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If LifeLock requests reports on my behalf, do I still get my 3 free reports per year?
May 7th, 2009 - Posted by Caitlin
The following post in our Reader Question series is an actual user submitted question. To maintain the integrity of the original question, we do not edit or change reader questions in any way.
Q: Each person is entitled to a free credit report from each of the 3 bureaus each year. If LifeLock requests the reports on a client's behalf, can the client also request a free report from each bureau directly in the same calendar?
A: You are entitled to a free credit report from each of the 3 credit bureaus per year. You can request these free credit reports at AnnualCreditReport.com, which is a central website sponsored by all 3 bureaus. When LifeLock requests credit reports on behalf of its clients, these reports do count toward your limit of one per bureau per year. However, when you purchase a credit report from one of the credit bureaus, or when you recieve free credit reports from credit monitoring services such as CreditCheck Total, or other identity theft protection services such as Identity Guard, these are unrelated to your 3 free reports and do not count against that limit. If you purchase credit reports or recieve them from a credit monitoring service, you can still request 3 free reports per year from AnnualCreditReport.com.
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One Response to “If LifeLock requests reports on my behalf, do I still get my 3 free reports per year?”
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May 8th, 2009 at 5:21 am
Lifelock blows your freebies which means you CAN'T use AnnualCreditReport.com to get reports (since that's how you get your freebies).
The answer that you can get your reports more if you have a paid service like monitoring is true, but those are all ripoffs since they don't actually do anything to protect your credit.
Bottom line: get a credit freeze which locks your credit reports. Once done, any check of your credit requires your express approval each time.