10 Best Credit Monitoring Services - January 2026
Stay safe with real-time credit monitoring, identity theft protection, and expert-backed support. Discover the best credit protection and credit monitoring services—trusted tools for guarding your personal information online.
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Special Deal: Pay Only $6.99/Mo for the First 2 Years
- Real-Time Credit, Dark Web & Social Media Monitoring
- Up To $1 Million Identity Theft Coverage*
- 24/7 U.S.-Based Identity Restoration Assistance
- Instant Alerts For Leaked or Exposed Personal & Financial Info
What is Identity Theft Protection and How Does it Work?
Identity theft protection is a service that helps safeguard your personal information, such as your Social Security number and bank details, from being stolen and misused by fraudsters. It works by monitoring your accounts for suspicious activity, alerting you to potential threats, and providing assistance to recover stolen identity and finances. See our top picks above for the best identity theft protection companies that offer top-rated identity protection, the best personal information protection services, and the best social security protection.
Best Identity Credit Monitoring Services
Need credit protection and identity protection services? The best credit monitoring service and ID theft protection monitors your credit reports and scores, alerting you to any changes or suspicious activity, like new accounts or hard inquiries. They work by continuously tracking your credit data from major credit bureaus and sending you real-time alerts to help prevent identity theft and fraud. These services also provide credit card protection.
Aura Identity Theft Protection
Aura Identity Theft Protection Overview:
Aura is a digital security company that provides comprehensive identity theft protection, credit monitoring, and online privacy services. With real-time alerts, fraud resolution support, and a user-friendly platform, Aura helps individuals and families safeguard their personal information against cyber threats.
Aura ID Theft Protection Features:
- Real-time 3-bureau credit monitoring
- 24/7 fraud alerts for suspicious activity
- AI-driven risk detection technology
- Extensive identity restoration support
- Up to $5 million in insurance coverage for eligible losses
- Comprehensive family plans that include child protection
- Credit lock for enhanced security
- Bank fraud and financial transaction monitoring
- Monthly credit score reports
Plans & Pricing:
Aura provides flexible pricing options, starting at $9 per month for individuals and $20 per month for family plans. Each plan comes with extensive features, offering comprehensive identity theft protection and credit monitoring at competitive rates.
LifeLock Identity Theft Protection
LifeLock by Norton Identity Theft Protection Review:
LifeLock Identity Theft Protection provides comprehensive services designed to safeguard your personal information and help prevent identity fraud. Known for their extensive monitoring and alert systems, LifeLock aims to protect your identity and offer peace of mind with their responsive support and insurance coverage for restoration expenses.
Plans & Pricing:
LifeLock offers various pricing tiers to suit different needs, starting at basic plans for essential protection and scaling up to comprehensive coverage with premium features. Each plan includes identity monitoring and restoration support, with higher tiers offering more extensive credit monitoring and financial protection.
Enjoy everything LifeLock has to offer, free for the first 30 days with no restrictions!
Partner Disclaimers & Disclosures:
Aura: *As compared to the competition. Results based on a 2022 mystery shopper consumer study conducted by ath Power Consulting. ath Power Consulting was compensated by Aura to conduct this study.
¹ The score you receive with Aura is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your TransUnion or Experian credit file. Lenders use many different credit scoring systems, and the score you receive with Aura is not the same score used by lenders to evaluate your credit.
LifeLock: *Up to $1 million for coverage for Lawyers and Experts included on all plans. Reimbursement and expense compensation varies according to plan—up to $1 million each for LifeLock Ultimate Plus. Insurance benefits are issued by third parties. See GenDigital.com/legal for policy info.
¹ LifeLock does not monitor all transactions at all businesses.
Identity Guard: *The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.
¹ The score you receive with Identity Guard is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your Equifax credit file. Lenders use many different credit scoring systems, and the score you receive with Identity Guard is not the same score used by lenders to evaluate your credit.
Iris: *Plan includes up to $2 Million in Identity Fraud Expense Reimbursement for covered expenses, Home Title Fraud, and Cyber Extortion, and up to $1 Million in Cash Recovery for unauthorized electronic fund transfers from Checking & Savings Accounts or Investment/Health Savings Accounts. The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the Summary of Benefits for terms, conditions, and exclusions of coverage.
**The service provider is not responsible or liable for the availability, safety, accuracy or effectiveness of the techniques, products, tools or resources used by the service provider in its ScamAssist® service and your access and use of ScamAssist® is entirely at your own risk.