31. I’m applying for new credit and I’m a client, do I need to call LifeLock?
No, it is not necessary to contact LifeLock. However, if you run into any problems or undue delays, call us at any time and we’ll expedite the process for you.
32. I already have alerts on my credit file, what will happen to them when I become a client of LifeLock?
Once your fraud alerts have expired, LifeLock will request on your behalf that the fraud alerts are reset and continue to do so as long as you stay a client or until you no longer believe that you may become a victim of identity theft. If you sign up as a client while these initial alerts are placed you will be covered by our guarantee at the time you sign up for the LifeLock service.
33. Do I need to call you if any of my information changes on my account?
Yes, contact client services with any account changes.
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34. If someone steals my credit card number, how would LifeLock handle this?
The fraud alerts that LifeLock requests are designed to help prevent 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.
35. Will signing up for LifeLock damage my credit score?
No, LifeLock will not affect your credit score in any way.
36. What questions will the creditor ask me for verification?
The creditor will ask you questions that only you would know the answer to. Most questions will be taken off your credit report. For instance, your previous address, who your mortgage is through, what your car payment is, etc.
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37. What if there’s a dispute? Will you handle it for me?
If there is a dispute, we will hire qualified professionals to do whatever it takes, for as long as it takes, to resolve the problem.
38. If the consumer can do these things by themselves, what is the need for LifeLock?
Convenience and protection; for instance, most people could change the oil in their car but don’t. LifeLock requests on your behalf that fraud alerts are placed on your credit report every 90 days so you don’t have to worry about it. However, the most important value is the $1 million dollar Service Guarantee. Remember just because you have fraud alerts placed does not guarantee you from becoming a victim.
39. Will I get $1 million if I become a victim of identity theft?
Not necessarily. We will reimburse you for any money you lose because of the theft and we will pay the costs associated with repairing the problem up to $1 million.
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40. What is the most important part of the LifeLock service?
The overall peace of mind you’ll get when you know you are completely protected from identity theft.
