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Aura Credit Monitoring Review

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Table of Contents

Aura Credit Monitoring Review – Pros, Cons, and Facts You Should Know

Sometimes referred to as Aura digital security or Aura financial fraud protection, Aura is an identity theft and credit monitoring company offering three distinct paid membership subscriptions, each of which provides an extensive list of valuable services to help protect you from identity fraud. Aura also allows you to keep an eye on your credit score from all three main credit bureaus. Learn more about the company in this Aura credit monitoring review.

About Aura

Starting in 2014, Aura is a service provider that rates as our top pick for the best ID theft company for seniors in our annual review of the best identity theft companies that also excels at credit monitoring. You may see a similar company listed as Aura Identity Guard. The difference is that Aura’s parent company owns Identity Guard, and the two companies operate as independent entities.

Aura Credit Monitoring

Aura’s credit monitoring services come with each plan, including reporting from all three main credit bureaus, and provide your credit score as listed by VantageScore. The company has a relationship with Experian, one of the main credit bureaus, which allows you to freeze and unfreeze, or thaw, your credit report from the Aura app.

Aura members can pay for their services on a monthly or annual basis. Paying once annually for your membership offers substantial cost savings over the month-to-month rate. Prices range from $15 per month or $144 per year for individual membership to $50 per month or $444 per year for the most comprehensive family plan that includes protection for up to five adults and unlimited kids.


  • Compiles credit scores from all three credit bureaus

  • Thorough identity protection services are available

  • Excellent customer service and ID fraud assistance reviews

  • 14-day free trial and 60-day money-back guarantee

  • VPN and virus protection are included in all membership plans

  • Up to $5 million identity fraud insurance available in top plan

  • Bank transaction monitoring provided


  • Full credit reports are only available annually

  • Online predator protection only available in the top-tier family plan

  • Costs more than some competitors

  • Doesn’t offer FICO scores or financial advice

  • Can only freeze and thaw Experian credit

Aura Features and Benefits

Credit monitoring is a large part of all three plans that Aura offers. The company provides a 14-day trial period for all of its membership subscriptions and a 60-day money-back guarantee if you’re unsatisfied with the service. Following are the basic benefits of an Aura subscription.

  • Credit monitoring of all three main credit bureaus
  • Monthly credit score updates
  • Annual full credit report availability
  • Online tools like antivirus protection, password management, and a VPN
  • Identity theft insurance protection
  • Social Security Number monitoring
  • Loan and bank activity monitoring
  • ID theft repair assistance

Aura Editorial Rating

Trusted Company Reviews Rating Score for Aura: 6.6

Criteria Points
Better Business Bureau Grade 9
Trustpilot Review Rating 8
Free Credit Monitoring Available 0
Three-Bureau Reporting Available8 9
Best Plan Monthly Cost 0
Identity Theft Features 7
Credit Score Update Frequency in Lowest-Cost Plan 2
Credit Score Update Frequency in Highest-Cost Plan 2
Family Plan Available 5
Additional Features 6
Expert Opinion Score 18

Aura Plan and Pricing

There are no free membership plans with Aura. However, the company offers three plans that all feature credit monitoring and a host of identity theft protections.

Individual Protection Family Protection Ultimate Protection
Monthly / Annual Price $15 / $144 $30 / $288 $50 / $444
Features VPN

Antivirus protection and ad blocker

Password management

Email masking

$1M identity theft insurance protection

Fraud protection

ID theft remediation service

1GB of sensitive data storage

Protection and credit monitoring for 1 adult


Antivirus protection and ad blocker

Password management

Email masking

$2M identity theft insurance protection

Fraud protection

ID theft remediation service

2GB of sensitive data storage

Protection and credit monitoring for 2 adults and unlimited children

Parental controls


Antivirus protection and ad blocker

Password management

Email masking

$5M identity theft insurance protection

Fraud protection

ID theft remediation service

5GB of sensitive data storage

Protection and credit monitoring for 5 adults and unlimited children

Parental controls

Online predator alerts

Is Aura Credit Monitoring Right for You?

Aura is an excellent choice for individuals and families primarily in the market for identity theft and fraud protection but also wanting to monitor their credit score and bank activity as part of an overall package.

While Aura isn’t the cheapest way to monitor your credit, and some identity theft services are available through other companies at lower prices, the company offers thorough credit monitoring as part of its identity theft protection packages, and the combination may be worth the slightly increased expense over its competitors.

If you’re looking for credit monitoring of all three bureaus, consistent credit score updates, and desire a high degree of comfort knowing that your identity is being protected, Aura is worth considering. If you find that Aura isn’t your best option, the company offers a free trial and a money-back promise.

Aura Vs. LifeLock

Aura and LifeLock are similar companies in that they both provide identity theft and financial fraud protection, including credit monitoring. While Aura is somewhat more costly than LifeLock, especially for first-year subscribers in which LifeLock customers receive an introductory discount, Aura’s membership plans offer a bit more flexibility, straightforwardness, and more substantial online tools for families with children.

Aura members receive credit monitoring of all three credit bureaus and monthly credit score updates regardless of their chosen plan. LifeLock reserves three-bureau updating for customers in the higher-cost plans only. Both companies allow you to try them out by offering 60-day money-back guarantees. However, LifeLock grants a 30-day trial period, compared to Aura’s 14-day trial before billing starts.

Regarding identity protection and fraud deterrence, both companies offer long lists of features and benefits, including virus protection and other online tools, comprehensive ID theft insurance coverage, and help to put things back together after a lost or stolen wallet incident or identity exposure issue.

The company you choose will likely depend on which products and services you’re comfortable using and feel will best protect your interests.

Aura LifeLock
Credit monitoring in lowest-cost plans No Limited
3-Bureau credit monitoring Yes Available
Credit score updates Monthly Monthly
24/7 customer service Yes Yes
Full credit report availability Annual Annual
Dark web monitoring Yes Yes
Social Security monitoring Yes Yes
Mobile app Yes Yes
Social media / online predator monitoring Available in top plan No
Family plan available Yes Yes
Identity theft insurance Up to $5 million Up to $3 million
Lowest cost $15/month or $144.00/year $11.99/month or $124.99/year after 1st year
Highest cost $50/month or $444.00/year $34.99/month or $339.99/year after 1st year

Frequently Asked Questions

What is Aura?

Is Aura a legit company?

Is Aura part of Identity Guard?

How does Aura monitor credit?

What is a credit freeze?

What does VantageScore Mean?

Can Aura help me improve my credit?

What are recent complaints about Aura credit monitoring services?

Is Aura better than LifeLock?

About Author

Dr. Ali
Deane Biermeier is a prominent figure in all things finance and home improvement, renowned for his detailed written content, analyses, and expert advice. Over the past several years, he's contributed to industry-leading publications such as Forbes Home, Angi/HomeAdvisor, US News and World Report, Newsweek Vault, and Family Handyman. Deane's expertise is further established and recognized through his review board roles and by providing expert insights at The Spruce and Family Handyman. His recent affiliation with in 2023 further solidifies his position as a respected authority in his field. Key Highlights Extensive Publication Contributions: Deane's work is featured across multiple esteemed platforms, including Forbes Home, Angi/HomeAdvisor, US News, Newsweek Vault, and more. Expert Consulting and Insight: Offers specialized content reviews and consultations for The Spruce and Family Handyman, using his vast knowledge and experience. What Makes Deane Biermeier Stand Out? Deane's writing goes beyond providing lists of information. He strives to make complex topics understandable and breaks them down into easy-to-understand points so his readers can make confident decisions quickly. His content covers a wide array of topics, offering practical and valuable information on home-related, DIY, and home and personal finances. Philosophy and Approach Deane firmly believes in the power of informed decision-making and empowers his readers to do the same. His reviews focus on delivering essential and pertinent information with honesty and transparency without bias. He stresses the importance of understanding the full picture before committing to financial products or home improvement services and provides relevant information to ensure his readers can make confident decisions. Impact and Recognition Readers and industry leaders have widely acknowledged Deane's contributions. Delivering trustworthy information has made him a go-to source for those seeking practical advice on home improvement and financial decisions. With years of field experience complemented by thorough research, Deane continues to serve as a valuable resource for homeowners and consumers alike. Engage with Deane Biermeier Readers are encouraged to follow Deane for the latest reviews and updates. His author bio page, featuring his latest content, is filled with valuable insights and information to refer to when making product and provider choices. Sharing his profile and work on social media is a great way to empower others with useful and factual information.
Dr. Ali

Deane Biermeier

Last Updated: February 1, 2024

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