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Aura Review

Saturday, March 2nd

2024 Credit Monitoring Company Reviews

Top Consumer Reviews Best-In-Class Blue Ribbon Award Aura Review 5 Star Rating

Aura

5 Star Rating
  • Comprehensive suite of features for credit and identity monitoring
  • Monitors all three credit bureaus
  • Monthly credit report update from Experian
  • 3 plans available: Individual ($20/month), Couple ($35/month), Family ($65/month)
  • Significant discounts when billed annually ($12-$32/month)
  • 14-day free trial
  • 60-day money-back guarantee on annual plans
  • "A+" rated and accredited by the BBB
  • Thousands of five-star reviews
Top Consumer Reviews Best-In-Class Blue Ribbon Award

Think of Aura as your all-in-one resource for credit monitoring, identity protection, internet safety, and so much more. The panorama of features offered here go above and beyond anything you'll find with the other platforms on our list, but with one caveat: if you're looking into credit monitoring strictly with an eye towards improving your credit (to apply for a mortgage or loan, for example) and you need tools to help manage your finances, Aura might not be the ideal fit. On the other hand, if you want to get the absolute most for your money with a comprehensive protection package, Aura is the only way to go.

Comprehensive suite of features for all subscribers

One refreshing aspect of Aura is that all members get the exact same features: you don't have to compromise on getting protection or information because you're not sure you can afford the top-tier service. Instead, your only decision here is if you're subscribing as an individual, couple, or family.

Credit monitoring and much more

And what are those all-inclusive features? They're almost too long to list, but we'll try. Aura breaks it down into three categories:

  • Financial Fraud Protection: this includes three-bureau credit monitoring with monthly Experian score updates, credit lock, bank fraud monitoring, financial transaction monitoring, 401(K) and investment account monitoring, and annual credit reports.
  • Identity Theft Protection: this comes with $1M per adult in identity theft insurance, account breach monitoring, SSN and personal information monitoring, home/auto title monitoring, identity verification monitoring, criminal and court records monitoring, white glove fraud resolution, and lost wallet remediation.
  • Online & Device Security: this is where Aura really goes above and beyond, including services you'd usually have to buy separately. You'll get antivirus protection, VPN access, safe browsing, password manager, storage vault, privacy assistant, anti-track and ad blocker, email alias, spam call and message protection, with device counts depending on the package you choose (individual/couple/family).

Affordable with or without annual billing

Are you thinking this is going to cost an arm and a leg? It's not. If you pay month-to-month, the pricing is comparable with other credit monitoring options we evaluated at $20/month for an individual, $35/month for a couple, and $65/month for a family. But, if you opt to pay annually, that comes with huge savings - dropping your per-month cost down to $12, $22, and $32, respectively.

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14-day free trial, 60-day money-back on annual plans

Now you might be wondering what happens if you go for that annual plan and decide that Aura's credit monitoring isn't for you. Fortunately, the company has thought of that too: you can get a 14-day free trial, and even after that you can take advantage of a 60-day money-back guarantee when you choose annual billing. Aura really wants you to love their service, and they're pretty confident that you will.

Exceptional reputation

And, as you'd expect from a top-ranking credit monitoring provider, Aura does get plenty of praise. The Better Business Bureau gives the company a perfect "A+" rating with accreditation, and while there were a few dozen complaints filed there over the last year, Aura reps respond every single time - and typically with the approach of "the customer is always right" . Turning to customer feedback on Trustpilot, we found almost 2500 five-star reviews from clients who say that the credit monitoring is absolutely on point here. Notifications of alerts come through almost immediately every single time, and Aura reps are on standby to help answer questions or fix identity theft issues.

#1 option for comprehensive credit monitoring

For just about everyone, Aura is going to be the most comprehensive credit monitoring service out there. You get a ton for your money, and it makes covering everyone in your household extremely affordable. Unless you've got a laser-sharp focus on credit monitoring alone and don't want all the extras, this is the first option you'll want to consider. We love Aura and we're pretty sure you will too.

Who Offers the Best Credit Monitoring Service?

In today's interconnected digital world, maintaining a strong credit profile is essential. That's where credit monitoring services come into play - valuable tools to safeguard your financial well-being and keep you informed about your credit health. These services provide continuous oversight of your credit report and alert you to any significant changes.

Credit monitoring lets you to detect and respond swiftly to potential threats like identity theft, fraud, or errors on your credit reports. They do this by sending you alerts via email or text whenever there are significant changes in your credit report. They offer ongoing monitoring of your credit reports from major credit bureaus, allowing you to stay vigilant without manual effort. Moreover, many credit monitoring services provide educational resources and tips for improving your credit scores and managing debt.

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Credit Monitoring Company FAQ

Credit monitoring keeps an eye on financial transactions associated with your credit use: your buying behavior, changes in your credit score, and so on. When potential fraud is detected, a credit monitoring service notifies you quickly so that you can put a stop to any unauthorized use of your information or money.
Unless you have the time and energy to keep an eagle-eye watch over all of your accounts, credit monitoring is a must in this age of phishing scams, spam phone calls, and data breaches. Having a credit monitoring service in place can shut down fraudsters early on, before any serious damage is done to your credit history (or your bank balance!).
It's important to point out that credit monitoring doesn't prevent fraud. It can only give you tools to try and protect yourself, while letting you know right away if anything suspicious is detected. Credit monitoring won't stop your credit card from being skimmed, keep your data protected if there's a breach somewhere, or prevent an identity theft from applying for credit in your name.
Both types of score represent different models used to predict how likely it is that any given consumer will be at least 90 days behind on a bill sometime in the next two years. Because they give different weights to the various components in their calculations, the scores they return can be different for the same individual. For example, to get a FICO score, you need to have at least one credit account that's six months "old" or more, but a VantageScore only requires you to have one active account (even if it's not six months "old" ).
Many services are offered at no charge. Yes, you read that correctly: you can get a certain level of credit monitoring for absolutely no fees. However, if you're looking for the most comprehensive services, you can expect monthly fees ranging from $12 to $35.
It's definitely worth considering. Because most minors don't have extremely active credit accounts (car loans, credit cards, and so on), fraud can go undetected for a very long time. Without credit monitoring, your child could go to apply for a college loan or their first credit card and find out that someone has been using their name to open accounts for years!
Be sure to check out what other customers have said about the service. Also, look for a listing with the Better Business Bureau, to give yourself that added assurance that the credit monitoring service you're considering is reputable.
While your credit card company probably does alert you if fraud is detected, it's not designed to be comprehensive: they don't keep an eye on your bank account or any use of your Social Security number to open accounts. Your bank may provide your credit score when you sign into your account, but they don't flag most transactions. Unless you're going to play an active role in monitoring your credit, it's worth it to pay for a service to track it all for you. Plus, many credit monitoring services will help you restore your identity if it's compromised while you're a subscriber.
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Continued from above...

In the unfortunate event of identity theft, reputable credit monitoring services often offer assistance in resolving issues and restoring your credit, providing you with valuable support and guidance during a challenging time. It's important to note that credit monitoring primarily focuses on credit-related activities and may not detect all forms of identity theft or fraud, such as medical or criminal identity theft.

Additionally, you may receive alerts for legitimate actions, which could lead to unnecessary concern or alert fatigue. And, it's crucial to understand that credit monitoring services can't prevent or stop fraudulent activities; they can only provide information and alerts, underscoring the importance of your own proactive vigilance in protecting your financial well-being.

Now that you understand what credit monitoring can (and can't) do for you, how do you choose which option is right for you? There are a lot of similarities among providers of this service, and it can get frustrating trying to sort out the minute differences that could impact your decision.

Consider these factors that might illuminate those differences and make it clearer which one you should choose:

  • Cost. Evaluate the pricing structure, including monthly or annual fees, to determine if it offers a good value for what you'll be paying. Don't shy away from free credit monitoring options, either.
  • Features. Consider the range of features offered, such as credit report monitoring, credit score tracking, identity theft protection, and fraud resolution support. Check which credit bureaus' reports are monitored, as coverage can vary among different services (Experian, Equifax, TransUnion, or even FICO).
  • Reputation. Research the service provider's reputation, read user reviews, and assess their track record in delivering reliable alerts and assistance.
  • Alert system. Assess the speed and effectiveness of the alert system in notifying you about changes in your credit reports.
  • Customer support. Look for responsive customer support options, especially for resolving issues related to false alarms or identity theft incidents.
  • Educational resources. Some of the best credit monitoring services go the extra mile to help you understand credit reports, scores, and financial management.
  • Mobile app. If applicable, evaluate the user-friendliness and functionality of the mobile app for convenient access to credit information.

Credit monitoring services offer you valuable tools to protect your financial well-being and maintain a healthy credit profile, and Top Consumer Reviews has done the legwork to make it easy to compare today's most popular providers. We're confident that this information will empower you to take control of your financial life and stay on top of your credit profile.

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