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After testing the best credit monitoring services based on ease of use and critical features, we learned Aura is the best choice.
Updated June 27, 2025
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Brought to you by one of the biggest names in cybersecurity protections, LifeLock keeps your credit and finances secure by prioritizing your digital privacy to ensure fraudsters never get their hands on your personal information in the first place.
Aura offers a three-in-one VPN, password manager, and identity protection service with some of the best credit monitoring we’ve seen. Add to that financial monitoring and a user-friendly dashboard, and you’ve got yourself an effective identity theft product.
IdentityGuard is one of our top-rated services for monitoring and protecting your credit. They utilize state-of-the-art artificial intelligence powered by IBM’s Watson platform to proactively look for and respond to threats.
Picture this: Someone is ready to purchase their first home. They’ve been saving up for the down payment, and they know exactly what property they want. They’ve been financially responsible, so they’ve budgeted for a pretty good interest rate. When it comes time to pull the trigger, they find out that their credit score, which they expected to be sitting pretty in the mid 700s is actually languishing in the low 400s. They can’t secure the loan, and they’re left wondering how this could have happened.
Pro Tip: Identity theft is a growing threat, and many won’t know they’ve become victims until it’s too late. But did you know there’s one indicator that, above all, can alert you if your identity has been stolen and someone is using it for their own financial gain? It’s your credit score.
The fact of the matter is most people don’t pay close enough attention to their credit scores. You could go months, or even years, without thinking about it. And it’s when your guard is down that fraudsters strike. The good news is that there are plenty of identity theft protections on the market today that will keep a watchful eye over your scores and reports and let you know if anything suspicious is happening.
We’ve spent thousands of hours selecting the best identity theft protection services, and we’ve come up with a top-six list of those with the best credit monitoring functionality.
LifeLock is one of our favorite services on the market today for its cybersecurity protections alone. While they aren’t the only identity theft protection service to offer this sort of functionality, they certainly offer the longest list of features. Add to that powerful financial account scanning, credit report and score monitoring, and personally identifying information alerts, you’ve got some of the best, most well-rounded protections available. Before we get going, though, let’s take a look at L5ifeLock’s pros and cons.
When we reviewed LifeLock, we were blown away by their prioritization of your cybersecurity. They offer everything from traditional antivirus software to encrypted password vaults to virtual private network access. With these protections in place, LifeLock is all but guaranteeing that your data won’t get into the wrong hands.
But if it somehow does, LifeLock still has you covered. They’re keeping an eye on all three credit monitoring bureaus, and giving you access to your full credit reports once a year to make sure there aren’t any discrepancies. They’re also constantly scanning your financial accounts and balances for unusual activity, so if someone’s managed to break in, you’ll know about it immediately. And if, despite all these protections, a fraudster still manages to steal from you, LifeLock will reimburse you up to $1 million.
Did You Know? It’s important to keep a close watch on your credit reports, even if it seems like a chore. According to the Federal Trade Commission, one in five American adults has an error on one or more of their files that could negatively impact their credit score.
We really think that LifeLock’s main highlight is the one-click credit lock. With this, you’ll be able to toggle access to your TransUnion credit file on and off with the click of your mouse, making it virtually impossible for bad actors to establish credit or take out loans in your name.
They offer a broad array of services packages and pricing plans, so be sure to check out our guide to LifeLock costs and packages to find the plan that’s right for you.
| Identity monitoring | Yes |
|---|---|
| Credit monitoring | 1-bureau or 3-bureau |
| Insurance | Up to $3 million |
| Free trial |
30 days (standalone LifeLock plans) 7 days (LifeLock-Norton 360 bundles) |
| Money-back guarantee |
60 days (long-term plans) 14 days (monthly plans) |
Aura takes the top spot for our best credit monitoring services because of its comprehensive list of features that spans from device protection to financial account monitoring. But before we dive into the details, let’s review Aura’s pros and cons.
When we reviewed Aura, what impressed us the most is the fact that they do a little bit of everything to protect your identity and finances. They have one of the most comprehensive lists of features we’ve seen, and we’ve seen a lot of identity protection services.
To start with, Aura shields you from credit and identity fraud originating from malware through the antivirus software that comes with the service. They also offer a virtual private network to prevent hackers from stealing your financial data when you connect to unsecure public Wi-Fi.
Aura also covers your financial accounts. They monitor nearly everything, from your bank, 401(k), and investment accounts to financial transactions made with your credit cards and bank accounts. On top of all that, Aura provides real-time alerts of inquiries into your credit file across the three major credit bureaus — Experian, Equifax, and TransUnion. You’ll also get monthly credit scores and annual credit reports. And Aura also streamlines the process of freezing your child’s credit file (in case you need to do it to protect their credit).
Even some of Aura’s identity monitoring features help in credit monitoring and protection. Their identity verification monitoring, as an example, tracks how your personal data and Social Security number is being used. Aura will alert you if someone, whether you or an identity thief, is using your identity for high-risk transactions like payday loans and wire transfers. All of those credit protections, and more, are included in Aura’s plans available for individuals, couples, and families or groups.
Although it’s our top pick, we wish the credit lock extended to all three major credit bureaus (as it stands it only locks Experian). Also, the service is a bit pricey since it doesn’t have subscription tiers.
| Identity monitoring | Yes |
|---|---|
| Credit monitoring | Three bureaus |
| Insurance | Up to $1 million |
| Free trial | 14 days |
| Money-back guarantee | 60 days |
Identity Guard has a proactive approach to identity theft protection with a healthy prioritization of credit score and report monitoring. This makes it one of the most powerful prevention tools on the market today. But before we get into the breakdown of their services, let’s take a quick look at Identity Guard’s pros and cons.
One of the first things we noticed when we reviewed Identity Guard is the proactive posture they take in protecting your identity. Powered by IBM’s Watson artificial intelligence platform, Identity Guard’s services are literally growing smarter every day. This is critically important as the identity theft threat landscape is constantly evolving.
Their list of features — particularly when it comes to financial protections and security — is comprehensive. Not only will your credit reports and scores be monitored, your accounts will be too. Checking and savings, investment and retirement, Identity Guard will keep an eye on all of ‘em. They also use dark web scanning technology to monitor dark web marketplaces and message boards to make sure your personal information isn’t showing up where it shouldn’t.
Did You Know? Your information can show up on the dark web for many reasons. Sometimes a hacker actively steals your personal data. Sometimes a data breach at a company you’ve done business with puts you at risk. Either way, if your information does show up on the digital black market, you want to make sure you know about it, and that you take appropriate action.
Another element we really like about Identity Guard is that they’ll walk you through setting up security freezes with the three major credit bureaus as well as Innovis — a lesser-known monitoring agency. This is extremely helpful since it will prevent fraudsters from accessing your credit files to take out loans or establish new lines of credit in your name. Note — Identity Guard doesn’t actually set up the freeze for you, they’ll just help guide you through the process.
The company offers several tiers of service, so we recommend you take a look at our breakdown of Identity Guard’s pricing and services.
| Identity monitoring | Yes |
|---|---|
| Credit monitoring | 1-bureau or 3-bureau (except Value plan) |
| Insurance | Up to $1 million |
| Free trial | No |
| Money-back guarantee | 60 days (long-term plans) |
When you’re looking for identity theft with great credit monitoring, sometimes it’s best to go straight to the source. Since IdentityWorks is brought to you by Experian, you know your credit is going to be covered from all angles. Let’s check out the pros and cons before we get into Experian IdentityWorks' services.
Like we said, since we’re dealing with Experian, you know the credit monitoring is going to be on point. When we tested Experian IdentityWorks, we were pleased to find not only a great core set of services, but some great credit-related add-ons as well. We really appreciated their one-touch Experian credit file lock, their FICO score simulator, and their detailed triple-bureau credit monitoring and reporting.
Another neat feature they offer is Experian Boost, which allows you to tether your utility and phone bills to your Experian credit report. If you have a history of paying these on time, you’re likely to see a 10 to 15 point increase in your score automatically.
Did You Know? It’s perfectly normal to see some variation in your credit scores from bureau to bureau. Each agency uses similar data points to calculate your score, but their methodologies vary slightly.
There’s no cookie-cutter approach to identity theft protection, so make sure you check out our guide to Experian IdentityWorks pricing and services to make sure you’re selecting the package that’s right for your specific situation.
| Identity Monitoring | Yes |
|---|---|
| Credit Monitoring | 3-bureau |
| Insurance | $1 million |
| Free Trial | 7 Days |
| Money-back guarantee | None |
IdentityForce is another powerful identity theft protection service that prioritizes credit monitoring while offering robust protections against all sorts of fraud. Their core functionality is rock-solid, and they offer a few cybersecurity bonuses to boot. Before we unpack their services, let’s take a quick look at the pros and cons punch list.
In our IdentityForce analysis, we found strong protections against a variety of attack vectors that are sure to thwart even the most enterprising identity thief. What we really like, though, is their focus on your finances and on your credit.
You’re of course going to find triple-bureau credit monitoring and reports, but where IdentityForce really shines is with its bonus features. Their credit score simulator, for instance, is one of the most detailed we’ve seen, and will help you get a better understanding of what will happen to your score if you should, say, pay down the balances of your credit cards or file for chapter 11 bankruptcy. It’s a helpful function to have for anyone looking to repair or rebuild their credit.
Did You Know? There are different types of bankruptcy, but they will all negatively impact your credit score for years — some up to a decade. Bankruptcy is really the nuclear option, and should only be used in the most dire of circumstances.
IdentityForce also offers a detailed credit score tracker, so you can take the strategies you’ve developed in the score simulator and see how they impact your numbers over time. Again, a really helpful tool for anyone looking to improve their scores while protecting their identity.
Finally, IdentityForce offers a whole host of financial resources and educational materials. While they’re protecting your identity from fraudsters, you can shore up your knowledge on a variety of topics from how mortgages work to shopping around for an auto loan. It’s these types of bonuses that really make IdentityForce stand out.
Like most protection products on our list, they offer different service packages at different price points. Be sure to check out our breakdown of IdentityForce plans and pricing to make sure you get the best bang for your buck.
| Identity monitoring | Yes |
|---|---|
| Credit monitoring | 3-Bureau |
| Insurance | Up to $2 million |
| Free Trial | 30-Day |
| Money-back guarantee | Yes (prorated) |
PrivacyGuard isn’t as well-known as some of the others on our list, but don’t count them out. We found they offered extremely robust credit monitoring and reporting as well as a full suite of identity theft protections that give some of the bigger names a run for their money. Let’s have a quick look at PrivacyGuard’s pros and cons.
What they’re lacking in name recognition, PrivacyGuard more than makes up for in functionality. While some of the more well known services only offer triple-bureau credit reports once a year, PrivacyGuard grants you access once a month. That’s unique in this space and well worth your consideration if you’re the type that really wants to stay on top of things.
They also offer a highly detailed triple-bureau credit score tracker so you can see how each of your scores is performing over time in comparison to one another. In addition, you also get access to a credit score simulator and a financial calculator suite that shows you how certain financial decisions could impact your credit score.
Our main complaint is that the cheapest subscription tier doesn’t include any credit monitoring (some competitors include at least one-bureau monitoring on their cheapest plans). On the plus side, the lowest tier still comes with decent credit monitoring tools, like bank account and debit and credit card monitoring.
A credit report is a document that contains information about your credit activity and current financial situation, including payment histories and the status of your credit accounts. For the most part, these reports are provided by three bureaus — Experian, TransUnion, and Equifax.
Lenders and creditors use your credit report to determine all sorts of things, like gauge if you’ll continue to meet the terms of an existing account or to offer you insurance, rent you a home, or issue you an auto loan. Your credit report can also be used by potential employers to make decisions on whether or not to hire you.
Did You Know? It pays to review your credit report. According to the Federal Trade Commission, one in five reports contain errors.
So, you want to make sure that all of the information on your report is accurate and up-to-date. If it’s not, there might have been a mistake made somewhere along the line, or worse — you might be the victim of identity theft.
When you request your report, it might seem a little complicated at first. That’s okay though, once you know what you’re looking at, things become a little less daunting. Credit reports are divided into four sections, so let’s break those down.
The first section of your credit report is your personal information. This will include your name, any nicknames you go by, your current and former addresses, and sometimes it’ll include your marital status or employment information.
The next section, your credit information — or as they're sometimes called, tradelines — will make up the bulk of the report. This is the information that tells lenders and creditors your history of handling credit accounts. This’ll include a list of your current creditors along with balance information for those accounts as well as payment patterns for the last 24 for 36 months. If you have a late payment or something that has gone to collections, it’ll be indicated in this section.
Next, you’ll find the public records section. This is where anything related to your creditworthiness that shows in your public records will appear. This might include liens, bankruptcies, repossessions, court-ordered child support, or other judgments. Pay close attention to this section. If something doesn’t look right, you’ll want to get it resolved right away.
FYI: Bankruptcy will stay with you for several years, negatively impacting your credit. But bankruptcy is not the end of the world.
Finally, you’ll find your inquiries section. This is a list of anyone who has accessed your credit report. Just so you know, these inquiries can either be hard or soft. A hard inquiry is one that is initiated by you, such as applying for an auto loan. A soft inquiry happens when your report is checked for a reason unrelated to credit applications such as offering you pre-approval for a new credit card.
Most of the time hard inquiries will negatively impact your credit slightly, so you want to avoid accessing your report in this way too often. Be sure to pay attention here. If there are hard inquiries you don’t recognize, it’s a very good indicator that you’re the victim of identity theft.
So if you’re being vigilant, you’re checking your credit reports from all three bureaus at least once a year. This will ensure there are no mistakes or fraudulent items negatively impacting your scores.
But what do you do if you find something you don’t recognize? What if there’s something suspicious? Do you have any recourse to dispute your credit report?
Luckily the three major credit bureaus — Equifax, Experian, and TransUnion — have mechanisms in place to resolve disputes. It’s free to dispute an item on your credit report, and both the credit reporting bureau and the information provider (the company or organization that’s giving financial information to the bureau) are legally obligated to respond to your dispute in a timely manner.
Did You Know? If negative information on your credit report is accurate, it could be there for a while. Most negative information will stick around for up to 7 years, and bankruptcy will appear on your credit report for up to 10 years.
While every situation is unique, generally speaking, disputing an item on your credit report is a two-step process: contacting the bureau, and contacting the information provider.
You’ll have to contact the credit bureau in writing with the information you think is inaccurate. The Federal Trade Commission has a sample dispute letter you can use, or you can use the credit reporting bureaus’ online portals:
You’ll need to include copies of any documents that support your case, and clearly indicate which items in the report you’re disputing, and request that the item or items are corrected or removed entirely.
Then it’s up to the bureau to investigate the item in question by reaching out to the information provider for their side of the story. This process usually takes about 30 days, and the bureau will provide you with any relevant information they uncover.
Once the investigation is complete, you’ll receive the results in writing and a new copy of your credit report if it’s changed as a result of the bureau’s inquiry. The bureau can also send updated reports to anyone who requested your file in the past six months, and up to two years if the request was related to your employment.
Did You Know? About 1 in 5 credit reports contain errors, according to the Federal Trade Commission. Thankfully, the best identity theft services offer credit report monitoring and credit score checks so you can stay on top of your creditworthiness.
While all this is going on, you’ll also need to inform the information provider in writing that you’re disputing a piece of information. You can use the FTC’s sample dispute letter if you’d like. Similar to dealing with the credit bureau, you’ll need to include copies of the documents that support your position. They’ll get in contact with the bureau and everyone will be on the same page.
If you suspect you’re the victim of fraud, there will be other considerations — you might need to contact the federal trade commission or the authorities — but more on that later.
Your credit report is a document containing various data sets that lenders look at to determine your creditworthiness. It absolutely pays to check this report at least once a year to make sure there aren’t any errors and nothing looks out of place.
FYI: Errors on your credit report can drive up your interest rates or you could be denied a loan because of them.
You’re entitled to a free credit report from each of the three major credit bureaus — Experian, TransUnion, and Equifax — every year. You can request your report directly from each agency, or, like the FTC recommends, you can visit annualcreditreport.com to request copies.
Remember, you’ll need your name, address, Social Security Number, and address to request a report.
Keep in mind that reports can be a little confusing if you’ve never seen one before. So now that you know how to get it, here’s what you can expect to find in your credit report.
Lots and lots of information, for starters. The first section includes your personally identifying information, so just make sure that’s all accurate and up to date. Then you’ll move on to the credit account information section. This is where lenders can see your accounts, mortgages, student loan debt or vehicle loans. You’ll also see when those accounts were open, your balances, and your payment history.
Did You Know? Fraud has been on the rise during the COVID-19 pandemic. That’s why Experian, TransUnion, and Equifax are offering free weekly reports. We can’t say for certain how long this will last.
Next, you’ll move on to inquiry information. There are two types of inquiries: soft and hard, and both will show up here. Make sure these inquiries make sense — you’ll see one when you bought your car, for example. If there are inquiries you don’t recognize, it could be an indication someone has or was trying to steal your identity.
Finally, you'll find information on delinquent accounts that have been turned over to collections agencies and bankruptcies. Here’s where you really want to be careful. If anything looks out of place in this section, you’ll want to act quickly to resolve it.
In order to establish a new line of credit or take out a loan, a lender does a “hard inquiry” into your credit file. This helps them determine your creditworthiness — or how likely you are to pay back debt — and will inform their decisions whether or not to issue the loan or line of credit and what your interest rate will be.
Did You Know? Hard Inquiries typically lower your credit score by a few points, but that ding will drop off after two years. It’s not a huge deal if you’re applying for a mortgage or taking out an auto loan, but you might want to think twice about applying for a fist full of credit cards all at once.
Now let’s say someone has stolen enough of your personally identifying information to pose as you and applies for a credit card in your name. The credit card company hard-pulls your report, everything looks good, so they issue the fraudster a credit card. They go on a spending spree, never pay the bill, and when it gets sent to collections, the debt collectors start coming after you.
Nightmare, right? Luckily there are a few ways to prevent this from happening, namely credit freezes and credit locks.
Generally speaking, credit freezes and credit locks accomplish the same thing. They prevent creditors and lending agencies from accessing your credit files, and, by extension, prevent unauthorized parties from taking out loans or establishing lines of credit in your name.
Federal law gives you the right to activate and remove credit freezes from each bureau for free. You’ll have to contact each credit bureau individually — Experian, TransUnion, and Equifax — to request them to freeze your credit file. In most cases, this can be done electronically.
Each credit bureau is required to place the freeze within 24 hours of your request, and they’ll provide you with a PIN you’ll need to unfreeze your file. The freeze must be lifted within one hour of request with the provided PIN. Just FYI, though, if you lose the number you can be issued another, but it will take much longer to unfreeze your file.
Locks differ from freezes, but only slightly. They accomplish the same thing, but locks are set and lifted in real-time. Locks are usually set up through third-party vendors like identity theft prevention products or through a secure website or app provided by the credit monitoring bureau. To set up a lock through the credit monitoring bureaus, you’re going to need proof of identification that can be submitted electronically or via hard copies.
Your credit score is a three-digit numerical expression of your creditworthiness based on analysis of data contained within your credit files. This includes your credit history, your payment history, and the amount of debt you carry. Simply put, it’s a number lenders look at to determine how likely you are to pay back your debt.
Higher credit scores indicate to lenders that you’ve demonstrated responsible financial behavior in the past and lead to more favorable outcomes when you’re trying to secure a loan or establish a new line of credit. This usually means lower interest rates, higher credit limits, and lower payments.
That said, everyone’s financial situation is unique, and different lenders may have different criteria when it comes to granting credit beyond your score alone. Generally speaking, credit scores are broken down into categories ranging from “Poor” to “Excellent.”
Three main credit bureaus provide these scores — Equifax, TransUnion, and Experian. These are the main data collection agencies in the U.S., and they use different methods and data points to determine your creditworthiness in a variety of situations and circumstances.
The most popular model is the FICO score — which can be “industry-specific” or “general-purpose.” There are other scoring models such as VantageScore, but most of the time, when you’re talking about your credit score, you’re referring to the general-purpose FICO score from one of the major credit bureaus.
Did You Know? It’s perfectly normal for your scores to fluctuate slightly between the three bureaus. While they all use similar data sets, they sometimes weigh specific indicators differently.
Everyone is entitled to a free credit report from each of the three bureaus once every 12 months. This will give you access to all of the data points used to calculate your score but usually won’t include the score itself. To find that out, you have a few options.
First, check with your credit card company, financial institution, or loan organization. Oftentimes these entities will provide scores to their customers. It might already be on your statement, or you might be able to access it online by logging into your account.
Or, you can contact the three credit bureaus directly. You’ll have to create accounts, and keep in mind there will be a small fee associated.
You can also check your scores using any one of the many online services available. Some of these are free, some of them are not. Some of them give you all three scores, some only one. Some will give you access to other credit functions, some will be more bare-bones. To cut the wheat from the chaff, it helps to figure out what your needs are before registering with any of these third parties.
Finally, the best option (in our opinion) is to sign up for an identity theft protection service. We highly recommend you go this route. Reputable services like IdentityForce, LifeLock, or Identity Guard will give you real-time access to your credit scores and will alert you if there are significant changes.
FYI: Want to find coverage that includes restoration if you happen to fall victim to fraud? If so, read our guide to the best identity theft protection with restoration. You’ll find that these plans all come with up to $1 million in identity theft insurance, dedicated restoration resources, and other benefits should you be targeted by fraudsters.
Not only does your credit score play an important role in determining some of your biggest financial decisions, it can also be an excellent bellwether of identity theft. If there are unexpected drops in your score, it’s a good indication that someone is using your identity to make purchases, secure new lines of credit, or take out loans in your name without your consent. If this goes unchecked, the damage can be insurmountable. So it’s absolutely critical that you keep an eye on your credit scores.
The following are the most common features of identity theft protection services that include credit protection:
Account fraud and credit theft go hand-in-hand. And bank account takeover is a serious matter — one that must be combated with a serious solution. The fraudster’s aim is to hack into your account and drain your net worth. So many ID theft services with credit monitoring offer this anti-takeover feature that keeps criminals out of your accounts.
Identity theft services with credit monitoring sometimes offer Payday Loan Monitoring. This feature searches for your name across high-interest loan companies. In the event your name is detected, it’s flagged and you will receive an automatic alert. Taking out loans in someone else’s name is a typical tactic for criminals.
Most services that offer credit monitoring also offer credit report monitoring. With this feature, your credit reports from the three main bureaus are under constant monitoring. If there’s even a hint of suspicious or unusual activity — or any inquiries or changes to your credit whatsoever — you’ll be immediately notified.
Signing on with just any service with credit monitoring doesn’t mean you’re 100% safe. Fraud still happens. So the smart move is to get covered with identity theft insurance. Some companies put their money where their mouth is with an impressive $1 million policy. This feature could help to bail you out of attorney fees, stolen funds, you name it.
You saved your whole life. You do not want your savings wiped out in one ruthless act of fraud. To avoid this, find an ID theft protection service that offers credit monitoring and 401(k) and investment activity alerts. This suite of features monitors your accounts for suspicious activity and sends automatic alerts if foul play is detected.
A critical feature to say the least, these alerts are triggered when a bank withdrawal, transfer, charge — or really any activity — deviates from your pre-configured settings or dollar amounts.
Identity theft protection companies are stacking their services with Loan Application Monitoring — a brilliant feature that alerts you when a loan application is submitted in your name. Yes, this happens all the time, and it gives a whole new meaning to the term ‘loan shark.’
Your social security number is the key to your identity. So you must protect this key with a robust monitoring service that scans millions (sometimes billions!) of data points looking for your SSN. If it’s found being used by anyone but you, you’ll be alerted immediately.
