The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.


How We Calculate Rating

Ratings on Trusted Company Reviews are given by experts in that particular industry. Our experts monitor the brand closely and then give the brand a rating which you can trust.

Our rating score is based on 10 Points and a Five-Star shown alongside the score to easily understand the rating.

We frequently update the ratings of all brands so that you don’t choose a brand by their old  ratings.

Aura Credit Monitoring Review

Home » Brands » Aura Credit Monitoring Review

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 an identity theft protection service that also excels at credit monitoring, even though it’s not the company’s primary focus. 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 spent over 30 years working in residential construction, contracting, remodeling, maintenance, and home repair before beginning to write extensively as a way to broaden his reach. Throughout his career, his passion has been helping his clients find the potential hidden within the walls of every home and providing them with the information and tools to take control of their repair and remodeling endeavors. Part of his goal was, and is, to assist his clients, and now his readers, in finding ways to make their ambitions a reality. To meet that desire, Deane now provides written content about all things relating to the home and personal finances.
Dr. Ali

Deane Biermeier

Last Updated July 28, 2023

Editorial Reviews

Must Reads

Happy Head vs. Hims vs. Keeps: (Compare Your Best Options!)

Choosing the Right Hair Loss Solution: Happy Head vs. Hims vs. Keeps Are you starting to notice hair thinning or even losing hair? Happy Head, Hims and Keeps can all provide treatments for hair loss and regrow hair for men and women. Reviews on all three companies...

Which is Better?: Identity Guard Vs. LifeLock

Which is Better?: Identity Guard Vs. LifeLock At first, an Identity Guard vs. LifeLock comparison may look like a toss-up. Both companies have been in the game longer than most, and both offer solid identity theft protections and plans with variable coverages to allow...

Credit Karma Vs. Experian: Which is better?

How does Experian compare to Credit Karma? While there are numerous prominent credit monitoring companies, choosing one over another as the best depends mainly on your preferences and needs as a consumer. Credit Karma versus Experian is always a hot topic, as the two...

The Best Budgeting Apps to Stop Overspending

If you're looking to get your finances in order, budgeting apps are the perfect solution. Budgeting apps can help you keep track of your bills, avoid overspending, and manage your money more effectively. But with so many options out there, how do you decide which is...

The Best Cameras for Vloggers

Just starting out in vlogging and not sure which camera to buy? There are many options on the market, and it can be hard to decide. We’ve compared four popular cameras based on their price and features to help you find the best vlogging camera for your needs and...

Best Personal Loans for Bad Credit

If your credit score needs work, getting a personal loan can be more challenging. However, some lenders are willing to work with borrowers with credit difficulties. We compared five lenders who have personal loan options for bad credit.   What is a Personal...

Best Debt Consolidation Companies for Credit Card Debt

When credit card debt gets out of hand, debt consolidation companies can help you get it under control. The best debt consolidation company for you will depend on the size and type of debt you have, your credit score, and your overall financial situation.  How To...

Social Links