The Best Identity Theft Protection With Credit Reporting 2025
Looking for comprehensive identity theft protection that includes credit monitoring? The top solutions provide both and more. Here’s a detailed review of the best services with credit reporting for 2025.
Best Overall: Aura
- Starting Price: $9.00/mo (billed annually)
- Key Features: Three-bureau credit monitoring, monthly credit scores, annual credit reports, child credit freeze, and up to $1 million in ID theft insurance for up to five adults.
- Notable Benefits: Comprehensive family protection, robust parental controls, and gaming alerts.
Best for Identity Theft Insurance: LifeLock
- Starting Price: $7.49/mo for the first year (billed annually)
- Key Features: Up to $3 million in identity theft insurance, multiple monitoring features including dark web, home title, and social media monitoring.
- Notable Benefits: High coverage limit, comprehensive monitoring features, and credit lock for TransUnion.
Best Budget Pick: Identity Guard
- Starting Price: $8.99/mo
- Key Features: Three-bureau credit monitoring, monthly credit scores, annual credit reports, and $1 million in identity theft insurance.
- Notable Benefits: Affordable plans, comprehensive credit features, and family plans cover unlimited children.
How We Tested
We evaluated various identity theft protection services based on their credit features, ease of use, additional features, and pricing. All services offered foundational features like credit monitoring, credit scores, and credit reports. We also considered extra features such as parental controls and password managers.
Comparison of Top Services
Key Considerations
When choosing an identity theft protection service with credit reporting, consider the following:
- Credit Monitoring: Ensure the service monitors all three credit bureaus.
- Identity Theft Insurance: Look for services offering robust insurance coverage.
- Additional Features: Consider services with extra features like password managers and parental controls.
- Pricing: Compare pricing plans and consider the value for the features offered.
FAQs
What is the most accurate credit score service?
The most accurate credit score is one that is pulled recently. Monitoring your credit report ensures the information is correct.
What is the best credit reporting agency?
Each credit bureau works independently. Your FICO score is more widely used than VantageScore for getting new credit.
What is the typical cost of credit monitoring?
Credit monitoring costs vary. There are free and paid solutions, with prices ranging over $30/month.
Do I need to monitor all three credit reports?
Yes, monitoring all three gives the most accurate depiction of your credit as companies may report to different bureaus.
Bottom Line
Aura is the best overall for its comprehensive features and family protection. LifeLock offers the most robust identity theft insurance. Identity Guard is the best budget pick with affordable plans and comprehensive credit features.
