Life Lock Review - Do it Yourself Or Life Lock?

October 24, 2013 by oboe59ash   comments (0)

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Can you put a fraud alert on your credit profile yourself? Sure you can, you must notify all three credit bureaus every three months to put a fraud alert on your credit profile. Fraud alerts come in three flavors:

1. You can put a three month fraud alert if you suspect identity theft

2. A one year fraud alert can be obtained if you are an active military consumer

3. A seven year fraud alert will require you to show proof that your identity has been stolen by submitting a copy of a valid identity theft report to the credit bureaus that you have filed with a Federal, State or local law enforcement agency.

Equifax: 1-800-525-6285 P.O. Box 740241, Atlanta, GA 30374-0241

Experian:


1-888-EXPERIAN (397-3742)


P.O. Box 9532,


Allen, TX 75013

TransUnion:


1-800-680-7289


Fraud Victim Assistance Division, P.O. Box 6790,


Fullerton, CA 92834-6790

Life Lock - Opt Out

The next thing Life Lock will do is request that your name be removed from junk mail lists and pre-approved credit offers. This is one of the main methods identity thieves will use to get a hold of your identity.

DIY - Opt Out

Can you request your name be removed from junk lists and pre-approved credit offers? Once again, yes you can, but you may have to make the request multiple times before you are completely removed. As I am sure you know, advertising is a very lucrative business and companies don't give up easily on potential prospects.

Listed below is information on the organizations you can contact to have your name removed from various mailing lists.

Credit Bureaus

Keep in mind that the credit bureaus may have different requirements for opting out. You can write a letter to request your personal information not be shared or used for promotional purposes.

The national credit bureaus offer a toll-free number that enables consumers to opt-out of all pre-approved credit offers with just one phone call. You can call 1-888-5-OPTOUT (1-888-567-8688) or you can go to the OptOutScreen website.

Department of Motor Vehicles

State departments of motor vehicles (DMVs) keep a lot of personal information about you. (Take a look at your driver's license, for example.) The Drivers Protection Act offers you privacy rights concerning your information maintained by DMVs. The law sets limits on how your information can be used. A DMV agency can give out your personal information for things such as law enforcement, driver safety, insurance underwriting, etc.

Recently, an amendment was made to the law which now prohibits DMV from giving out your personal information for other types of uses, including for direct marketing, unless you give them permission.

You should contact the DMV in your state for more specific information.

Direct Marketers

The Direct Marketing Association's (DMA) Mail Preference Service allows you to opt out of receiving unsolicited commercial mail from various national companies for five years. When you sign up for this service (a $1 fee), your name will be put in a 'delete' file and made available to direct-mail marketers. This will only help you for mailings from organizations who use the DMA's Mail Preference Service. Your registration won't stop mailings from organizations that don't use this service.