Lifelock is a waste of money. Freeze your credit. There is no reason for anyone not to do that.

I'll second Lifelock being a waste of money. They'll inform you of a change in credit after-the-fact but won't be able to stop something up front like a freeze can. Freezes and thaws have been free for awhile now (by law) and can even be managed online instead of having to call in each time for a thaw. For example, when I financed a portion of my last vehicle, I logged in to Experian's website to unthaw my credit while I had finance on the phone, once the credit check was done I refroze my credit. When financing it simply requires you to ask up front which bureau they use for credit checks. As stated above and with some additional ones, it's a good idea to freeze:

• Experian
• Transunion
• Equifax
• Innovis - lesser known credit bureau
• NCTUE - for cell carriers
• ChexSystems - bureau checked when opening new bank accounts

And where possible, plant your flag and create an online account with any bureau to manage freezes before someone else can.

Second the "ditch lifelock and freeze your credit" crowd. We just bought a house and had our company line of credit renew at roughly the same time. I unfroze all three for about two weeks so the banks could do their thing and they refroze automatically last week after both had closed. I've had lots of applications fail over the years due to frozen credit so it definitely works.