Lock Up Title Notification For Free

While the company's commercials might try to convince you that you need their service, it's not necessary. Home Title Lock only tells you that something is going on that can affect your home's title. But the service will not protect you against any related events.

Will a credit freeze prevent home title theft? Probably not. Your credit file and your home's title are two completely separate things. However, a credit freeze is worthwhile because it makes it more difficult for fraudsters to open loans in your name.

It does not protect you in any way from a scammer fraudulently transferring your title. It is more of a deed monitoring service that periodically checks in to see if your title has been transferred OUT of your name.

These services do not actually ?lock? your title to prevent fraudulent deed transfers. Do you need this service to protect your home from property thieves? The answer is no. Title fraud is very rare, and hardly ever successful.

Yes, fraudsters could target your home title and try to transfer it into their name. This is also called deed fraud, and while it rarely happens, it's still worth protecting yourself against this and other types of identity theft.

The ads then mislead the consumer by claiming that Home Title Lock's service ?locks? or protects a home title from fraudulent transfers. In reality, title theft is impossible at least in California, where a fraudulently recorded title is void.

Consider an owner's title insurance policy You may want to add an extra layer of defense to your property deed by buying an owner's title insurance policy. This service locks your home title, which gives you greater protection against deed fraud. It might even cover any costs involved if you are targeted.