Aura Identity Theft Protection Review

By
&
Aliza Vigderman
Gabe TurnerChief Editor
Last Updated on Aug 4, 2021
By Aliza Vigderman & Gabe Turner on Aug 4, 2021
Aura Logo

You wouldn’t drive a car without taking some precautions, like buckling your seat belt or purchasing insurance. It’s also wise to take precautions with another common service: the internet.

In our online activity, we reveal some of our most sensitive information: Social Security numbers, birthdates, credit and debit card numbers — the list goes on. If that information falls into the wrong hands, it’s often expensive, not to mention stressful. Let’s take a look at an ID theft protection service called Aura, whose mission is to keep us safe from these threats.

Editor's Rating
Overall Rating
8.7
  • Criminal and court records monitoring
  • Monthly credit scores
  • $1 million identity theft insurance reimbursement maximum

Aura Identity Theft Protection Features

Considering 2020 saw a nearly 50 percent increase in identity theft cases from the year before, there’s no better time than now to purchase protection.1 Aura founder and CEO Hari Ravichandran experienced it himself. After someone stole his credit information in 2014, Ravichandran founded Aura in order to provide a comprehensive, affordable, and easy-to-use digital security product.2

In its quest to offer a comprehensive digital security package, Aura protects customers in three key areas: identity theft, credit and fraud, and device and network security. But what does Aura actually do for us? Let’s break it down.

Identity Theft Protection

Aura identity theft protection keeps our sensitive information secure.

  • Personal information and ID monitoring: We don’t want our personal info and ID numbers floating around the internet. Aura notified us if this information fell into the wrong hands.
  • Social Security and ID authentication monitoring: Aura monitored the internet to see if anyone used our Social Security numbers or conducted a transaction with our identities (e.g., opening a new bank account).
  • Online account monitoring: Aura ensured we were the first to know of any breaches to our online accounts or passwords. (Psst — here are some tips for creating a strong password.)
  • $1 million insurance coverage: In 2020, people reported losing a total of $3.3 billion to fraud, with a median loss of $311. Aura’s insurance covers up to $1 million in losses from identity theft, the industry-standard maximum. Aura’s policy goes beyond legal fees to cover wage losses, CPA costs, child care, and more.
  • Home title and address monitoring: Aura ensured no one stole our identities by forwarding our mail. We’re not homeowners, but if someone tries to transfer your home title into their name, you’re covered.
  • Criminal and court records monitoring: Individuals charged with crimes can use our names to impersonate us. Yikes! The good news is that Aura would notify us if our information turned up in criminal or court records.

Credit and Fraud Protection

The credit and fraud protection service lets us sleep easy, knowing our finances are secure.

  • Credit monitoring: Aura alerted us to new inquiries on our credit file (like new credit cards or bank loans) across the three major bureaus — Experian, Equifax, and TransUnion. Aura claims to do this four times faster than its competition.
  • Monthly credit score: We received our credit score every month and could view its trends over time. That’s pretty standard. (If credit is your priority, check out our best credit protection services review. It’s possible to receive updates weekly, or even daily.)
  • Credit lock: With Aura, we locked and unlocked our Experian credit file when we needed, which protected us from identity theft and credit fraud.
  • Financial fraud monitoring: We linked our financial accounts (including credit cards, bank accounts, and investment accounts) and set alerts for unusual spending activity.
  • Bank account monitoring: Sometimes more is merrier, but not when it comes to names on our bank accounts. Aura alerted us if someone attempted to add more account holders or remove our names from existing bank accounts.
  • Annual credit report: We were able to view our credit reports from all major credit bureaus.

Device and Network Protection

Aura shields our phones and laptops from viruses and other security threats.

  • Antivirus: Did you know that there are over 677 million known malware programs, and over 350,000 are discovered each day?3 Scary stuff. Thankfully, Aura’s antivirus protection scanned, detected, and isolated threats for removal.
  • VPN: Aura’s VPN protected our internet connection with military-grade encryption to hide our activity from cybercriminals. We felt reassured when we used public Wi-Fi networks, in particular.

Aura Data Sources

When Aura says it’s “monitoring” the web for unusual activity related to identity, where is it actually looking?

  • New account records, like a new credit card or utility account. Identity thieves often use stolen personal information to open new accounts for financial gain.
  • Sites on the dark web. If your information is part of a data breach, it may appear on the dark web. That doesn’t sound good! Fortunately, Aura monitored dark web sites, forums, and chatrooms for our info.
  • Public records, such as criminal and court records, home title deeds, and licensing records.
  • Data broker lists (coming soon). Data brokers have profiles of millions of people that they sell to advertisers, telemarketers, people search sites, and more. You can blame them for those annoying robocalls and spam! Aura promises that it will soon monitor these lists as well.

Aura’s features offer comprehensive, in-depth identity theft protection. The device and network protection offerings are a particularly nice bonus.

But what’s it actually like to use the product? We tested it out to see.

The Aura Experience

Aura offers a clean desktop dashboard where we managed our alerts, credit score updates, transactions, identity monitoring watchlist, antivirus protection, and VPN.

Aura Experience
The Aura Dashboard

We customized our watchlist to track a bunch of different personal information:

  • Credit and debit cards
  • Birthdate
  • Driver’s license number
  • Email addresses
  • Financial account numbers
  • Health insurance IDs
  • Address
  • Passport numbers
  • Phone numbers
  • Social Security number
  • State ID number
  • Loyalty cards

Unfortunately, several of Aura’s features are not yet available on macOS or Chrome, including antivirus protection and the VPN, which Aura calls Wi-Fi Security. This shouldn’t pose a problem for Windows users, but Mac users will want to take note and check out the best antivirus for Macs as well as the best Mac VPNs.

Aura Device Availability
Aura Device Availability

That said, Aura makes some of these features available in its mobile app …

Using the Aura App

Downloading and logging in to the app was straightforward, with no cumbersome tutorials or instructions. Once we logged on, we set up Touch ID for quick and secure access. In our settings, we customized how much time can elapse before we need to reauthenticate.

Aura App
Aura App

It was super easy to connect our financial accounts. To start, we selected our bank and entered our credentials directly in the app. Aura uses Plaid to connect our accounts. Other major financial apps, like Venmo and Robinhood, also use Plaid.

Aura App Connecting Bank Account Step 1
Aura App – Connect Bank Account Step 1
Aura App Connect Bank Account Step 2
Aura App – Connect Bank Account Step 2

From there, we set alert thresholds for our different account types (bank accounts, credit cards, loans, investments, and others) so that Aura would alert us to any activity outside the norm. Aura’s transaction-monitoring feature let us know of any large purchases, withdrawals, or balance transfers.

Aura App - Alert Thresholds
Aura App – Alert Thresholds

TIP: Customize your alert thresholds for different accounts so that Aura notifies you only when necessary.

Next, it was time to secure our Wi-Fi network. This took just a few seconds! With a single tap, we secured our connection (and turned off the feature when we wanted).

Aura WiFi Security
Aura WiFi Security

Aura’s Wi-Fi Security uses a virtual private network (VPN), allowing us to browse privately without worrying about hackers. This was useful when we connected to public networks, like a coffee shop’s Wi-Fi. Unfortunately, like antivirus protection, this feature is not yet available for Mac desktop or Chrome users, who might be interested in the best VPNs for Chrome.

Overall, the Aura app was well designed and simple to use on our iPhones. Other Apple customers likely agree, as the app has a 3.9-star rating. Android users may feel differently, as the Google Play rating was only two stars.

Aura Privacy

Like any identity theft protection service, Aura collects some data about us — our account information, billing and payment info, identity verification information, and communications with the company.

It also collects information about how we use its services. While Aura won’t collect our precise GPS location without telling us, it may get an approximate location in order to provide certain services, like connecting us to the closest VPN server.

Since Aura is based in the United States, which is part of the Five Eyes, Nine Eyes, and 14 Eyes alliances, Aura may be obligated by law to pass information to the U.S. government in rare circumstances.

Aura secured our data with 256-bit AES (Advanced Encryption Standard). Major banks and the military use the same level of encryption, as it’s the highest standard available today.

Aura Customer Support and Insurance

Aura offers all customers 24/7 support by phone and email. The company encouraged us to call its support team with any questions, or if it detected identity theft or fraud. Aura’s agents have an average of over seven years of experience, so we felt like we were in good hands.

With the Ultimate plan, we also received one-on-one support with white-glove remediation. In the event of identity theft, an Aura case manager will work with us to craft a recovery plan and help us navigate credit bureaus and federal institutions.

Finally, Aura’s identity theft insurance offers up to $1 million in coverage of not only legal fees but also a number of other losses. These include lost wages, private investigator fees, accountant fees, and even child care you need while dealing with identity theft.

Aura Subscription Options

Aura offers three plans: Basic, Total, and Ultimate. We opted for maximum coverage with the Ultimate plan and saved a few dollars with an annual subscription, but see below what each plan offers, or read our Aura pricing page to get even more details.

Features Basic plan Total plan Ultimate plan
Monthly cost with the annual plan $10 $20 $30
Monthly cost with the monthly plan $12 $26 $40
Personal information and ID monitoring Yes Yes Yes
Alerts if someone else uses your SSN or identity Yes Yes Yes
Online account and password monitoring Yes Yes Yes
$1M insurance coverage Yes Yes Yes
Home title and USPS address change monitoring No No Yes
Alerts on crimes committed in your name No No Yes
Credit monitoring (Experian, Equifax, TransUnion) No Yes Yes
Monthly credit score No Yes Yes
Credit lock No Yes Yes
Alerts on unusual spending activity No Yes Yes
Monitoring for changes to names on your bank account No Yes Yes
Annual credit report No No Yes
Antivirus number of devices 1 device 5 devices 10 devices
VPN number of devices 1 device 5 devices 10 devices
24/7 customer support via phone and email Yes Yes Yes
One-on-one white-glove fraud resolution No No Yes

While Aura doesn’t offer family plans currently, it promises the service in upcoming months. (If you’re looking for a plan that covers the whole family, Identity Guard family coverage offers a number of options.)

Aura refunds annual membership plans within 60 days of purchase. (However, if you have the same millennial phone anxiety we do, take note that Aura only processes refunds over the phone!)

GOOD TO KNOW: Aura refunds annual membership plans within 60 days of purchase, so you can test the waters before diving in.

Bottom Line

If you’re interested in Aura, here are the key points to consider.

Consider Aura if you …
  • Are looking for comprehensive identity theft protection that monitors a number of data sources and transactions.
  • Want identity theft insurance that covers you for up to $1 million.
  • Value antivirus and a VPN, at home and on the go.
  • Enjoy using a sleek mobile app.
Reconsider Aura if you …
  • Are a Mac desktop or Chrome user, as several key features are not yet available on these platforms, like VPNs and antivirus software.
  • Would like to add family members to your plan, as only individual plans are available.

With Aura, we feel like all of our bases are covered. Still in the market for a service to protect your identity in real time? Look no further than our list of the best identity theft protection providers.

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