you get enhanced ID protection.
  • What makes Lifelock special? - Lifelock monitors your social security number and identity, in addition to your credit.
  • Will checking my credit score with Lifelock lower my score? - Checking your score with a credit monitoring company won't lower your credit score.

Our recommendation: should you work with Lifelock to monitor your credit?

If you have the cash to spend — and wan't the best in protection — then Lifelock is a great choice. The downside? You're going to pay a premium for those services. That's why IdentityIQ is the better choice for unmatched monitoring+protection.

Why IdentityIQ is the best credit monitoring service for you (over Lifelock)

Monitoring your credit is great, but what about complete protection? For complete protection, you need a partner that monitors your credit and protects against identity theft. That’s where IdentityIQ offers a better solution than Lifelock.

Besides credit monitoring, they monitor the dark web and let you know if something fishy is going on. What if someone steals your identity? IdentityIQ provides up to $1M in stolen funds coverage.

What credit monitoring does & doesn't do for you

First, let's start with what credit monitoring does do for you. Every company (& monitoring plan) has different aspects that they track. In general, monitored items include several principal areas such as:

  • (Hard) Inquiries
  • New accounts opened
  • Current balances
  • Payment history
  • Bankruptcies

This watchdog is a powerful tool — but there are limitations. It functions like an alarm. It alerts you to an issue, but handling the problem is up to you. Dealing with inaccurate (or incorrectly reported) items in these areas is an entirely new problem that monitoring alone can't solve. This is where credit repair, either on your own or with an experienced expert, saves the day.

Credit monitoring + credit repair: A holistic approach to your credit

Credit monitoring is only half the equation for healthy credit. The other half? Credit repair. Credit monitoring alerts you to errors — but doesn't fix them. Removing the errors (& boosting your score) is a job for credit repair.

You could take on a notoriously convoluted credit industry and repair on your own (good luck w/ that). The better way? Partner with a reputable credit repair company (like Credit Glory). Credit Glory has the experience to fix errors in all areas monitored by credit monitoring companies.

Why Credit Glory + IdentityIQ = your best credit score

  • Identify (& fix) errors quicker - Combining credit repair & monitoring, puts you in the driver's seat. You're equipped to handle any credit issues that come your way.
  • Boost your financial confidence - An expert team — ready to pounce on any credit issues — gives you the confidence to reach your financial goals. You can apply for the loans you deserve (w/o worrying about credit surprises).
  • Take control of your finances - Monitoring your credit and hiring a company to correct mistakes is the smart move. It puts you in control of your credit (& future). Nothing says you're serious about your goals like taking charge of your finances.

Boost your score with Credit Glory

Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up.  The good news?  Our team of credit repair professionals are here to simplify everything!  Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)

Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.

Call us at (855) 938-3044 or setup a consultation to get started, today!

Why choose Credit Glory?

Lexington Law
Sky Blue
Price
$99/m (+ small, one-time $199 review & setup fee charged once your letters are sent)
$90–$130/m ($130 most popular)
$79/m (+$79 review/setup fee)
Customer Service
World-class 24/7/365 customer support
5 days/wk (M-F), 7 A.M.–7 P.M.
5 days/wk (M-F) 9AM-5PM
Guarantee
Industry-leading 90-day, 100% money-back guarantee (if we remove no negative items)*
None
Money-back guarantee
Reputation
A+ BBB rating (4/5 stars)
No BBB rating (2/5 Stars)
C- rating w/BBB
*Less the initial setup fee
Accurate as of October 28th, 2020

Start Fixing Your Credit, Today!

Call and start your credit repair process, today! Don't let inaccurate items on your credit report hold you back.