Q. How big a problem is Identity theft?
A.
According to the FTC, identity theft is the fastest growing crime in
America.
Roughly 10 million Americans have their personal information stolen and
misused in some way every year, costing consumers $5 billion and
businesses $48 billion annually.
Q. How do I access my account after enrollment?
A.
If you need to make a change to your account, contact client services at
the designated 800 number.
Q. Do I have to give all my credit card numbers to you when
I sign up?
A.
No, LifeLock does not prevent anyone from using your existing accounts.
However, those accounts would be covered through the guarantee. Through
the information you provide, LifeLock will place alerts to prevent anybody
other than yourself from opening new lines of credit. LifeLock suggests
you place all your account numbers in a secure place if your wallet or
purse is stolen. In such a case give LifeLock a call and LifeLock can help
contacting the credit card companies to cancel the stolen cards and
reissue new ones.
Q. Can I obtain my credit score through your service?
A.
While receiving one free credit report from each bureau each year is part
of the standard LifeLock service, your credit score in not included. By
law you are allowed one free credit report a year but you would have to
initiate the request through the bureaus yourself in order to obtain an
actual credit score. If you wish to obtain additional credit reports those
too would also need to be obtained directly from the bureaus.
Q. What happens when I apply for credit?
A.
The creditor who is issuing the line of credit will notice that you have a
fraud alert placed on your account. The issuing company has an obligation
to call you or take special precautions to verify it is you making the
request. The issuing company will ask you a series of questions to
validate it is you making the request. Once the questions are answered
correctly, the line of credit you will receive the credit for which you
would normally qualify.
Q. What happens if someone steals my credit card number?
A. The fraud alerts that we place stop someone from opening a new line
of credit. If someone gets your credit card number, first report that
credit card as stolen. If charges were placed on that card, your credit
card company should credit your account for some or all of the charges.
Should you need assistance resolving the issue, call us and we’ll expedite
the process for you.
Back to the
Identity Theft and Security Package
page.
