So what good does Life Lock really do then?
Lifelock kicks in for those situations where you would have to hire an attorney to prove you didn’t do what it’s being said you did. Case in point: someone steals your i.d. and makes such a hot mess of things for you that the IRS comes down on you for fraud — but it was the person who stole your ID who ruined your credit and spent money in your name for which they never paid taxes. THAT is where LifeLock would kick in - but all Credit Card companies have a “no liability” policy which kicks in when your card is lost, stolen, or hacked. Hence, they do not need to get involved there.