lifelock / identity protection services-are they worth the money?

[stonecoldsoonerfan]

i'm not really sure they are. what do they actually do that i can't do on my own? i can call into the credit bureaus a fraud alert every 3 months without them. do they really do anything that "protects" anyone?

thanks in advance.

[boomersooner001]

Best thing to do is to freeze your credit reports and then only unfreeze the report needed that the institution will pull when you apply for a line of credit/loan. Freezing your reports will stop anyone from who you don't do business with currently from pulling your reports.

Wealth of info on this form http://creditboards.com/forums/