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LoudSiren Review |
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| Innovative automated phone system makes managing fraud alerts easy | |
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LoudSiren has done a nice job of differentiating themselves from similar services LifeLock and TrustedID by developing an easier system to manage fraud alert inquiries. All three of these identity theft prevention services work by setting and renewing fraud alerts on your credit files with the three bureaus, meaning that whenever you (or a potential ID thief) applies for credit, the lender must call you to verify that it is indeed you submitting the application. If the lender cannot reach you, your application will be held up until you are able to speak with them. LoudSiren avoids this problem by creating a new contact number for lenders to call and leave their information. LoudSiren then automatically contacts you at up to 3 numbers, where you can approve or disapprove the application through their automated system. If you cannot be reached, you can call back to LoudSiren at any time and approve or disapprove the application at your convenience. In addition to saving time and being more efficient, LoudSiren's system adds extra levels of security because you have a PIN number that you enter to approve every transaction and a recording of your own voice assures you that each call is legitimate.
Other than their automated fraud alert system, LoudSiren is very comparable to LifeLock. Just like LifeLock, you can get a copy of your credit report from each of the three credit bureaus, you can stop getting preapproved credit offers through the mail, and you've got a $1 million insurance policy in case your identity gets stolen. LoudSiren also will automatically put your phone numbers on the national Do Not Call Registry to stop unsolicited telemarketing calls. However, LoudSiren's customer service hours (M-F, 9am-5pm CT) are not as generous as LifeLock's. Overall, though, LoudSiren has added a valuable level of automation to identity theft prevention and is an excellent choice for those that will be using their credit often. |
| Price: | $9/mo or $99/yr |
| Type: | Prevention - sets and renews fraud alerts |
| Credit Reports Delivered: | 1 report from all 3 bureaus each year |
| Fraud Monitoring: |
No |
| Mail List Removal: | Preapproved credit; telemarketing, too |
| ID Theft Insurance/ Guarantee: | $1,000,000 |
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