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Identity protection

Some of the strongest protections cost nothing. Paid plans add monitoring, alerts and insurance; here is what one provider charges.

$0
A security freeze at each bureau
$12/mo
Aura's Individual plan, billed yearly

CFPB and Aura, read Oct 2, 2026. See source

Compare Aura's plansWhat is free
Hands feed an old card into a paper shredder.
On this page
  1. Key facts
  2. Where to start
  3. What is free, and what you pay for
  4. Aura's published plans
  5. See the plans on the provider's site
  6. Free steps that protect you today
  7. Sources

Key facts

  • A bureau must place a freeze within one business day of an online or phone request and lift it within one hour1.
  • A freeze does not affect your credit scores, and paid credit locks are no more effective1.
  • Aura says monitoring can help you spot identity theft early but cannot prevent fraud3.
  • Aura's annual plans carry a 60-day money-back guarantee; every plan has a 14-day trial2.

Where to start

Where to start
If you are askingStart withLink
Want to block new accounts in your name?A free security freeze at all three bureausHow freezes work
Want alerts when something changes?Paid monitoring, with or without insuranceCompare plans
Protecting a whole household?Aura's Family plan covers 5 adultsFamily plan

What is free, and what you pay for

Security freeze (free). A freeze stops new creditors from seeing your credit file, which blocks most new accounts in your name. Federal law makes it free at each of the three nationwide credit bureaus (Equifax, Experian and TransUnion). A bureau must place it within one business day of an online or phone request and lift it within one hour when you ask, and a freeze does not affect your credit scores. The CFPB adds that paid credit locks are no more effective than a free freeze1.

Paid monitoring. Identity protection plans watch your credit files, accounts and personal data and alert you to changes. Aura says credit monitoring can help you spot early signs of identity theft but cannot prevent fraud3.

Price and insurance. Aura's Individual plan is $12 a month billed annually or $15 billed monthly, with up to $1 million of identity theft insurance; its Family plan covers up to $5 million in total. All plans have a 14-day free trial, and annual plans carry a 60-day money-back guarantee24.

Aura's published plans

PlanBilled annuallyBilled monthlyIdentity theft insurance
Individual (1 adult)2$12 a month$15 a month$1M
Couple (2 adults)2$22 a month$29 a month$2M
Family (5 adults, unlimited kids)2$32 a month$50 a month$5M
SourceAura pricingRead Oct 2, 2026Aura pricingRead Oct 2, 2026Aura identity theft insuranceRead Oct 2, 2026

Insurance covers eligible out-of-pocket expenses under the policy's terms.

See the plans on the provider's site

How these links work: each button opens the provider's own site and earns us nothing today. This site is not a lender, insurer, broker or adviser.

Good for alerts across all three bureaus with identity theft insurance

Aura

Individual
$12/mo annually, $15 monthly
Insurance
Up to $1M per adult
Trial
14 days; 60-day guarantee on annual plans
Listed price
Individual: $12/mo billed annually, or $15 billed monthly
Checked
Oct 2, 2026
See plans on AuraOpens Aura's site. Not a referral link.

Also on Aura's site

What to check first
  • Freeze your files first; it is free
  • The guarantee covers annual plans bought on Aura's site only
  • What the insurance counts as eligible

Free steps that protect you today

  • Freeze all three files

    Free at Equifax, Experian and TransUnion; placed within one business day1.

  • Lift it when you apply

    A bureau must lift a freeze within one hour of your request1.

  • Your scores stay put

    A freeze does not affect your credit scores1.

Sources

  1. What is a credit freeze or security freeze on my credit report?Consumer Financial Protection Bureau, read Oct 2, 2026
  2. Plans and pricingAura, read Oct 2, 2026
  3. Credit monitoringAura, read Oct 2, 2026
  4. Identity theft insuranceAura, read Oct 2, 2026

About this page

We do not earn anything from applications or sign-ups today: every provider link is a plain link to the provider's own site, without a referral code. This site is not a lender, insurer, broker or adviser, and nothing here is financial advice.

OweLess Guide is also not a debt settlement company or credit repair organization, and nothing here is tax or legal advice.

Fees, prices and program terms belong to each provider and can change. The provider's own page is the final word, and the provider decides every application.