Protecting your children and yourselves from
Identity Theft is the first step
to Protecting Their Future.

• Why should I protect my children from identity theft, why are they at risk?
• But my child hasn't even established a credit history yet, how can their credit be good?
• How does that directly affect me?
• How can identity theft damage someone's credit, such as my credit score?
• What is the single best way to protect my family against identity theft?
• Is Lifelock 100% perfect?
• I've had mail stolen, and lost my wallet in the past, and who knows how much information I've entered over the Internet, how much am I at risk from identity theft?
• How can I discover if my identity has been stolen?
• How do thieves get my personal information in the first place?
• How much does it cost and do you have discounts?
• I am really interested but need some time to pay, what can I do?
• Can I sign up my child(ren) by themselves?

Q. Why should I protect my children from identity theft, why are they at risk?

A. Congress passed a series of laws in 1986 reforming the federal tax code, and since the early 1990's it has been required by law that we get a social security number for our children shortly after birth. You should guard this number using every possible means to prevent it from being stolen. Social security numbers are what identity thieves are after to open a line of credit. They think nothing of what it's going to do in damaging your child's future credit history. Identity theft crimes are becoming more sophisticated every year, which increases the chances of your family becoming victim to this tragedy.

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Q. But my child hasn't even established a credit history yet, how can their credit be good?

A. That's why it's so valuable, it has no bad history. There are no late payments reported, no bankruptcies, nothing to trigger a loan officer from thinking twice that this would be a good credit risk and offer the identity thief a line of credit.

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Q. How does that directly affect me?

A. If your child isn't protected from identity theft, they are the “ weakest link ” in your family. Just because you may be protected against identity theft doesn't mean you won't have to spend time cleaning up your child's credit history from identity theft. If you had your identity stolen, and your credit damaged, you could be spending hundreds of dollars, even thousands on legal fees attempting to clear it up. It takes an average of 171 hours to clean up false charges, much of that is during working hours, meaning you're going to lose time away from work. You're going to be spending as much time cleaning up the damage whither it was your credit or your child's. This is how it directly affects you.

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Q. How can identity theft damage someone's credit, such as my credit score?

A. An Identity theft will use information they have stolen, such as a social security number, to obtain credit. Once this credit line is opened, they will push it to the limit quickly, and never care about repaying anything. This balance now goes unpaid, month after month, being reported to the credit bureaus as late and never being paid on. This will be extremely difficult to clear up, because you have to now prove it wasn't you spending the money, and you may spend years and hundreds of dollars on legal fees just to get back to a clean credit history. You will get calls eventually from the lender, persistent calls, letters, threats of lawsuits, and the identity thief is long gone, leaving you to clean up the disaster.

If your credit history is damaged due to identity theft, you will find it extremely difficult to get a loan for even a car, school loan, new credit card... Your credit score is more valuable than you think. There were efforts to link a credit history and credit score, to obtaining a job, obtaining insurance… but these were blocked for now, but there is nothing to prevent those who started it from trying to make it law once again.

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Q. What is the single best way to protect my family against identity theft?

A. There are many steps you can take to prevent it from starting, and we will cover those within this document, but the single best way is to have a professional service who knows about this business to help you. The professional service must be one that works toward PREVENTING identity theft, not just a reporting service. Most services only alert you after theft has occurred, but one service, LifeLock, puts a guard in front of your identity, preventing theft from starting.

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Q. Is Lifelock 100% perfect?

A. Lifelock offers a $1 Million service guarantee in case a credit issuing organization, such as a bank, fails to do their job and check your credit before offering a loan. Once you're a member of Lifelock, a fraud alert is placed on your credit. This signals credit issuing organizations, such as banks, to contact you first before offering the credit, which may not be you, but someone posing as you about to damage your credit. This would be one way that is out of Lifelock's control to prevent identity theft, however, they have done their part to protect you, and the credit issuing company must do theirs to fully protect your credit.

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Q. I've had mail stolen, and lost my wallet in the past, and who knows how much information I've entered over the Internet, how much am I at risk from identity theft?

A. You may have seen Lifelock's commercials with the truck driving around town with Lifelock's owner's social security number in BIG LETTERS, this is probably the biggest risk anyone could take. Your information may be already out there in thieves hands, ready to use. Some thieves steal so much that they can't use it all immediately, but hold on to them until the current identity they've stolen become too risky to use, and they switch over to the next stolen identity. It's important that you keep your social security number from being stolen, and even more important that you're protected from it being wrongfully used. Just like the big truck with the social security number written on it, as long as it can't be used by identity thieves, you're protected.

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Q. How can I discover if my identity has been stolen?

A. Just like the big truck driving around with the social security number on it, and many thieves may have written it down to attempt to use it, but if they don't attempt to use it for credit purposes, it may never be discovered that it was stolen. If your identity has been stolen, but never used, you're as safe as if it had never been stolen. You may only discover it was stolen if an attempt is made to use it fraudulently. You should also get a copy of your credit history at least annually, if not more often. Review it closely to see if there is anything listed that you don't know about. That is being proactive and not waiting for last minute surprises.

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Q. How do thieves get my personal information in the first place?

A. There are so many ways. If you don't shred personal information before you throw it away, you're at risk. Even credit card offers you get in the mail can be retrieved from the trash you put out for garbage collection. Thieves will fill the request in with a change of address request, and the credit card is now sent to that new address, charged to the max. Who is going to get the phone calls from not paying anything on the huge balance, you will. Stolen mail from your mailbox is another form of identity theft. We have to give our social security numbers when we see a doctor, starting schools, visit dentists, and associated with our shot records. It ties us to our history, and we don't need someone damaging it for us. There is so much in the news lately, about businesses that have old records and only keep them for 10 years, and just toss out boxes and boxes of peoples personal information without caring. They may have just gone out of business and don't care anymore. Your social security number hasn't changed in those 10 years, it's still valid, and can be used without your permission.

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Q. How much does it cost and do you have discounts?

A. We do have instant discounts you can use right now and you can be protected from this point forward. Children under 16 can be covered at even greater discounts. Adults can also use this same special offer to sign up all the members of your family and not have any weak links for identity thief.

Normal annual price for adults is $120, but with our promotional code “kids”, each adult can save $21 today and sign up for only $99. This is so much less than the cost of trying to clean up after identity theft. The normal annual price for kids under 16 is $30, but you can use the same promotional code “kids” and protect your children for only $22.50 each.

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Q. I am really interested but need some time to pay, what can I do?

A. Lifelock knows you want to be protected quickly, and offers a 30 day free trial. Sign up today and get your family protected from identity theft, and not pay anything for 30 days when you select here -> “kids30”. We're confident you will sense a new peace of mind and rest assured that you've got a professional identity theft protection service working for you behind the scene, that you will wonder how you did without this for so long, and you're getting the first 30 days FREE.

We even offer a monthly plan with the 30 days FREE too. Only $9 per adult, and $2.25 per kid, just select here -> “kids30” and select the monthly plan after you get to the sign up page. REMEMBER, you must select here -> “kids30” or make sure you mention it to the operator if you call to get the special discount.

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Q. Can I sign up my child(ren) by themselves?

A. Lifelock requires at least one parent to join with your children. You can sign up all your children even if there is only one parent that can sign up today.

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