If you tried the free trial or just want to cancel LifeLock, the company doesn’t make it easy. According to the company itself, you have to either call them or raise a support ticket, but they aren’t your only options as you shall see here.
LifeLock is an identity theft protection company that hasn’t been without controversy. Whether it’s the CEO uploading his social security number because he was so confident his service works, numerous lawsuits if faced or the complaints from users about how the service offered no real value, LifeLock has a unique place in our consciousness.
By the way, the CEO, Todd Davis has apparently had his ID stolen thirteen times after posting his social security number online. Not such a good advert for the company!
Now owned by cyber security giant Symantec, the company offers a revised range of identity theft protect services from $9.99 a month up to $29.99 a month plus tax. The company makes it easy to sign up and give them your money but as difficult as possible to stop.
Cancel your LifeLock subscription
The firm only offers two ways to cancel your subscription, by phone or through a support ticket. Given that you can enroll at any time through the website, pay through an automated pay system and manage your account through a secure portal, this seems a little shady. Nevertheless, it is how they do things.
To cancel your LifeLock subscription, call 1-800-608-2415 or raise a support request through this link. While it is always better to play by the rules of the game, you can also just cancel the payment with your bank too.
Can I use other methods to protect my identity?
Essentially, LifeLock is a form of insurance that seeks to protect or alert you to attempt to steal your identity. The service isn’t cheap but there are free ways to protect your credit score and identity.
Here are some of the services LifeLock offers and their free alternatives.
LifeLock places fraud alerts on your credit report with all three agencies. Fraud alerts are largely pointless as many retailers simply ignore them and they expire after 90 days. You can ask for these to be set yourself if you have reason to believe your identity has been stolen or has a substantial risk of being stolen.
Your name is removed from credit card pre-screening. Pre-screening is a somewhat desperate move to get you to take more credit by checking your credit report and then sending you a pre-qualified credit card offer. These screens do not hurt your credit score but can be an avenue for identity theft. You can opt out yourself at https://www.optoutprescreen.com. Further information is available here.
You get an annual copy of your credit report so you can check entries. You can get this yourself by asking for it. You are entitled to one copy per year of your credit report and you can order it from this website.
Monitor criminal websites for your personal data. What? How? Most criminal websites that trade IDs are on the dark web and no monitoring software in the world is going to be able to find them let alone track and keep an eye on them. Plus, if an organization knows of the existence of criminal databases, they are duty bound to report them. I personally would not believe this claim for a second.
Credit checks are part of life now. You need one to get a phone, credit card, insurance, rent an apartment and all manner of things. You don’t need to pay a company a hefty monthly fee to protect it when you can do it yourself by freezing your credit reports.
Protect your identity with a credit freeze
Freezing essentially locks your credit report to stop organizations accessing it and passing on the details to fraudsters or criminals. For example, someone steals your identity, goes into a store and tries to buy a cellphone contract in your name. The store assistant will perform a credit check as usual, but rather than freely accessing the report, it will show as frozen and not come up. The criminal will not be able to get the contract or do anything else that requires a credit check. This protects you from the worst effects of identity theft.
All three credit reference agencies allow freezing, in fact, it is your legal right to freeze your report. Experian outlines it here. TransUnion outlines theirs here. Equifax outlines their freeze option here. There is a fee involved but it is much lower than LifeLock. Each organization provides you with a ‘thaw’ PIN which you use whenever you want a product or service requiring a credit check. You give the organization the PIN, they access your report as normal and it remains locked to all other entities.
I cannot say whether LifeLock is worth your money or not. What I can say is that most of the services they offer are available elsewhere for a lot less money.