Compare LifeLock

LifeLock offers individual identity theft prevention starting at $9/month with a 30 day free trial.  There program takes the most proactive approach in identity theft protection.  They go out and take all the steps that would prevent thieves from being able to access your personal information in the first place.  While many offers come with ways to monitor you identity and watch for fraud signs to occur, this offer goes to those sources to make sure fraud could not occur on your name in the first place.

The instant you sign up for the program LifeLock sends fraud alerts out to all three major credit bureaus.  This way creditors must verify your approval prior to opeing any new lines of credit.  Basically anytime someone tries to do something with you credit you will get a phone to verify the request.  While contacting the credit bureaus directly for you they will also request that a copy of your personal credit report be sent to you.  Since fraud alerts are only allowed to be placed on your account for 90 days, LifeLock will automatically update the alerts for you every 90 days.   

Another proactive measure they take is ensuring that your name is removed from all email lists.  Steps are also taken to see that you no longer receive pre-approved credit mailing lists.  These 2 areas are keys to identity theft prevention.  These are very common areas where identity is stolen.  The walletLock program will help in the instance you wallet is lost or stolen.  The will send alters to all of your credit card comapanies for you and this service is available to you full time through they customer service 24 hours a day 7 days a week. 

The full LifeLock program comes with a $1 million service guarantee.  This basically states that in the instance your ID is misused while in the program, the will pay professionals to resolve it up to the total insurance amount.  For complete information on how this feature works you should read their complete service guarantee. 
 
Overall we really liked this product based on the fact that it took the most proactive measures to prevent identity theft before it even has the chance to occur.  The yearly cost of only $99 per individual makes it one of the most affordable products on the market for identity theft protection.  The one setback is that credit monitoring is not included with it.  If you wish to only review your credit once a year then this is good, but for those of us looking to monitor our credit regularly, you may want to look elsewhere.