Have you seen the commercial for Lifelock yet? If not, this is a service you need to look into. I am not sure how many of you know that I was almost a victim of identity theft. When we lived in Aurora, they was a person with the same name as me giving out my phone number and address to creditors. I had to fight for 2 years with American Express’s lawyers that I was not the Lisa they were looking for. Heck, I never ever even owned an American Express. I had to put a freeze on my own credit reports (which means no more instant credit when you want to get $15 off your purchase if you sign up now at certain stores like Kohls). I also know people who have had their identity stolen. Unfortunately, it happens more often than you think.

I ask if you have seen the commercial, because in the commercial, the president of the Lifelock actually puts his social security number on the side of a tractor trailer truck. I know, it is quite a bold move. He also has his social security number right on the top of the Lifelock website in a huge font and bolded. That is how sure he is of his company. If his identity is not being stolen and he is putting his information out there for the world to see, just think what Lifelock can do you. Normally, people try to hide their information as best as possible. Lifelock will ensure that your identity will never to stolen. Let’s say if something would slip through and it did happen, Lifelock has a million dollar guarantee. Yes, I said a million dollar guarantee: They “will pay up to $1,000,000 to cure the failure or defect in our service, per member, per lifetime for all incidents in the aggregate regardless of circumstance”. How many companies do you know are that confident in their service?

How does Lifelock work? First, they set fraud alerts on your behalf with the credit bureaus. This is done, so you are notified anytime anyone tries to use your credit (including yourself). However, these fraud alerts are only good for 90 days. They go back every 30 days and reset the fraud alert for you. You don’t have to worry about forgetting to do this. They also request that your name be removed from all those annoying preapproved and junk mail lists. They keep making these requests for you as they expire also. This is another way that identity can be stolen, so why not stop it at its source? Plus, junk mail is just annoying anyway. Look at it this way, you are probably saving a few trees by getting your name off those lists. They also order credit reports on your behalf from all the major credit bureaus once a year and have them sent directly to you. Lastly, they have an awesome program called WalletLock. If you lose your wallet or if it gets stolen, a specialist will help you contact each credit card, bank, or document issuing company to cancel your accounts. They will also help you complete the paperwork to replace your lost documents. This includes your credit/debit cards, driver’s license, social security card, insurance cards, checkbook, and travelers checks.

I know you are probably saying that you could do most of this yourself and save yourself the money. Honestly though, do you do it? I am on top of things I forget to do a lot of these steps. With Lifelock, you are buying peace of mind. In a world where identity theft can take away everything you own, you definitely need that peace of mind.

If you are needing a loan without having to haggle or fight with loan officers, NameYouLoan.com is your place. They have what’s called an online mortgage auction. All you do is fill out an application online and lenders bid for your business! How easy can they make this? If you need a loan, it helps to investigate all your available options to get the best deal, and this is one of the easiest ways to do this.

Here’s more information on How NameYourLoan.com Works:

NameYourLoan.com Diversifies Current Lending Environment for Borrowers with New Approach to Online Mortgage Loans.

New online mortgage auction site, NameYourLoan.com, has revolutionized the way borrowers obtain mortgage loans online. As a unique and creative online community, borrowers can easily connect with the best mortgage lenders while lenders benefit from a wealth of real time mortgage leads and opportunities for business growth.
(PRWEB) – In today’s tough lending environment, littered with deceitful lenders and cunning tactics, it’s high time for a revolutionary tool that can empower borrowers yet still benefit lenders. NameYourLoan.com has answered the need with the launch of a new online mortgage auction site designed to give consumers access to an increasing mortgage lenders network to ultimately obtain great online mortgage loans.
“For centuries, auctions have been the most efficient and effective way to get the best deals in everything,” says Al Salahi, President and CEO of NameYourLoan.com. “Why not have auctions for all mortgage loan types?”
NameYourLoan.com is an online community where borrowers can easily connect with the best mortgage lenders. Lenders compete with one another in an online auction to win the borrower’s business. As numerous lenders submit loan offers, the site enables consumers to see “apples to apples”, compare mortgage interest rates and achieve the lowest rate mortgage online such as the best home equity loan rate or home refinance loan.
The site’s sophisticated computer system compiles and calculates all the information submitted by lenders (interest rates, points, fees, terms, etc.) and then ranks loan offers, based on their true worth relative to the borrower’s stated preferences (lowest rate, lowest fees or best combination of rates and fees). This simplified process gives borrowers a coherent presentation of information without having to do the math themselves.
Unlike other online mortgage comparison shopping services, only those lenders who come out at the top of the auction with the lowest interest rates and fees get a chance at the borrower’s business. Moreover, borrowers can invite their friend or relative lender to participate in the borrower’s auction quickly and without cost. Lenders who refuse to participate are most likely high priced and not the best mortgage lenders.
“Through advanced technology, we are starting to make haggling and deceptive lending tactics a thing of the past,” explains Salahi. “At the same time, we are transforming a generally stressful and complicated process into a very pleasant and easy experience for borrowers. Our multiple bid auction format, coupled with constant consumer feedback, will make it easy for us to weed out dishonest lenders—and hopefully put them out of business!”
Use of NameYourLoan.com is completely free for borrowers. Borrowers are under no obligation to accept any of the online mortgage loans offered in the auction. To protect against identity theft and fraud, site users are never asked for sensitive information, and lenders that receive multiple consumer complaints will be barred from future auctions.
For more information, visit NameYourLoan.com.
About NameYourLoan.com:
NameYourLoan.com is the world’s first online mortgage auction, designed to advance the lending process by helping honest and competitive lenders grow their business, and at the same time, make it possible for borrowers to instantaneously reach multiple lenders and receive competitive loan offers online, in an auction format. NameYourLoan.com uses a patent-pending concept powered by sophisticated proprietary software that has been developed by a number of technology heavyweights from the Fortune 500 arena.