I know we've discussed that TransUnion commercial with all the people singing "Getting to Know You" while snooping for someone's personal info. I don't understand a lot about how credit reporting works, so maybe someone can help me. What good does it do to lock your credit report? Wouldn't it better to lock your info from being used? Or is that what they're doing? Wouldn't locking your credit report keep YOU from buying things? Or are they suggesting you keep it locked at all times, unlocking it only long enough to get a new credit card, buy a car, get a mortgage, etc.? Aren't there legitimate reasons someone would need access to your credit report without calling you each and every time? What if the thief strikes during that time you have it open for your own use? I'm just not seeing the need for this service. How is this different from a service like Life Lock? Thanks in advance for educating me.