<prompt> Human: I have a hard time believing Lifelock isnt just a hyped up scam.Plus, Im pretty sure my bank covers me if my identity is stolen anyway.Is identify theft protection right up there with those ethanol fuel system savers and extended protection plans on alarm clocks?  <response>: LifeLock and similar systems dont do anything that you cant do yourself. Pull your credit reports from AnnualCreditReport.com, dispute accounts you are unfamiliar with, and enact a credit freeze if your identity is at higher risk of getting stolen.Fun fact: the head of LifeLock has had his identity stolen several times after the poorly thought out this is my real social security number advertising campaign. 