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The TRUTH About Lifelock and Other Credit Monitoring Services
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DO NOT Sign Up or Pay For ANY Credit Monitoring Service, Until You Have Had The Opportunity To Read This Report!
In The Time It Would Take To "Lock" Yourself Into A Lengthy, Expensive Contract With One Of The Many Cash Stealing Services, You Can Read This Short Report, Save A Ton Of Money And Impress Friends And Family (Even Your Mother In-Law!) With The Knowledge You Will Gain!
Fellow Consumer,
We have ALL heard the horror stories. Perhaps you know someone personally who has suffered terrible hardships due to the unfortunate theft of their personal information. Bank accounts drained of every last penny, thousands of dollars worth of merchandise charged to their credit cards and worst of all, the emotional torture. "Who did this?" "Why me?" "I'm ruined!!! "One minute they were living comfortably, enjoying the daily routine (although mundane!) and the next minute their world turned upside down! Imagine having this type of thing happen to you! If they have your account numbers, it is safe to assume that they know where you live, what kind of car you drive,if you are married, single, how many children you have, your social security number.....
Frightening, isn't it? Faceless information pirates preying on the trustworthy. They go through our trash, our mail and of course they cruise the net searching for unsuspecting victim's.If only that were all there was to worry about.....The biggest problem? Let's look at a VERY plausible scenario: You are shopping for a new Plasma TV. The teenage salesman informs you that for a limited time, the store will finance your purchase at 0% interest provided you don't already have credit with them. Sounds good, so you fill out the application and hand it back. Approved!! You leave with a new TV, and he leaves with ALL of your personal information. He "forgot" to shred that application. Outside in the parking lot he hands it over, along with three others, to an older guy in a BMW. The teenager leaves work $80.00 richer, and your information is soon on it's way via email to a house in Brownsville, Texas. Soon after, a visitor arrives at the house with a large backpack, and that guy leaves rather quickly (without the backpack) carrying a CD loaded with personal information, yours included. A few hours later at a remote area near the Mexican border, he hands out incredibly "real" false documents to everyone who comes across with enough money to pay for them. Get the picture? This is the "microwave" generation, and things like this do happen, and they happen before you can get your new Plasma TV up and running! That, in my opinion, is the most important reason for ANYONE to monitor their credit. There are terrorists out there who don't like Americans, and they will pay thousands of dollars to get their hands on YOUR personal information so they can come and go as they please!
OK. You are here because you made up your mind that protecting your SS# and other personal information is a priority, and it should be! Good for you! Now Let's get to the point.
There are a couple of inherent problems with "Lifelock" and the other credit monitoring services. The one that should be the most obvious, is the one that most consumers just don't see. When "contracting" with one of these companies, are you not REQUIRED to give them at least SOME personal information? Of course. You have to prove to them that..... well that you are in fact "YOU"! What are they asking for? How will they "lock" your credit file for you, without your Social Security number! What if some computer geek hacks in to their file system? Impossible? Definitely NOT! They may as well paint a bull's eye on their computer system. If our own government can [lose](http://www.guardian.co.uk/usa/story/0,,1792741,00.html) [the personal information](http://www.guardian.co.uk/usa/story/0,,1792741,00.html) belonging to MILLIONS of our brave veterans and active duty soldiers isn't it possible that it could happen to one of these "services"? I know, I know. They give you a million dollar guarantee. Better read the fine print on that one, because that's just a drop in the bucket for a company of their size, and on top of that they don't "give" you any "money" at all! It can, and will happen. Will YOUR information be "lost"? The very thing that you are PAYING them to avoid is happening as you sign up for their service!! Isn't that called an oxymoron? You are giving a complete stranger your "life", so to speak, to safeguard. I am pretty sure that the best place for your personal info is...........WITH YOU! I was told long ago to NEVER give anyone my SS#. Why do we give it up so readily? Even the cable company asks for it!! The law states that there are only two institutions you absolutely must divulge your number to.The IRS, and....you guessed it, the Social Security Administration.
The second big issue with these "services", is the fact that they don't DO much of ANYTHING! If you break it down, they actually "work" for you only about 20 minutes a year, and that is a VERY GENEROUS estimate! The cost for "basic" credit monitoring can run between $90.00 and $150.00 a year. Let's say on average, $120.00. That works out to $460.00 per hour! That is INSANE money when you think of how many customers they have. WOW! I don't know too many professions that demand that type of rate, do you? Personal injury lawyer maybe.....Hmmmm. Why is this important? Because I will show you how to do the EXACT SAME THING, and you can do it for FREE!!! Imagine that! A large company, charging consumers huge amounts of money for doing virtually nothing. A prime example of capitalism, and the ever present greed which rules corporate America.
The third problem may not be as big a deal to some, but it makes me question their abilities as well as their commitment to your well being. This applies only to Lifelock. In their "sales pitch", they liken credit monitoring to oil changing. Are they kidding? I know this is just an analogy, but for real, can't they come up with something a little better? True, changing the oil in your car is a necessity, and true, most people don't do it themselves. Why? Well, it's an extremely hot, sweaty, filthy dirty job, and it can take up to an hour for some people. Doing your own credit monitoring is NOTHING like changing oil! It only takes a few minutes, you can do it in a temperature controlled environment, and I can promise you that you won't get dirty, and you won't break a sweat. In other words, they deceptively try to make it sound difficult, dirty and time consuming! On top of that, I don't think I want anyone protecting my good name who feels it is as mundane and ordinary as an oil change, do you? They BETTER take it a LITTLE more serious, no? I sure as heck do! You only get ONE name in life, and once it is screwed up, you might as well start over! Besides, they only guarantee to "spend" up to a million dollars of "their" money to clear your name. What are they going to do, get out the overhead and "show" you how much they have spent? How could you EVER be 100% sure that they really did spend that much? You couldn't.
Picture this. A salesman calls you. "Hey Mr. Soandso, my name is Ambulance Chaser, how would you like to give me your Social Security number, date of birth, full name, mother's maiden name, yada yada yada....?". "Ok, sure no problem", you reply. "Great!" shouts the salesman, "There is just one more thing, and then I'll let you get back to watching 24. How about you give me, oh, i don't know.....around $120.00 just for taking that off your hands"
That is EXACTLY what you would be doing. Paying someone to take ALL of your information, and then trusting them to NOT abuse it! How do you think big businesses get their mailing lists they use to fill your mailbox with junk? They buy them from companies like this. Companies that compile huge databases of personal information. It's a huge market, and there is TONS of money in it. These "Sharks" are making A LOT more than $120.00 on you! Now, THAT is a GUARANTEE.
The total identity fraud losses reported to the FTC in 2006 topped $1.1 billion!!.
and the number of consumers who fall victim each year tops 10 million!!
The FTC reported that credit card fraud was the most pervasive form of identity theft at 25 percent
and the FBI has called identity theft one of the fatest growing crimes in America today!
Genius:
A genius is a person of great intelligence, who shows an exceptional natural capacity of intellect, especially as shown in creative and original work.
YOU!
Who Could Ever Forget This Image?
We Must Protect Ourselves, And Our Country!
THE FACTS
All it took was ONE employee to make [a bad judgement call!](http://www.guardian.co.uk/usa/story/0,,1792741,00.html)
Instantly, 26.5 MILLION Americans [became victims of identity theft!](http://www.guardian.co.uk/usa/story/0,,1792741,00.html)
SUMMARY
"Have I Got A Deal For You!!"
"Trust Me! You Won't EVER Have A Problem. Guaranteed!!"
Identity Theft Is A Growing Problem In America And Abroad
Protecting Yourself From Fraud Should Be A Top Priority
There Is More At Stake Than Most Consumers Realize
Paying A Complete Stranger To "Lock" Your Identity is a BAD IDEA
Keeping Your Personal Information Safe Is NOT Difficult
Protecting Your Identity Is VERY SIMPLE And It Cost's You NOTHING!
The Technique Allows You To Monitor Your Credit AT THE SAME TIME!
You Can Receive Your FREE Credit Report FIVE TIMES PER YEAR!
There Is NO NEED To Sign Up For Any "Advantage" Program
Safegaurding Your Good Name Is More Important Than "Changing Oil"!
Understanding The Credit "System" Gives YOU The Upper Hand!
"Knowledge = Power", And "Power = Money"
Congratulations for making it to the end of my rant! Seriously, uninformed consumers lose hundreds if not thousands of dollars each year, simply because they haven't taken the time to learn about the credit bureaus and how their system works. Like any system, if you understand how it operates, you can take full advantage of it's faults and weakness', allowing you to control IT, rather than IT controlling you! A few years ago, I came to a point in my life where learning this system became a matter of survival for not only myself, but also for my two children. Through a string of unfortunate events, my income was cut by two-thirds and suddenly, I found myself raising a family alone! After month's and month's of boring, yet informative research, I was able to salvage what was left of my credit without the help of a lawyer, without bankruptcy and I never enlisted the services of a debt consolidation firm or credit repair specialist. The battle is almost over, I am the one calling the shots now, and it has made a HUGE difference in my life. That is where this website comes in to play. I truly want to help other consumers win the battle, and the first step is to secure your personal information without giving it to someone else first! Now, before you go, please ask yourself if you honestly know the answers to ANY of the questions listed below:
Did you know that "FreeCreditReport.com" is NOT truly free? That's right, you MUST sign up for a "30 day trial" of their "Triple Advantage Program". This requires the use of your credit card, and be aware, reports indicate they are a little "shady"!
Did you know that there is a place to get your credit report with ABSOLUTELY NO OBLIGATION? It's not only true, it's FTC approved!
Do you know what your Social Security number says about you? There are Americans out there being "tracked" by Big Brother, and you could be one of them! A certain series of numbers in YOUR SSN puts you in that group!
Are you aware that Equifax, Trans-Union and Experian are NOT the only reporting agencies? There are SEVERAL others, and ignoring them can cost you BIG MONEY!
Do you know how to get a $25,000 unsecured loan shown as "paid in full" in just three month's, without purchasing anything? This technique WILL change your life, and if you are a business owner struggling to get credit, you NEED THIS NOW!
Do you pay off your credit cards evry month, thinking this will enhance your credit rating? WRONG! Doing this actually gives you less credit! Learn the simple formula that builds credit FAST!
Wish you had a higher limit on your credit cards? The absolute easiest and quickest way to make this happen, and how it could change your life!
How much do you know about the "fine print" or "user agreement" for each credit card you have? Most card issuers charge you interest from the date of purchase, long before they have paid the merchant on your behalf! Find out if YOU are being ripped off!
Are you self employed? This really hurts your chances of getting credit and, in my opinion, is flat out discrimination! Learn how to circumvent this issue easily!
Are you aware that you can create an "alternate" credit file? This method is little known, and is 100% ethical and legal.
Do you know ANY of the credit laws designed to protect consumers? Knowing jsut a few of these could save you thousands!
Do you have ANY idea how your credit "score" is calculated? If not, you could be missing out on the "finer things in life!" Learn how to improve it, and how to keep it there!
Do you know how to get AAA credit, in as little as 30 days, without risking any of your own money? Learn a surefire method that will allow you to do just that!
Did you know you that nearly EVERYONE has a "Hidden" credit history that can boost your credit virtually overnight? Another incredibly simple, but little known technique, that you could have working for you in the next few minutes.
Well? How did you do? If you were able to answer "yes" to a majority of these questions, maybe you don't need this book. Just don't forget that all of this is bonus information, as you will also receive the ID theft protection/credit monitoring system that brought you here in the first place! I have SO MUCH CONFIDENCE that this publication will make a HUGE difference in your life, I am going to give it to you FREE OF CHARGE! That's right, all you have to do is click the "sign" below and download the file! This incredible, eye opening book will be sent to you immediately, via an auto return email system, in PDF format NO STRINGS ATTACHED! As I stated earlier, my primary goal here is to EDUCATE CONSUMERS, and nothing more.
Thank You For Visiting!
Your Ally In The Credit Battle
William C. Curtis
The "How To Gooru"
To take advantage of this offer, all you have to do is click the "Life Guard" sign below and you will be directed to the download page!
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