Your were introduced to Life Lock on Celebrity Apprentice and now you want find out more about Lifelock. Lifelock normally costs $10 a month but by using the promo code entpub you will get all the benefits of their identity protection services for only $9 a month.
Here are the main benefits from the Lifelock Website
First, once you confirm that you have a good faith suspicion that you have been or are about to become a victim of identity theft, we ask the credit bureaus to set free fraud alerts on your behalf.
Second, unless your suspicion changes and you tell us not to, every 90 days or so we ask the credit bureaus to do it again.
Third, we request that your name be removed from lists of pre-approved offers for credit cards and/or insurance. Several sources cite these type of pre-approved offers as one of the many ways identities can be stolen. Many of our members tell us that this alone is worth the price.
Fourth, we order your free credit reports on your behalf from the major credit bureaus and they are sent directly to you. We do this every year.
Fifth, hassling with lost or stolen wallets is no longer a problem with WalletLock™. If ever your wallet goes missing, just give us a call – anytime, anywhere – and a WalletLock specialist will help you contact each credit card, bank or document issuing company, cancel your affected accounts and complete the paperwork and steps necessary to replace your lost documents*, including your credit/debit cards, driver’s license, social security card, insurance cards, checkbook – even travelers checks – at no additional cost.
Sixth, we help you shut down potential identity threats fast with our identity monitoring package:
Last, but certainly not least is our $1 Million Service Guarantee:
Remember by using the Life lock promo code entpub you will also save an additional $1 a month for every member of your family. We thank all the celebrities on Celebrity Apprentice for introducing you to Lifelock.
Celebrity Apprentice Lifelock promo code entpub
Step 1 – Place a fraud alert
Place a Fraud Alert on Your Credit Report.
If you have been a victim of identity theft or you worry about someone using your identity – you need to place an initial fraud alert on your credit report
You need to know:
- What is a fraud alert?
- How you can place a fraud alert.
- And that you are entitled to one free copy of your credit report.
A fraud alert allows you to take control of who issues you credit and when credit cards are issued in your name. The fraud alert tell any company that uses your credit report, such as a bank or insurance company; they must contact you before they can issue credit, arrange loans, open accounts, increase credit lines, or open new credit card accounts. If a company can’t contact you directly at a number you designate or if you do not approve the transaction, the transaction stops.
You can contact each of the bureaus individually, (they say they share the information but that is not a 100% guarantee)
TransUnion Fraud Victim Assistance Department Phone: 800-680-7289 Fax: 714-447-6034 P.O. Box 6790 Fullerton, CA 92634-6790 Equifax
Consumer Fraud Division Phone: 800-525-6285 or: 404-885-8000 Fax: 770-375-2821 P.O. Box 740241 Atlanta, GA 30374-0241 Experian
Experian’s National Consumer Assistance Phone: 888-397-3742 P.O. Box 2104 Allen, TX 75013 Or you can set your fraud alert Online. Learn more about Fraud alerts from Experian at their website.
An excellent resource for information about Identity Theft is a government website I want to quote a little from their site about fraud alerts. "An initial fraud alert stays on your credit report for 90 days. When you place this alert on your credit report with one nationwide consumer reporting company, you’ll get information about ordering one free credit report from each of the companies. It’s prudent to wait about a month after your information was stolen before you order your report. That’s because suspicious activity may not show up right away. Once you get your reports, review them for suspicious activity, like inquiries from companies you didn’t contact, accounts you didn’t open, and debts on your accounts that you can’t explain. Check that information – like your SSN, address (es), name or initials, and employers – are correct."
Notice two things the site tells us about fraud alerts;
1. Fraud alerts are only good for 90 days – that means you have to remind yourself to reset the fraud alert every 90 days. (That’s one of the reasons I pay LifeLock to reset my alerts every 90 days.)
2. Setting a fraud alert entitles you to a free credit report, without going to one of those online places that give you a free credit report so they can sell your personal information.
It is very important that you set a fraud alert with the credit reporting agencies to protect your identity. I am sharing with you what you can for free. I use a company called LifeLock (if you are interested in LifeLock just click on the word LifeLock and you will be brought to their website. LifeLock provides identity protection and is a great investment.
Step 2 – Opt out of preapproved credit offers
An identity thief would love to snatch you preapproved credit offer and redirect your new credit card to his wallet. Don’t let that happen. You can opt out of preapproved credit card offers. The Federal Trade Commission issued an alert that you can say "just say no" to Unsolicited Mail at their website.
Let me quote from the Federal Trade Commission’s website.
"The credit bureaus offer a toll-free number that enables you to “opt-out” of having pre-approved credit offers sent to you for five years. Call 1-888-5- OPTOUT (567-8688) When you call, you’ll be asked for personal information, including your home telephone number, your name, and your Social Security number. The information you provide is confidential and will be used only to process your request to opt out of receiving pre-screened offers of credit." 0r visit their website for more information.
"In addition, you can notify the three major credit bureaus that you do not want personal information about you shared for promotional purposes—an important step toward eliminating unsolicited mail. Write your own letter or use the sample letter on the back of this Alert to limit the amount of information the credit bureaus will share about you. Send your letter to each of the three major credit bureaus:
Experian 901 West Bond Lincoln, NE 68521
Attn: Consumer Services Department
TransUnion Name Removal Option P.O. Box 505 Woodlyn, PA 19094
Equifax, Inc. Options P.O. Box 740123 Atlanta, GA 30374-0123
Another option is to use a paid service like I do. Lifelock will not only get your name removed from the credit bureaus opt in list but it put a fraud alert on your account every 90 days. By clicking on my Lifelock hyperlink with the promotion code entpub you will save $1 every month while you protect your identity.
Sample Opt-Out Letter (Send to addresses listed above.)
Date
To whom it may concern:
I request to have my name removed from your marketing lists. Here is the information you have asked me to include in my request:
FIRST, MIDDLE & LAST NAME
(List all name variations, including Jr., Sr., etc.)
______________________________
CURRENT MAILING ADDRESS
______________________________________________________________
______________________________________________________________
PREVIOUS MAILING ADDRESS
(Fill in your previous mailing address if you have moved in the last 6 months.)
______________________________________________________________
______________________________________________________________
SOCIAL SECURITY NUMBER
______________________________
DATE OF BIRTH
______________________________
Thank you for your prompt handling of my request.
______________________________
Signature
Step 3 – Inspect Your Credit Report
The FTC has some excellent information about detecting identity theft.
“Detect suspicious activity by routinely monitoring your financial accounts and billing statements. If you are unable to take these steps while you are deployed, consider placing an active duty alert on your credit report.’
“Inspect: Your credit report. Credit reports contain information about you, including what accounts you have and your bill-paying history.
”
“The law requires each of the major nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to give you a free copy of your credit report every year if you ask for it.”
“Visit www.AnnualCreditReport.com or call 1-877-322-8228, a service created by these three companies, to order your free credit reports each year. You also can write: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.”
“Your financial statements. Review your financial accounts and read your billing statements regularly, looking for charges you did not make. If you review financial accounts online from a public computer, be sure to log off financial sites before you end your session.”
“Be alert to signs that require immediate attention:
- Bills that do not arrive as expected
- Unexpected credit cards or account statements
- Denials of credit for no apparent reason
- Calls or letters about purchases you did not make “
From:http://www.ftc.gov/bcp/edu/microsites/idtheft/military/detect.html