How to Protect Your Credit

If your information was compromised from a recent data breach, it’s important to act quickly so you can protect your credit from fraud.

Why It's Important

Fraud alerts tell creditors to verify your identity before approving new credit in your name. If you’re worried about your compromised information, you can set up fraud alerts with each credit bureau.

Credit Lock vs. Credit Freeze

Both credit locks and credit freezes are used to restrict access to your credit report. These terms are often used interchangeably, but there are key differences between them you should know.

Credit Lock

Instantly lock and unlock your credit as needed.
Provided as a service with other added security features.
May cost money for the convenience and flexibility.

Credit Freeze

Credit Score with spindown counters frozen

Requires one business day to activate and one hour to deactivate online.
Need to contact credit bureaus to add and remove freezes.
Free through each of the major credit bureaus.

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Instantly Lock Your Experian Credit File

With one tap, instantly lock your Experian credit file to stop unwanted inquiries into your credit history. Keep a pulse on your credit health with a monthly credit score¹ and 3-bureau annual credit reports.

Aura App Screenshot for Content Filering

Fastest, Most Reliable Credit Monitoring³

Get alerted to new inquiries to your credit file in minutes, like if someone is trying to open a new credit card or bank loan in your name. Proven to deliver 250X faster credit fraud alerts than the competition.³

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Get Alerts on Suspicious Transactions

Catch early signs of fraud by staying on top of your bank transactions. Link your accounts to Aura, set spending alerts, and we’ll notify you of transactions above your alert thresholds.

Start Your Free Trial

“Great security at an honest price! Not only is it a reputable product, but the Customer Service is outstanding!”

— Gregory D.

Trustpilot Review, 02.02.24

“No exaggeration...this was the best customer service I have ever encountered!”

— Chris C.

Trustpilot Review, 07.05.24

“Took the time and effort to help. Also stopped a thief from stealing my information and opening several accounts even with a bank.”

— David W.

Trustpilot Review, 12.15.23

“It’s really easy to get everything set up and provides peace of mind knowing that your identity is protected.”

— Danny M.

Trustpilot Review, 11.03.23

“I love how Aura contacts me when anyone accesses my credit report. They let me know when to change my password because of a breach.”

— Faith M.

Trustpilot Review, 10.26.23

“Great service, always there for you. They monitor and protect just about everything for a reasonable charge.”

— Gaetano M.

Trustpilot Review, 10.26.23

“I have nothing, but positive things to say about Aura. The alerts I get when I open a new account let me know that they are monitoring 24/7.”

— Stephen B.

Trustpilot Review, 10.26.23

Now With AI Spam Call Protection!

Identity & Fraud Protection

Individual

1 adult, 10 devices

$--

Save up to XX%

billed annually, or $--/mo billed monthly

Special intro offer^‡

Get Protection Now

Identity Theft Protection

$1 Million Identity Theft Insurance*
Account Breach Alerts
SSN & Personal Info Dark Web Alerts
Home & Auto Title Fraud Alerts
Stolen Identity Alerts
Identity Verification Monitoring
U.S. Based Expert Fraud Remediation

Financial Fraud Protection

3-Bureau Credit Monitoring
Instant Credit Lock
Bank Fraud Monitoring
Financial Transaction Monitoring
Monthly Credit Score¹
Annual Credit Reports

Online Privacy & Security

People Search Sites & Junk Mail Removal
Antivirus / Anti-Malware
VPN with Military-Grade Encryption
Safe Browsing
Password Manager

^‡Introductory offer details.

Insert Ribbon Text

Identity & Fraud Protection

Couple

2 adults, 20 devices

$--

Save up to XX%

billed annually, or $--/mo billed monthly

Special intro offer^‡

Get Protection Now

Identity Theft Protection

$2 Million Identity Theft Insurance*
Account Breach Alerts
SSN & Personal Info Dark Web Alerts
Home & Auto Title Fraud Alerts
Stolen Identity Alerts
Identity Verification Monitoring
U.S. Based Expert Fraud Remediation

Financial Fraud Protection

3-Bureau Credit Monitoring
Instant Credit Lock
Bank Fraud Monitoring
Financial Transaction Monitoring
Monthly Credit Score¹
Annual Credit Reports

Online Privacy & Security

People Search Sites & Junk Mail Removal
Antivirus / Anti-Malware
VPN with Military-Grade Encryption
Safe Browsing
Password Manager

^‡Introductory offer details.

Now With AI Spam Call Protection!

Identity, Fraud & Child Protection

Family

5 adults, unlimited kids & unlimited devices

$--

Save up to XX%

billed annually, or $--/mo billed monthly

Special intro offer^‡

Get Protection Now

Family Identity Theft Protection

$5 Million Insurance with Child Identity Theft Coverage*
Account Breach Alerts
SSN & Personal Info Dark Web Alerts
Home & Auto Title Fraud Alerts
Stolen Identity Alerts
Identity Verification Monitoring
U.S. Based Expert Fraud Remediation
Child SSN Monitoring
Child 3-Bureau Credit Freeze

Financial Fraud Protection

3-Bureau Credit Monitoring
Instant Credit Lock
Bank Fraud Monitoring
Financial Transaction Monitoring
Monthly Credit Score¹
Annual Credit Reports

Online Privacy & Security

People Search Sites & Junk Mail Removal
Antivirus / Anti-Malware
VPN with Military-Grade Encryption
Safe Browsing
Password Manager
AI Spam Call & Message Protection

Child Online Protection

Parental Controls
Content Filtering & Site Blocking
Screen Time Limits & Scheduling
Pause the Internet
Online History & Usage Reports

In-game Voice & Text Monitoring
Predator, Scam & Cyberbullying Alerts
Weekly Gaming Activity Report

^‡Introductory offer details.

* The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.

** Free trial offer can only be redeemed once per customer. Full access to plan features depends on identity verification and credit eligibility. If you signed up for Aura through a free trial, then your membership purchase date will be the date you signed up for your free trial, and you will have 60 days from the date you signed up for your free trial to cancel and request a refund. If you switched to a new annual plan within 60 days of your initial Aura annual subscription, you may still qualify for the Money Back Guarantee (based upon your initial annual plan purchase date).

Message Protection is iOS only

¹ The score you receive with Aura is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your TransUnion or Experian credit file. Lenders use many different credit scoring systems, and the score you receive with Aura is not the same score used by lenders to evaluate your credit.

‍² 60-day money back guarantee is only available for our annual plans purchased through our websites or via our Customer Support team. You may cancel your membership online and request a refund within 60 days of your initial purchase date of an eligible Aura membership purchase either through your Aura Account Membership portal or by calling us at 1-855-712-0021. If you signed up for Aura through a free trial, then your membership purchase date will be the date you signed up for your free trial, and you will have 60 days from the date you signed up for your free trial to cancel and request a refund. If you switched to a new annual plan within 60 days of your initial Aura annual subscription, you may still qualify for the Money Back Guarantee (based upon your initial annual plan purchase date).

³ As compared to the competition. Results based on a 2022 mystery shopper consumer study conducted by ath Power Consulting. ath Power Consulting was compensated by Aura to conduct this study.

⁴ Child members on the family plan will only have access to online account monitoring and social security number monitoring features. All adult members get all the listed benefits.

^‡ FBI Internet Crime Report, 2023

⁶ Forbes: “Google Registers Record Two Million Phishing Websites In 2020”

⁷ Rated #1 by IdentityProtectionReview.com as of Dec. 2021.

⁸As compared to the competition. Results based on a 2022 mystery shopper consumer study conducted by ath Power Consulting. ath Power Consulting was compensated by Aura to conduct this study.

No one can prevent all identity theft or monitor all transactions effectively. Further, any testimonials on this website reflect experiences that are personal to those particular users, and may not necessarily be representative of all users of our products and/or services. We do not claim, and you should not assume, that all users will have the same experiences. Your individual results may vary.

How to Protect Your Credit

Freeze or Lock Your Credit

Monitor Your Credit Activity & Reports

Set Up Fraud Alerts

Credit Lock vs. Credit Freeze

Credit Lock vs. Credit Freeze

Credit Lock

Credit Freeze

Need Help?

Aura Makes Credit Protection Easy

Instantly Lock Your Experian Credit File

Fastest, Most Reliable Credit Monitoring³

Get Alerts on Suspicious Transactions

Instantly Lock Your Experian Credit File

Fastest, Most Reliable Credit Monitoring³

Get Alerts on Suspicious Transactions

Expert Guidance at Every Step

Protecting Over 500,000 Happy Customers

Choose the Plan That’s Right for You

Individual

Identity Theft Protection

Financial Fraud Protection

Online Privacy & Security

Couple

Identity Theft Protection

Financial Fraud Protection

Online Privacy & Security

Family

Family Identity Theft Protection

Financial Fraud Protection

Online Privacy & Security

Child Online Protection

Safe Gaming (Online Predator Alerts)