- Fast 3-bureau credit monitoring alerts
- Credit reports and monthly credit scores
- Easily lock and unlock your credit file
- Best Sale of the Year! Up to 78% off
“Aura is a good choice for you if you want a long-list of credit and identity theft monitoring services at a competitive price point.“ (Jan 2024)
- 60-day money-back guarantee
- Up to $1M reimbursement
- Enjoy 52% off your first year
- Complete access to your monthly credit score
- Real-time credit monitoring alerts
- Best Sale of the Year! Up to 63% off
- Proactive monitoring & real-time alerts
- Credit report reminders
- Repays up to $1M for stolen funds & expenses
- Daily credit score updates
- Up to $1M identity theft coverage
- 30-day money-back guarantee
- Lock your credit file at all 3 credit bureaus
- Up to $2M identity theft coverage
- Identity resolution specialists available 24/7
- Fast 3-bureau credit monitoring alerts
- Credit reports and monthly credit scores
- Easily lock and unlock your credit file
- Best Sale of the Year! Up to 78% off
“Aura is a good choice for you if you want a long-list of credit and identity theft monitoring services at a competitive price point.“ (Jan 2024)
What is Credit Monitoring?
Generally speaking, credit monitoring is any action taken to keep tabs on everything that affects your credit. Credit monitoring services tackle specific areas that are at risk of being targeted by cybercriminals. With fraud and identity theft on the rise, consumers are learning that they need to be more conscientious about reviewing their credit reports. According to the Federal Trade Commission (FTC), there were 2.8 million fraud reports in 2021, with fraud losses exceeding $5.8 billion.
In general, the top credit monitoring services keep an eye on your credit history, watching for any unusual, unauthorized, or suspicious behavior. It usually includes regular access to your credit score and credit reports from any of the three major credit bureaus in the country. The best credit monitoring app could make it more convenient to access your details at any time on the move.
A credit report is made up of several factors.
your payment history
loans you’ve taken out
your employment records
If you have a poor credit score, using the best credit monitoring service can help you highlight which areas need improvement to boost your score. You might want to improve your credit score if you tried applying for a loan but got rejected, want to upgrade your credit card status but are being held back by a poor credit score, or if you are planning to apply for a loan in the near future and want to ensure that you receive the best interest rate possible.
How Does Credit Monitoring Work?
A credit monitoring service sends you an alert after tracking changes and/or actions made in your name. For example, if a loan or credit card is applied for under your name or using your social security number, the best credit security monitoring service will raise a red flag and you’ll be notified immediately for a response.
Credit monitoring companies keep track of your credit, enabling you to more easily make the improvements needed to raise your credit score. Here’s how that works:
You receive your credit report monthly, bi-annually, or quarterly, depending on the service.
Most of the best credit monitoring services highlight the areas in your credit report that need improvement.
Armed with this information, you can rebuild your damaged credit score.
Also, you can quickly amend any inaccuracies in your report, instantly improving your credit score.
Keep Tabs on Your Credit the Smart Way
In {year}, the need for staying on top of your credit is more important than ever. Whether you’re looking to clean up your credit score so that you can qualify for a better interest rate on a loan, or you want to ensure that your identity is being protected, using one of the best credit monitoring services can keep your accounts safe.