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If your information is exposed or stolen in a data breach, it can end up on the dark web where it can be sold for as little as 10 cents.

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  • Up to $1.05M Reimbursement for identity theft, with up to $25K for Stolen Funds†††
  • Up to $1.2M Reimbursement for identity theft, with up to $100K for Stolen Funds†††
  • Up to $3M Reimbursement for identity theft, with up to $1M for Stolen Funds†††
  • Up to $1.05M Reimbursement for identity theft, with up to $25K for Stolen Funds††† for each adult
  • Up to $1.2M Reimbursement for identity theft, with up to $100K for Stolen Funds††† for each adult
  • Up to $3M Reimbursement for identity theft, with up to $1M for Stolen Funds††† for each adult
  • Up to $1.05M Reimbursement for identity theft, with up to $25K for Stolen Funds††† for each adult
  • Up to $1.2M Reimbursement for identity theft, with up to $100K for Stolen Funds††† for each adult
  • Up to $3M Reimbursement for identity theft, with up to $1M for Stolen Funds††† for each adult
  • Credit Monitoring Coverage1
  • Credit Monitoring1 each adult
  • Credit Monitoring1 for family
  • Credit, Checking & Savings Account Activity Alerts
  • Credit, Checking and Savings Activity Alerts for each adult
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  • 401K & Investment Account Activity Alerts
  • 401K/Investment Account Alerts for each adult
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  • Recurring and Unusual Charge Alerts
  • Unexpected & Suspicious Charge Alerts for each adult
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  • Stolen Funds Reimbursement†††
  • Stolen Funds Reimbursement††† for each adult
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Get powerful identity theft protection

Join LifeLock Total to help protect against identity theft and get the recovery support you need if you fall victim, including up to $3M in coverage.

Get powerful identity theft protection

Join LifeLock Total to help protect against identity theft and get support if you fall victim.

LifeLock Total

Get powerful identity theft protection

Join LifeLock Total to help protect against identity theft and get support if you fall victim.

LifeLock Total

Fraud or fiction? Identity theft stories and tips to protect yourself

There’s a new victim of identity theft every 5 seconds, and thieves have evolved well beyond stolen credit cards. These days, even the most outlandish fraud stories are uncomfortably plausible, from fake driver’s licenses and luxury car purchases to entire criminal empires built on stolen identities. Whether an individual story is fact or fiction matters less than this reality: No one does more to protect your identity than LifeLock.

A still from the "Generation Money" podcast, where they discuss both factual and fictional identity theft stories and offer tips to protect yourself.

In the latest episode of “Generation Money,” Wall Street veterans Dan Nathan and Guy Adami, along with their guest Laura Pelligra, explore outlandish examples of identity theft through engaging anecdotes and an interactive game: “Fraud or Fiction.”

The game tests Pelligra’s ability to distinguish between real identity theft cases and fictional ones, but the exercise does more than just entertain. It reveals just how creative modern identity thieves have become.

“Generation Money” tests our knowledge of identity theft

Consider the following scenarios and decide for yourself which identity theft story is true fraud, and which is fiction:

Jessica’s parking ticket

Jessica was summoned to her state’s Supreme Court, all over a parking ticket that was left unpaid. Turns out, identity thieves had used Jessica’s details to buy a car in a state she’d never even set foot in. Despite submitting proof to clear her name, the lower courts wouldn’t dismiss her case.

David’s repo men

David woke up to find all his bank accounts frozen after being flagged for suspected fraud at a luxury car dealership. A repossession company was knocking at his door, looking for a missing Mercedes that he’d never purchased — but someone using his stolen identity did.

This isn’t the most unbelievable round in the “Fraud or Fiction” game, and both situations seem entirely plausible. But just because a story about identity theft isn’t 100% real doesn’t mean it couldn’t happen.

Watch the episode for yourself to check the answer* and hear more identity theft stories that range from a stolen trucking license to a complicated insurance scam. While you watch, see if you can spot the tactics fraudsters use to steal personally identifiable information from everyday people to commit sophisticated crimes.

The unsettling truth is that all the scenarios discussed in the podcast are based on actual identity theft tactics. Seemingly outlandish fraud stories are rooted in reality, and identity thieves are becoming more creative. But, there’s good news, too. LifeLock can help restore your identity should you fall victim.

LifeLock Total offers up to $3 million in coverage per individual signed up to the plan. There’s no limit to the number of cases you can open per year, and no out of pocket expenses for legal or expert support. Plus, we’re so sure of the quality of our restoration support that we offer a 100% guarantee. If we fail to get your identity back in good standing after you become a victim, you’ll get your money back.

Practical advice for keeping your identity safer

Prevention is the best medicine, and doing what you can to protect your personal information online is the first dose. Follow these tips to help prevent identity theft and keep your identity safer:

  • Enable two-factor authentication: Two-factor authentication requires both your password and a secondary verification method, such as a one-time password. According to Microsoft, adding an extra security layer to accounts can block over 99% of attacks.
  • Update privacy settings on social media: Set your social media profiles to private, so any personal information you share (or overshare) won’t be visible to strangers. Criminals can easily collect seemingly innocent social media information to build identity profiles.
  • Use strong passwords: Create unique, complex passwords for each account containing personal or financial information. Use long and unique passwords of 15 characters or more, and use a reputable password manager to generate and store your passwords securely.
  • Monitor financial accounts regularly: Review bank statements, credit card activity, and investment account transactions frequently. Early detection significantly improves your ability to minimize damage.
  • Invest in trusted identity theft protection: LifeLock provides account alerts for unusual activity, large transactions, or changes to account information that do-it-yourself monitoring would struggle to match. With LifeLock Total, you’ll also get social media monitoring, alerts on crimes committed in your name, and expedited support should you have an identity theft emergency.

Comprehensive protection against identity theft

With identity criminals growing more sophisticated each day, comprehensive protection ensures you’re prepared for digital threats, both real and seemingly fictional. Sign up for LifeLock Total today to gain access to $3 million in restoration coverage and unlimited expert assistance.

Don’t wait for the nightmare of identity theft to become a reality; get LifeLock Total today.

*Jessica’s parking ticket story is true. But all the fictional identity theft scenarios in this article, and those represented in the linked “Generation Money” podcast episode, are based in reality.

Editors’ note: Our articles provide educational information about identity theft, scams, financial fraud, and other topics that can put your identity or personal accounts at risk. LifeLock offerings may not cover or protect against every type of crime, fraud, scam, or threat we write about. For more details about how we write, review, and update our articles, see our Editorial Policy.

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