In 2026, when vet offices offer payment plans and everything is a subscription service, keeping a high score is more essential than ever. While there are plenty of things you can do to keep a high credit score, that only works as long as you aren’t a victim of fraud.
While LifeLock is another subscription, it's one that helps protect your identity, offers scam reimbursement on eligible plans, and monitors your credit score so you have less to worry about when it’s time to apply for a new mortgage or auto loan.
LifeLock helps you keep an eye on your credit with some key services including 24/7 virtual assistant and phone support, multi-bureau credit monitoring, dark web monitoring, and identity restoration.
The rundown:
- With LifeLock's 24/7 virtual advisor, you can get the help you need on your timeline.
- Being aware is the most important form of protection. LifeLock keeps an eye on many possible vulnerabilities with dark web and multi-bureau credit monitoring.
- If you have been the victim of identity theft, LifeLock offers identity restoration support with an assigned Identity Restoration Specialist.
24/7 virtual advisor
A LifeLock subscription includes identity theft protection, identity theft insurance, multi-bureau credit monitoring, dark web monitoring, data broker removal, and identity restoration services.
But the most useful service in a LifeLock subscription just might be the 24/7 virtual advisor and phone support hotline.
The virtual advisor can help understand alerts when you're notified of suspicious activity on your bank or credit accounts, and can also answer questions about scam prevention methods if you’re wondering whether an email is a legitimate inquiry or a phishing scam.
Along with the 24/7 phone support hotline for identity theft reporting, LifeLock offers a pretty comprehensive customer support platform that can help you with day-to-day questions and managing an identity breach or credit alert.
Multi-bureau monitoring
Credit scores are calculated by three major credit bureaus in the U.S. LifeLock’s plans cover at least two of those credit bureaus at all tiers, with the higher Advanced and Total plans covering all three major credit reporting agencies.
This means you have a greater chance of catching suspicious activity as it happens, and you can report the fraud immediately. This will help insulate your credit score from hits it might take due to fraudulent loan applications or suspicious purchases made with your credit card info.
Dark web monitoring and data broker removal
LifeLock monitors the dark web, tracking over 120 different pieces of identifying information to help keep your identity secure. Should your info be found, LifeLock will notify you so you are aware and can act. This warning system can help you catch potential threats to your identity.
LifeLock also scans popular data broker and people search sites and submit removal requests on your behalf, so if your info is leaked to the dark web, LifeLock can help prevent identity theft by getting your details removed.
Identity restoration
In the worst-case scenario, LifeLock also offers identity restoration services to get your identity back, should it be stolen.
In the case of identity theft, up to $3M in potential identity theft coverage, which may help with eligible stolen funds, personal expenses, and lawyers and experts when restoring your identity. Additionally, LifeLock will assign you a U.S.-based restoration agent to work your case from start to finish.
LifeLock’s identity restoration service comes with a 100% restoration guarantee, or you'll get your money back for the current term.
Get the coverage you need
All of LifeLock’s plans monitor your credit score. The question is how many banking or investment accounts you need to cover.
The LifeLock Core plan costs $12.49 monthly or $124.99 annually. If you go for the annual payment plan, that's equivalent to $10.42 a month, saving you $24 a year. The Core plan covers up to two financial accounts and monitors two credit report bureaus.
The Advanced plan costs $19.99 monthly or $199.99 a year (equal to just $16.67 a month), while the Total plan costs $34.99 monthly or $349.99 annually (equivalent to $29.17 a month). The Advanced plan covers up to five banking or investment accounts, while the Total plan covers an unlimited number of accounts.
The Advanced and Total plans also come with scam reimbursements and identity theft reimbursement premium in addition to the AI-powered scam detection, data breach monitoring, identity protection, and recovery services included in the Core plan. The Total and Advanced plans also monitor all three major credit bureaus instead of just two on the Core plan. All three plans feature auto-renewal, ensuring no gaps in coverage.
The Total plan’s $29.17 a month really isn’t a lot of money to spend on protecting your credit, identity, and finances.
