Credit Monitoring for Seniors

What Is Credit Monitoring and How Does It Work?

Credit monitoring services watch your credit reports at all three major bureaus (Equifax, Experian, TransUnion) and alert you whenever something changes — a new account, a new inquiry, a change of address, or a new derogatory mark. Without monitoring, identity thieves can open accounts in your name and run up debt for months or years before you notice.

Key Features to Look For

• Three-Bureau Monitoring: Must cover all three bureaus — Equifax, Experian, and TransUnion. One-bureau monitoring misses most fraud.
• Timely Alerts: Look for near real-time alerts (within minutes) rather than daily or weekly batches. Aura provides alerts up to 4x faster than competitors.
• Credit Score Access: Regular access to your credit score helps you spot sudden unexplained drops — a sign of potential fraud.
• Identity Theft Insurance: At minimum $1 million in coverage for losses and legal fees. Aura includes this on all plans.

The Power of a Credit Freeze

To freeze your credit, contact each bureau separately:

• Equifax: equifax.com/personal/credit-report-services or call 1-800-685-1111
• Experian: experian.com/freeze or call 1-888-397-3742
• TransUnion: transunion.com/credit-freeze or call 1-888-909-8872

You'll get a PIN to temporarily "thaw" the freeze if you need to apply for credit — a minor inconvenience that provides major protection.