Stay Ahead with Real-time Credit Monitoring & Alerts

One in four Americans discovers a concerning change on their file each year — often long before they notice any impact on their finances.

That’s why fast alerts and clear access matter. Our always-on service sends timely alerts when key events occur, so you can act without delay.

Get full access to your annual 3-bureau report and VantageScore 3.0 scores from Equifax, Experian, and TransUnion to see where your standing is today and what changed recently.

Setup is simple: sign in, scan updates, and review action steps. Some bureau feeds may take a few days to begin, but core alerts arrive as coverage activates. Transparent pricing (for example, $19.95 per month with cancel-anytime terms) makes trying the service low risk.

Explore plan options and tools like dark web scans, file locks, and restoration help to strengthen identity protection and keep your score information within reach. Learn more on the official page for reports and monitoring here.

Key Takeaways

• Instant alerts help you spot suspicious account activity fast.
• Access annual 3-bureau reports and VantageScore 3.0 scores in one place.
• Some bureau feeds may take a few days to start after signup.
• Transparent pricing and cancel-anytime terms reduce commitment risk.
• Extra tools like dark web scans and file locks add identity protection.

Protect your credit in the present with always‑on monitoring and instant alerts

Quick detection of suspicious activity helps you stop fraud before it grows. When minutes matter, always‑on services and fast alerts narrow the window bad actors have to harm your accounts.

Automatic fraud alerts can be turned on to prompt extra lender verification, and they auto‑renew each year. WebScan searches thousands of suspected fraudulent sites and notifies you if it finds Social Security, bank, card, or medical numbers so you can act fast.

Early notices for inquiries, new account openings, or major report changes let you pause, verify, and protect before issues snowball. Quick detection also speeds resolution—documenting activity, disputing errors on your report, and coordinating with lenders right away.

• Minutes matter: instant alerts limit harm to accounts and score.
• Fraud alerts add a verification step for lenders to block unauthorized credit.
• Dark web scans catch exposed information so you can change passwords and secure data.

Keep notifications enabled on mobile and email so you never miss critical updates. Paired with restoration support, quick alerts form a safety net from detection through resolution.

Real-time credit monitoring features that help stop fraud before it spreads

Three-bureau visibility plus tailored notifications lets you confirm events and stop fraud before it grows.

Three‑bureau monitoring watches Equifax, Experian, and TransUnion so you see changes on any report quickly.

VantageScore reports and ongoing score tracking

You get an annual 3-bureau credit report with VantageScore 3.0 and ongoing score checks to spot sudden drops.

Custom alerts for key file changes

Alerts notify you about new tradelines, hard inquiries, and major balance shifts so you can verify each account event fast.

Dark web and internet scans

WebScan searches for your Social Security Number, up to 5 passport numbers, up to 6 bank and 6 card numbers, emails, and medical IDs across thousands of risky sites.

Fraud prevention and recovery

Automatic fraud alerts add lender verification and renew annually. An Equifax credit report lock restricts new access, though certain exceptions apply.

“Fast detection plus U.S.-based restoration support reduces both exposure and hassle.”

• U.S.-based identity restoration and lost wallet help.
• Up to $1M identity theft insurance and separate stolen funds replacement up to $1M (policy limits apply).
• Proactive scans plus reactive support work together to cut risk to your accounts.

For more on how three-bureau coverage performs in practice, see three-bureau coverage.

Plans and pricing designed for your lifestyle

Choose a plan that matches how often you check reports and how much visibility you want.

Flexible tiers let you start with daily one‑bureau checks or move up to monthly three‑bureau reports and scores. Example pricing includes Equifax Complete Premier at $19.95/month with cancel‑anytime terms and no partial‑month refunds.

Tier highlights

Secure Basic offers daily one‑bureau monitoring for light oversight. Secure Max provides monthly three‑bureau reports, dark web scans, and score updates for deeper insight.

Family and add‑ons

Family plans extend Social Security number monitoring to dependents and can add per‑member insurance. Security add‑ons like VPN and antivirus protect browsing and devices for up to 10 devices.

Billing and guarantees

Simple monthly billing and clear cancellation rules keep costs predictable. Some annual plans started via free trial include money‑back windows (for example, Aura’s 60‑day option).

Tip: Match plan frequency to upcoming activity — monthly reports if you plan loans or major applications. Compare tiers side by side and choose the level of protection you need today, with the option to upgrade later.

For direct access to full report tools and to compare report options, visit credit report access.

How our monitoring, alerts, and restoration services work together

We pair fast bureau access with intelligent scans so you get clear, timely signals and practical steps to fix problems.

Direct bureau access and enhanced visibility

Direct relationships with major bureaus deliver faster data and a more complete report than single-source checks. That means alerts on inquiries, new accounts, and changes arrive sooner and show context across all three files.

AI scanning across dark web, apps, and address changes

AI-powered systems crawl dark web markets, forums, and public listings to find exposed information tied to your name and email. The same engines flag suspicious applications and cross-check address changes against NCOA and USPS records.

Financial activity detection and anomaly rules

Advanced algorithms watch bank and card activity for odd patterns, unfamiliar merchant types, or out-of-area transactions that could signal misuse of an account. Detecting patterns early helps stop fraud before it spawns new entries on your report.

From alert to action: guided restoration

When an alert appears, we guide you step-by-step: verify the event, freeze or lock accounts if needed, and notify lenders. If an item reaches your report, U.S.-based restoration experts can act under a limited power of attorney to handle calls and paperwork.

• Customize alerts and contact methods so notifications fit your life.
• Clear instructions tell you what records to save and how to document disputes.
• Ongoing surveillance watches for follow-on attempts and closes attack paths.

Connected detection, intelligent response, and hands-on recovery shorten resolution time and reduce stress. Learn more about integrated services on the official page for credit monitoring and privacy protection.

Trust, compliance, and real reviews from customers like you

We combine strict compliance with real customer feedback to show how our protection performs in everyday life.

Certified security and trusted partners. Our operations are PCI- and SOC 2-certified, and we maintain active partnerships with law enforcement to improve outcomes and safeguard your data.

U.S.-based support that puts people first

Customers praise our U.S.-based team for patient, knowledgeable help. Support guides you through alerts, disputes, and restoration with clear steps.

Verified reviews and measurable results

Verified feedback highlights better understanding of reports and steady score improvements after consistent use. Users point to faster resolution and calmer, more confident financial decisions.

Transparent scoring, locks, and coverage

• Scores: Three-bureau scores use VantageScore 3.0 from Equifax, Experian, and TransUnion; one-bureau scores come from Equifax. Lenders may use other models.
• Locks: Locks reduce new access but don’t block government agencies, existing creditors, underwriting, background checks, or prescreened offers—opt out at www.optoutprescreen.com.
• Insurance: Identity theft and stolen funds coverage are provided by American Bankers Insurance Company of Florida (Assurant) and vary by jurisdiction and policy terms.

**“Knowledgeable support helped me navigate disputes and recover faster.” **

Flexible plans let you adjust reports, alerts, and services as needs change. Clear disclosures make it easy to choose coverage that protects your name, number, and accounts.

Conclusion

Simple steps—set alerts, check reports, and use restoration help—make identity protection practical.

Fast alerts, ongoing monitoring, and U.S.-based restoration work together so you can act quickly when suspicious activity appears. That combination shortens response time and helps protect your accounts.

Three-bureau visibility plus annual 3-bureau reports and regular score checks give clear, consistent insight. Use those reports to verify changes and make confident financial choices.

Layered defenses—WebScan dark web searches, automatic fraud alerts, and an Equifax report lock—reduce the chance of unauthorized account openings. Add identity theft protection insurance and lost-wallet support for extra peace of mind.

Pick a plan that fits your life, activate monitoring, and keep notifications on. With simple billing and cancel-anytime terms, you can start today and respond to changes the smart way.

FAQ

What does always‑on monitoring and instant alerts do for my credit and identity?

Always‑on monitoring watches your three major bureau files, scores, and personal data so you learn about suspicious activity quickly. Fast alerts let you act sooner—like freezing accounts, disputing inquiries, or contacting banks—to reduce the chance of fraud spreading and limit financial and reputational harm.

Which credit bureaus are included and how often are reports updated?

We monitor Equifax, Experian, and TransUnion for key file changes. Depending on your plan, you receive ongoing updates and periodic full reports. Higher tiers provide near‑continuous access and more frequent score updates, while entry tiers include monthly reports and score refreshes.

How does the VantageScore 3.0 in the plan relate to my other scores?

VantageScore 3.0 is a commonly used model that gives a clear snapshot of your standing across bureaus. Lenders may use different models, so your VantageScore is a helpful indicator but not the only number banks consider. We provide context so you understand score drivers and differences between models.

What types of alerts will I receive and can I customize them?

Alerts cover new accounts, hard inquiries, significant score changes, address or name changes, public records, and suspicious use of your Social Security number, cards, or bank details. You can set preferences for delivery method and which events trigger notifications to reduce noise and focus on important risks.

How does dark web monitoring protect my Social Security number and payment cards?

Dark web scanning searches criminal forums and data markets for your SSN, email, bank account numbers, and card data. If we find exposed information, you get an alert with next steps—like changing passwords, contacting issuers, and enrolling in identity restoration—so you can contain risk quickly.

What is a credit report lock and how is it different from a freeze?

A credit report lock restricts access to your Equifax file via a mobile or online control for convenience and speed. A security freeze is a legal tool you place with each bureau that also blocks most new credit applications. Locks are reversible from your device; freezes require bureau procedures but offer comparable protection.

If my identity is stolen, what restoration help is available?

Our U.S.‑based identity specialists guide you through recovery, handle paperwork, and work with creditors and bureaus on your behalf. Services can include filing police reports, completing dispute letters, and lost wallet assistance. Certain plans also provide stolen funds replacement and identity theft insurance up to stated limits.

Are family members covered and can I monitor dependents’ Social Security numbers?

Yes. Family plans let you add spouses and dependents with separate monitoring for each Social Security number. Each member receives their own alerts and insurance coverage according to the plan terms, making it easier to protect minors and adult children living at home.

Do you offer privacy tools like VPN and antivirus as add‑ons?

Many plans include optional security add‑ons—such as a VPN for private browsing and antivirus software—to reduce exposure to phishing and malware that can lead to identity theft. Bundles simplify protection across devices and data channels.

How does billing work and can I cancel anytime?

We offer monthly and annual billing. Monthly plans let you cancel at any time, while some annual plans have money‑back eligibility windows. Details on refunds and cancellation are in the plan terms so you can choose the option that fits your budget and needs.

How do monitoring, alerts, and restoration services work together after an alert?

When an alert triggers, you receive guidance on immediate steps and access to restoration specialists if needed. Our team uses bureau access and AI‑powered scanning to investigate, help dispute fraudulent items, and coordinate with lenders until your identity and files are restored.

What security and compliance standards do you follow?

We follow recognized standards such as PCI and SOC 2 where applicable, and partner with law enforcement on complex cases. Our processes protect data with encryption, access controls, and strict privacy practices to keep your personal information secure.

How reliable is customer support and what are typical response options?

Support is U.S.‑based and offers phone and online help. Many customers report fast, knowledgeable assistance for setup, alerts, and restoration tasks. We also provide guides and clear disclosures about coverage limits, score models, and what each tool does and doesn’t block.

Will using a lock or protection service affect my ability to apply for credit?

Locks and freezes block most unsolicited inquiries and new accounts, which can prevent fraud but also delay legitimate applications. You can temporarily lift a lock or remove a freeze when applying for credit, and our team can guide you through the process to minimize delays.

What insurance and financial recovery options come with plans?

Select plans include identity theft insurance and reimbursement for stolen funds up to specified limits, such as coverage up to $1,000,000 for certain incidents. Coverage details, limits, and claim procedures vary by plan and are described in the policy documents.

How do you detect fraudulent applications, address changes, or unusual account activity?

We use direct bureau access, transaction and application monitoring, and machine‑learning scans of the dark web and public records to spot anomalies. When patterns indicate possible fraud—like sudden address changes or multiple applications—we alert you and recommend actions to secure accounts.

Are reviews and performance metrics available so I can compare plans?

Yes. We publish verified customer reviews and clear comparisons of plan features, including which bureaus are monitored, insurance limits, and response times. These resources help you pick the right tier based on your risk profile and desired protections.