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Credit Monitoring & Identity Protection
Credit monitoring and identity protection services track your credit reports and scores, alert you to changes, and help detect identity theft. Compare services by monthly price, bureaus monitored, credit scores included, identity-theft monitoring, fraud alerts, and protection features.
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4 products
How it works: SmartCredit is a credit monitoring and credit-management service. Basic includes a monthly TransUnion credit report and credit-management tools; Premium adds monthly 3-bureau credit reports and scores plus ScoreTracker, ScoreBuilder, ScoreBoost, and Future Score features.
Best for: People who want credit-management tools and monthly bureau reports
Advertiser Disclosure: We may earn compensation when you use certain links.
How it works: IdentityIQ combines identity theft protection with credit monitoring. Plans range from 1-bureau monitoring (Secure Basic/Plus) to 3-bureau monitoring (Secure Pro/Max), with monthly 3-bureau credit reports and scores on Secure Max. Features include dark web monitoring, SSN alerts, identity restoration, and stolen-funds reimbursement subject to policy terms.
Best for: People who want bundled identity theft protection and credit monitoring
Advertiser Disclosure: We may earn compensation when you use certain links.
How it works: Aura combines identity theft protection, 3-bureau credit monitoring, and device security. Features include instant credit lock, financial transaction alerts, dark web monitoring, data broker removal, antivirus, VPN, password manager, and fraud remediation. A 14-day free trial is advertised. Aura's partner email also highlights automated personal-data removal requests to 200+ data brokers and people-search sites, parental content filters, screen-time management, and AI-powered gaming safety alerts. Feature availability varies by plan, product, supported device, and service eligibility. Confirm the selected plan includes the privacy or parental-control tools you need.
Best for: People who want all-in-one identity protection, credit monitoring, and device security; people seeking personal-data removal and families seeking parental controls on eligible plans.
Advertiser Disclosure: We may earn compensation when you use certain links.
How it works: WalletHub monitors your TransUnion credit report and VantageScore 3.0 score with daily updates, and combines credit tools with budgeting, spending tracking, and identity-protection features in one platform.
Best for: People who want free credit monitoring and everyday personal-finance tools in one platform, with optional Premium identity protection and credit-building features.
Advertiser Disclosure: We may earn compensation when you use certain links.
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Get My Credit PlanInside a monitoring app
What monitoring looks like day to day
Most monitoring services put three things front and center. Here's how Aura lays them out on phone and tablet.
Alerts in one place
Notifications when something on your accounts or credit file changes.
A score snapshot
A credit score view with the bureau and scoring model labeled.
Protection checklist
Suggested steps, like locking a credit file or turning on monitoring.
