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Identity theft is becoming extremely critical, as my parents in their 50’s recently found out. After looking at credit card statements, they realized their identities has been compromised when a lot of adult website charges were showing up on their bill. Some how the carder (someone who uses stolen credit card numbers) got a hold of their number, tested the card to see whether it worked (he did that by making a donation in a small amount to the Red Cross), thereupon used it to buy adult memberships. After that happened my parents asked me what they could do to prevent it. I told them to change all of their online passwords for financial institutions, encrypt their wireless Web at home, opt out of pre-approved credit applications, and check their credit report regularly (which apparently they had never done).

One thing I suggested to them was to check out an identity theft protection service like Life Lock. You might have

seen their commercials which advertise their CEO’s social defense number. They do that to show you how much they stand by their product. Life lock will take you off the pre-approved credit card list, which cuts down on unwanted mail and the likelihood of identity theft, free credit reports once a year, cover child’s identity theft too, offer a $1 million guarantee whether your identity is ever stolen while you’re with Life Lock, and finally, they place monitors on your credit reports. These alerts ensure that whether anyone tries to do anything with your credit report, get new credit, change your address, expand credit lines, open a checking detail, get insurance or utilities, you will be called directly for approval before anything happens. You can really beat that offer, particularly considering it is just $10/month. That is cheap for guaranteed peace of mind.

Any readers used that service? whether so, what do you think?

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