By the way, I called out Todd Davis a while back and said that if Lifelock actually froze people’s accounts and managed the freezes for them, I’d support Lifelock. Not surprisingly, they haven’t done so because I don’t think they want to actually have to spend any of the money they’re raking in.

Good info, and you are correct. I wouldn’t go as far as saying services such as Lifelock offer no value, but the question is whether the cost is worth the limited value they provide. As someone who has had credit freezes in place for over three years now, I would highly recommend it to everyone. Yes, it can be a nuisance to unfreeze the accounts when you are in need of credit, but the process is straightforward. Since our family’s freezes have been in place, we have purchased two cars and a home as well as a couple other credit related items. The pain of unfreezing the accounts is small relative to the actual protection it offers. The service that I would be willing to pay for is a company who would manage the freezes for me, so that I could just place a single call, anytime of day or night, and have them unfreeze the accounts temporarily for me when I need credit. It would be well worth an annual or monthly fee to me to have someone do it for me rather than go through each bureau’s process. If you or anyone is aware of such a simple straightforward service, I would appreciate a link. TrustedID seems to offer this service but only if you sign up for their “monitoring” service first which as has been clearly articulated not worth it… at least not to me.

http://www.thegeekprofessor.com/guides/identity-theft

So who is the breadwinner of the two ??