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LAST UPDATED: February 22nd, 2023

As one of the leading identity theft protection companies in the United States, LifeLock includes credit monitoring as part of its Ultimate Plus membership program. This review is geared specifically towards examining how robust and effective its credit report monitoring features are for those seeking to track, improve, and build their credit and credit score over time.

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The Good

  • Features
  • Triple-Bureau Reporting
  • Customer Service
  • Information Security
  • Identity Theft Protection


LifeLock attempts to pull all three credit reports from the major credit bureaus upon signup with its Ultimate Plus plan, presenting the information in an easy-to-read format for its customers. In addition to the credit reports, LifeLock provides a TransRisk score for each report with an explanation of the main factors contributing to the score. Additionally, the company provides customers with an updated TransRisk score each month based off of activity in the customer's Experian credit report, as well as alerts customers of "key changes" on the other credit reports.

Triple-Bureau Reporting

LifeLock pulls credit reports from all three major credit bureaus-TransUnion, Equifax, and Experian. The company provides a TransRisk credit score for each of these reports and ongoing updates to the Experian credit report.

Customer Service

LifeLock offers 24/7 phone support from call centers within the United States, making it easier to reach someone when you need to.

Information Security

LifeLock takes customer privacy and data protection very seriously, with a call center that prohibits agents from having access to cell phones or other means of recording customer data.

Identity Theft Protection

For those concerned about identity theft, LifeLock brings a lot of protective features to the table, which can be viewed under the "Feature Details" tab. A more thorough review of LifeLock as a protection service can be found here.


The Bad

  • Non-Standard Credit Scores
  • Poor Refresh Rate
  • Reliance on Free Credit Reports
  • Price
  • Cancellation Policy

Non-Standard Credit Scores

LifeLock does not provide customers with a "true" FICO score, which is the credit score utilized by over 90 percent of major lenders. Instead, the company gives you a VantageScore, which few, if any major lenders use. This means that the credit scores LifeLock provides you may be very different from the one your lenders see, and cannot be relied upon for determining or even approximating your actual credit standing with lenders.

Poor Refresh Rate

On the Ultimate Plus plan, Lifelock will only provide customers with their full credit reports from all three bureaus once per year. A lot can happen in one year. Those who are committed to improving their credit would do well to monitor their full reports more often than that. As many customers have noted, the company's advertised monthly credit refreshes are only for one of those three credit reports, Experian, and do not include the report itself, only a VantageScore credit score which, as mentioned before, isn't all that useful in determining your actual credit standing with most lenders.

Reliance on Free Credit Reports

LifeLock obtains credit reports from, where, by federal law, anyone can pull their own credit reports for free once per year. This means that if you've recently pulled your own credit reports from that site, LifeLock will be unable to pull them for you into your account.


When you take into account the above factors, providing the customer with three reports a year and no true FICO scores, $29.99 per month represents one of the worst values of any credit monitoring company we've ever reviewed. That's an effective cost of $120 per credit report per year, with no FICO score provided.

Cancellation Policy

Canceling with LifeLock requires a user to call in and speak with someone over the phone whose job is to persuade the customer not to cancel. This is a hassle that we don't like to see. Additionally, no partial refunds are offered for those who cancel mid-month, which is a customer-unfriendly policy. Both of these practices are commonly employed by businesses seeking to cover for a high cancellation rate following a misleading claim.


The Bottom Line

Although it has a well-deserved reputation for ID theft protection and, as previously mentioned, we may recommend it for those seeking to guard against fraud, LifeLock's relative lack of updated credit reports, price, and complete absence of true FICO scores make it a poor value for those who are simply seeking to monitor their credit scores, reports, and improve their overall credit health.

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51 Reviews

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Carolyn Reed Pleasant Grove, UT

All the hype is unwarranted. I had great expectations but found very little services that are useful. First, I was told by their salesperson on the phone that I would get all 3 credit services and that I would get monthly updates and could view my reports any time. The truth is that while you get monthly updates, those updates are ONLY for ONE of the credit agencies. The other two are only as of the date you pay them, meaning you only get them once a year (which you can get for free directly from the credit bureau on an annual basis, anyway). I also was told that I would get immediate notifications of any activity over the threshhold settings you set for in advance with them (e.g., if you tell them to notifiy you of credit card charges or banking activity in excess of $200, they will notify you of any activity in the accounts you include in your profile when that amount is exceeded. Amounts less that that are ignored). The problem is that I have NEVER been notified in a timely fashion, which to me means that it is immediate, just like they show in their infomercials. The earliest notification I have ever received has been at least 24 hours after the incident, sometimes longer. A lot of damage can be done in 24 hours. In fact, it appears that they don't work on weekends. More often than not, if I make a charge at Walmart for an amount over the threshhold on a Saturday, the earliest I receive notification of the transaction is Tuesday of the following week! This is useful? If you are like me and check your bank accounts online every day or other day, you are wasting your money with this service. Perhaps it may be helpful if someone opens a new account in your name, but somehow I find that unlikely. This seems especially so since they only review accounts for which you have provided them with the account number. A new account would not appear on their records.

8 years ago

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beth merckel Boulder, CO

LifeLock makes it really hard to cancel service. My father-in-law died in July and my mother-in-law was placed in a nursing home and declared incompetent in August. LifeLoc won't allow me to email the death certificate and Power of Attorney to cancel their account(s). LifeLock want the documents faxed or mailed to them. It's hard enough to deal with these kind of life issues, why does LifeLock need to make it harder? Join the 21st century and allow your customers to use email like every other vendor out there! Don't do business with LifeLock!

5 years ago

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Carolyn Reed Pleasant Grove, UT

Recently my American Express card was both cancelled and re-issued fraudulently ( to the tune of $21,000) and your service seems to not know about that nor did you contact me. So - that does not impress me. I thought you were the best. I am disappointed and also, quite frankly, totally non-plussed as to why you did not spot this.

8 years ago


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upnorthwi Bellevue, WA

Credit Monitoring. You would think that is what you get, well sort of. I've made various purchases that should have flagged LifeLock to alert me, they didn't. After much conversation with them about this, they only monitor certain banks, credit cards etc. So if a company, bank etc is not one of their members that they monitor, you will not get a alert. That makes LifeLock worthless to me.

1 year ago

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Carolyn Reed Pleasant Grove, UT

You missed the boat. Someone opened a bank account in my name and was caught by the fraud department of the bank involved. Luckily they contacted me before any large amount of damage was done.

8 years ago

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Carolyn Reed Saratoga Springs, UT

My existing home loan was refinanced and a new credit card was approved while I received no notice from LifeLock regarding this activity.

8 years ago