How to use Parseval' identity( Plancherel?

Does anyone use Life Lock or any other identity theft insurance company?

• My husband is convinced that we need to get this. It costs $110 per person per year, and from what I gather, all they do is contact Experian, Transunion and Equifax and tell them that you suspect you might be at risk for identity theft. They provide these companies with 2 phone numbers provided by you. Then if something happens & your identity gets stolen, it's your responsibility to call Lifelock & tell them. If you don't, they won't go to bat for you. If you do everything they tell you to do, they will pay for the legal fees to get your credit straightened out, up to $1,000,000, but they don't reimburse any lost money. Is my understanding correct? If not, what am I missing? Wouldn't it be better to contact the 3 credit companies and put a security freeze on our credit? Yes, it's a hassle if we actually want credit, but then no one can get credit in our name, period. No hassles with laywers and ID theft insurance, because no one can get through to the credit companies.

• Answer:

  funny you mentioned Lifelock. This company is currently under fire with consumer complaints due to the credit bureaus not stopping thief's from stealing their identity. The creator of Lifelock actually has commercials and ads where he shows his real ssn and name. He also admitted in the article that he has had approx. 52 people obtain a drivers license in his name. I wouldn't want to deal with that. Keep your money and get the security freeze b/c as long as you keep the number active you provide you can apply for credit and then be contacted immediately for verification.