Ask Terry Questions Value of LifeLock with Credit Freeze

Value of LifeLock with Credit Freeze

By Terry Savage on March 05, 2026 | Credit/Debt

Hello Terry,

I enjoy listening to you on the John Williams show and reading your articles in the Tribune. You are a wealth of knowledge! Pun intended…

Question: I’ve frozen my credit but I still pay about $400/yr. for LifeLock. Is LifeLock necessary since it’s hard to do anything catastrophic with my credit frozen.

Terry Says

I personally don’t think so. Their services could be helpful if your credit is breached, but if you freeze your credit, keep a close watch on your bank accounts, check your credit score and reports, lock your SIM card, and also freeze title to your home with your county registrar (assuming you don’t have a mortgage), you should be ok.

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