AuraVisit Site

How Aura Works

Aura’s all-in-one solution comprises tools that protect your identity, finances, and devices, making it one of thebest identity theft protection services. Most tools work in the background, alerting you to threats via phone or inbox.

Most of these tools work in the background and don’t require you to do anything except keep an eye out for fast alerts to your phone or inbox (whenever Aura detects a threat) or check into your Aura dashboard whenever you just want some peace of mind.

In addition, Aura now also offers a password manager for all its digital security plans. The password manager lets you store all passwords and login information in one secure place, eliminating the headache of remembering dozens of different passwords. The password manager syncs your information across its browser plugin, web interface, and iOS and Android app, meaning you can safely access your passwords wherever you are.

Depending on which plan you choose, you may need to download a few tools, like antivirus software or VPN.

Aura Features

What does Aura monitor?

Aura monitors quite a lot across all plans and prices change based on the level of coverage. This includes various forms of credit monitoring, bank account monitoring, and ID theft monitoring – mostly in real-time with the added benefit of quarterly scores and annual reports for your credit files.

Here’s the full breakdown of what Aura looks out for:

• Credit monitoring.Monitors and alerts you to possible new inquiries or changes to your credit file across all three major credit bureaus (Experian, Equifax, TransUnion).
• Financial transactions monitoring.Allows you to link your bank and other financial accounts and set alerts to detect early signs of fraud.
• Bank account monitoring.Alerts you when new bank accounts are opened using your ID or when new account holders are added to your existing accounts.
• Online account and dark web monitoring.Monitors and alerts you if your accounts and login credentials were exposed as part of a data breach.
• SSN and ID authentication monitoring.Monitors and alerts you if your social security number is being used by someone else or if your identity is used in credit or non-credit transactions.
• Criminal and court record monitoring.Monitors and alerts you if your identity is found in the public court or criminal records, including traffic violations, misdemeanors, and felony offenses.
• Home title and address change monitoring.Monitors and alerts you to signs of home title fraud.

Recovery Services

Aura not only monitors for ID theft; it also provides recovery and protection services that kick into action whenever an issue arises.

Here’s the breakdown:

• $1 million identity theft insurance*.Aura covers you for up to $1 million in eligible losses and legal fees from identity theft. For plans with multiple members, each adult member is entitled to up to $1 million insurance coverage*.
• Lost wallet remediation.If your ID is stolen, Aura will help you cancel any debit or credit cards in your wallet and work with you on a recovery plan to secure your ID.
• Instant credit lock.Aura makes it easy to lock and unlock your Experian credit file to secure your credit from unwanted inquiries. (This doesn’t apply to the Equifax or TransUnion credit bureaus).
• 24/7 US-based support.The support team can be contacted via phone and email.
• White-glove fraud resolution.If you have become the victim of identity theft or financial fraud, Aura will provide a dedicated agent to help you resolve issues across credit bureaus and government institutions.

Ease of Use

Overall, Aura is fairly simple to use. You can access and control everything from your Aura dashboard at my.aura.com. Aura also has an iOS/Android app that includes all Aura tools except antivirus (although this is coming soon to the Android app). The Windows app offers device and network protection (antivirus and VPN).

Aura Customer Support

Aura offers 24/7 customer service support by phone and email. There is a comprehensive FAQ and an informative blog on its website as well. You can reach the Aura team at 1-833-552-2123 or email them at support@aura.com.

Aura Pricing

Aura offers three plans, each one containing the same features.

Plans can be purchased on a month-to-month or annual basis. If you select Aura, we recommend choosing a yearly plan due to the 17-25% discount compared to the monthly plan. Also, all annual plans come with a 60-day money-back guarantee.

Family Plans

Aura's Family plans allow you to add up to 5 family members, kids or adults, to the same plan. All adult members on your plan get their own account and share the same plan benefits as the Family Plan Subscriber who owns the main account.

Each adult member gets $1 million identity theft insurance, adding up to $5 million in identify theft insurance coverage, and Family Plan Subscribers can add children to monitor their Social Security Number and personal information to help protect them from identity theft and fraud. If you're looking for full family protection in one easy-to-manage dashboard, Aura's Family Plans are a good choice.

Aura Alternatives

How Aura Compares to Its Competitors

Here’s a quick comparison chart that sets Aura’s services against other Identity Theft services.

AuraVisit site

Bottom Line

Aura offers an all-in-one solution containing pretty much everything you need to protect your identity, financial accounts, and devices from external threats. Although seemingly on the expensive side, Aura's plans bundle together a wide range of tools that – if purchased separately – would cost significantly more than what they charge. Better yet, you can control almost everything from your Aura dashboard.

* Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

¹ The score you receive with Aura is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your TransUnion or Experian credit file. Lenders use many different credit scoring systems, and the score you receive with Aura is not the same score used by lenders to evaluate your credit.

LifeLockVisit site

Overview

LifeLock boasts a rating of 4.5 out of 5 stars from 110 reviews, indicating that a majority of customers are highly satisfied with their services. The platform excels in ease of use, brand satisfaction, and service quality, all rated at 4.5.

However, while still commendable, its value for money is slightly lower with a rating of 4, suggesting that while customers appreciate the service, there might be some concerns regarding its cost-effectiveness.

LifeLock at a Glance

• Keeps your identity safe from lurking threats
• Great for those who use online services such as online banking or shopping, or uses social media regularly
• Provide intensive security across platforms via a fast and easy to install software

How to Use LifeLock

LifeLock is a downloadable software that works quickly and efficiently from the moment you install it. After you sign up for a plan, you will be prompted to download and install the software (this is a click or 2, like any other app you’re used to installing).

Once installed, the proprietary technology scans databases to see if your personal information is being used. Depending on the plan you choose to sign up for, LifeLock also scans the Dark Web, monitors your accounts, and checks your credit report for any inconsistencies, issues, or possible problems. You will receive notification of any suspicious behavior via the contact method you've chosen. You can choose SMS, phone, or email alerts.

Then, LifeLock starts scanning your devices. Depending on which plan you get, you can install LifeLock on up to 5 devices, including laptops, home computers, and smartphones. Whatever device you have the software installed on will be protected. LifeLock scouts for personal information that you have around that leaves you vulnerable to identity theft. You’ll receive an alert from LifeLock if it finds anything questionable.

LifeLock device scans are continuous, meaning the software scans your devices all the time. Additionally, you’ll receive auto-updates of the software, so you are always protected against new and prevalent threats.

LifeLock Features

LifeLock offers 3 basic identity theft services (and we’ll dive deeper into each one below):

1. Monitoring your personal accounts
2. Sending notifications in case of suspicious activity
3. Helping you recover in case of a breach

In terms of monitoring your credit, LifeLock is pretty exhaustive. Depending on which plan you sign up for, it includes monitoring:

• Your credit report via all 3 of the major credit bureaus (Experian, Equifax, and TransUnion)
• Use of your Social Security number or other personal identifying data
• Applications for online loans (payday, etc.)
• Unauthorized USPS address change
• If your information ever shows up on the Dark Web
• If your name shows up on an arrest or sex offender registry

At the most basic level, LifeLock monitors your Social Security number for any unusual activity. LifeLock will notify you if your credit changes, if a credit check is run on your name, and if a loan or other financial obligation is made on your accounts. You’ll also receive monthly credit report checks, but only if you’re signed up for the Ultimate Plus plan. Alerts are sent out if any of these flags are set off (i.e., your information triggers any of these scans), again according to your plan.

LifeLock’s Norton Security Package

The Norton Security package includes:

• Ransomware
• Antivirus protection
• Phishing protection
• Antispyware
• Protection against online scams

This is a nice bonus since it’ll help keep your online activity safe as well.

LifeLock Recovery Services

Of course, the most important question is what does LifeLock do in the unfortunate event that your identity is stolen. There are several steps LifeLock will take including:

A dedicated restoration specialist

LifeLock assigns a US-based specialist that is familiar with legal and technical procedures to your case immediately to help you take decisive action. The specialist will handle your case from beginning to end to ensure that they see it through properly.

ID theft insurance

LifeLock has a Million Dollar Protection Package to cover all your expenses. This coverage varies based on the plan you get, but even the most basic coverage ensures you get up to $25,000 reimbursement for stolen funds and personal expenses. Additionally, all plans have up to $1M coverage for legal advice and other legal expenses incurred while trying to resolve your case.

Lost wallet replacement assistance

In the unfortunate event that you lose your wallet, LifeLock will help. It will get credit cards replaced and canceled, licenses renewed, and Social Security cards updated.

LifeLock Customer Support

LifeLock member services are available 24/7. You can get in touch with them via a toll-free live support number.

LifeLock also has a huge information center that is chock full of useful and detailed information about identity theft, online safety, and other things you really need to know. There are blog articles that teach you about credit, finances, fraud, data breaches, and internet security. It’s got everything, so you should definitely check it out.

How Much Does LifeLock Cost?

LifeLock has 3 plans to choose from for individuals. One thing we didn’t appreciate was the lack of a family plan option. You can add your kids to the plan for $5.99/month/kid though, so at least there’s that.

How LifeLock Compares to Other Identity Theft Check Providers

Don’t know where to start when comparing Identity Theft Check Providers? Top10’s brand comparisons can help you make the best choice for your personal data security needs.

LifeLock vs. Identity Guard

LifeLock andIdentity Guard are both industry standards when it comes to identity protection online and beyond. They come in at similar price points for monthly payments and insurance coverage. The difference comes down to the features provided by each brand.

Unlike Identity Guard, LifeLock is much easier to reach with issues through their 24/7 support channels through chat or call with no wait time. Even more so, Norton Security is guaranteed with every package you get on LifeLock. Identity Guard, on the other hand, usesIBM Watson® AI for deep data and identity monitoring.

LifeLock vs. Aura

Both Lifelock and Auramake waves in the identity guard sector, each with their own outstanding features. LifeLock and Aura mostly differ in regards to their prices, as starting prices are less expensive with LifeLock than Aura’s. But. Aura’s prices do not increase in the long term; the price you sign up for with Aura is the one you stay with until you decide to cancel.

LifeLock is one of the oldest brands on the market, with Norton Security integrated into the data scanning. With LifeLock, not all features may be available across all packages, prompting users to purchase the more expensive option for great protection. Aura, on the other hand, offers a full suite of ID theft.

LifeLockVisit site

Bottom Line

LifeLock brings a lot to the table, including a partnership with a solid brand in the security sector. The Ultimate Plus plan offers the most comprehensive coverage, and that includes things like 5-device coverage, $1M reimbursement insurance, and dark web scanning.

The other plans are good if you just want the basic protection, but honestly, when it comes to identity theft, is there really any price too high to ensure your protection? LifeLock has a good reputation and offers a solid product that’s easy to use and easy to recommend.

Identity GuardVisit site

How Identity Guard Works

Identity Guard’s protection software is a complex algorithm using the latest technology to keep your identity constantly monitored. In fact, Identity Guard monitors billions (you read that correctly) of data points to help keep your identity safe.

What Does Identity Guard Watch Out For?

Identity Guard monitors most of the usual personal identifiers including:

• Credit report monitoring based on data from Experian, Equifax, and TransUnion

• Dark Web surveillance

• Public records monitoring

• Payday loans

• Known address monitoring

• Credit and debit card account monitoring

• Social Security number monitoring

• Financial account takeover monitoring

• 401K & investment account monitoring

• Criminal and sex offense monitoring

• Home title monitoring

• USPS address change monitoring

In addition, Identity Guard protects some lesser-watched areas such as medical insurance cards. Another huge benefit to Identity Guard protection is the extensive device protection it offers.

Let’s not forget the family plan that allows you to help keep your kids’ identities safe and protected as well (did you know thatchildren are 30%-50% more likely to have their identities stolen than adults?).

What Can Identity Guard Do If My Identity Is Stolen?

Identity Guard is an incredibly useful tool in the event that your identity is stolen. They offer tons of recovery assistance including:

• ID theft insurance of up to $1 million**

• A special hotline to use in the event of an incident

• A dedicated case officer to help you navigate the waters of regaining control of your life & restoring your credit

• Coverage for eligible lost wages, travel expenses, legal fees, & more

How Easy Is Identity Guard to Use?

Because it is such advanced technology, Identity Guard is effortless to use. Once you set it in motion, you’re free to go about your life regularly. The software will scan your accounts constantly and notify you at once if anything unusual is detected. With 24/7 monitoring, you can rest assured that you will be notified the moment something is detected.

Identity Guard Customer Support

While there is no 24/7 customer service, Identity Guard actually has longer hours than most other providers with limited support. You can reach a support staff member via telephone from 8am to 11pm ET Monday thru Friday and 9am to 6pm on Saturdays.

You can also send an email tocustomercare@identityguard.comand get a response in 24-48 hours. One thing that is missing from the support team is a live chat, though this is standard for this industry. You’ll have to deal directly on the phone with a service rep if you want assistance. However, Identity Guard does have a tremendous amount of online resources you can take advantage of. From online credit education to fraud protection articles, online tools, and credit specialists, there’s almost nothing you can’t find out by combing through these articles and tools.

Identity Guard Pricing

Identity Guard offers 3 plans for individuals and another three for families, certainly making it the most comprehensive identity theft protection option available. New customers enjoy up to 33% off. Here’s a breakdown of what you can get for your subscription:

All plans include the basic services like Social Security number monitoring, black market monitoring, and ID verification alerts. Plus, all plans provide you with account takeover alerts, lost wallet protection, password protection, and up to $1 million in identity theft reimbursements.

Identity GuardVisit site

Bottom Line

Identity Guard offers a lot of protection for a nominal fee. Aside from the standard services, Identity Guard Ultra provides an annual credit report and monthly credit scores. This is a unique feature that most other identity theft protection providers don’t offer.

Identity Guard doesn’t send fraud alerts to the credit reporting bureaus, but this is something that you can do easily and for free, so it is definitely worth the tradeoff to get frequent credit score information instead.

With several plans to choose from, there is definite value for money, especially with the Total plan. For just $19.99 per month, you can get credit report monitoring, quarterly updates, and dark web monitoring. Protect yourself today.

*The score you receive with Identity Guard is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your TransUnion credit file. Lenders use many different credit scoring systems, and the score you receive with Identity Guard is not the same score used by lenders to evaluate your credit.
** Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available in all jurisdictions.
***Your card will be charged either a monthly or annual fee, depending on the membership plan you choose. You may cancel your membership anytime simply by contacting us.

Zander Identity TheftVisit site

Overview

Zander Insurance offers a subscription identity theft protection plan available for individuals and families. Although there’s no app, it does boast a recommendation from Dave Ramsey. Zander’s plans offer low-cost coverage over several sources, including credit reports, personal information databases, and a Child Information Scan which notifies for information about minors in users’ households.

How Zander Works

Zander’s main offering is a cloud-based member area which is where it displays all notifications and client management options. The company also recently launched mobile apps for both Android and iOS, providing customers with information to their critical account information on the go.

Zander Insurance operates a network of smart detection systems which are linked into various databases and are trained to constantly probe for information on behalf of the company’s customers. As such, there is no software for clients to download and all the ‘heavy lifting’ of monitoring and detecting is done on the company’s end. If notifications regarding detected fraudulent activity are received, customers can liaise with their account manager to resolve the issue and lock down their personal information.

What Does Zander Watch Out For?

Zander monitors information from a variety of sources in order to keep tabs on where its customers’ personal information might be winding up. Some of the specific pieces of information that the company proactively monitors for include:

Personal information (also called ‘PII’)

Also known as personally identifiable information (PII), this category includes any information which a hacker could use to gain access to your online accounts and which is unique to you. When combined, these become particularly dangerous. Examples include your cellphone number, email address, and social security number. Zander searches for these on both the regular internet and the “dark web” — a network of websites often containing illicit information which can only be accessed via a special browser and network called TOR. In addition to monitoring for common PII entities, Zander also searches for bank account numbers, medical insurance numbers, and driverslicenses.

Synthetic identities

Synthetic identities are created when scammers combine pieces of PII from various real-life people to create a new, completely fictive identity. These can be harder to detect than simple identity takeover attempts as monitoring programs designed to only focus on clusters of PII will often miss these. Zander will alert users in the event that an alias is being created based on one of their forms of identity.

Credit monitoring

Zander provides its users with access to free credit reports via its Annual Credit Report. Its monitoring in this department is not comprehensive, however, and the company openly states that it is does not believe that multi-bureau credit monitoring is useful for most individuals.

Zander also provides monitoring designed to thwart:

• Social security fraud

• Benefits and employment fraud

• Home title and deed fraud

What Can Zander Do If My Identity Is Stolen?

Zander provides comprehensive identity theft recovery services. Its ID Theft Solutions department is dedicated solely to working with customers whose identities have already been breached. The team is comprised of Certified Recovery Specialists (CRS) who provide a fully customized service to help customers prevent further damage and secondary breaches.

The team will work to:

• Alert all financial institutions, including bank accounts, credit cards, and others that customers’ details have been stolen.

• Repay customers up to $1 million for stolen funds and expenses not covered by institutions’ theft insurance policies. Expenses which can be recouped under the guarantee include legal costs as well as out-of-pocket costs.

Unlike many identity theft protection providers, Zander’s US-based team is available to assist its clients 24/7, 365 days a year. This of course means that customers will never be without a team to call upon in the event that they suffer catastrophic identity theft.

How Easy Is It to Use

Signing up for identity theft coverage with Zander is quick and simple. Enrollment is handled directly online — users needn’t even speak to a representative in order to get their monitoring activated. Zander does not levy any minimum in terms of the personal information that customers provide — although obviously the more they do give the more comprehensive the monitoring will be. There are limits to how many particulars can be monitored, however. For email addresses, for example, customers can tie up to five with any one account.

The team is reachable 24/7 and customers can access their monitoring dashboard either through the online members-only login or via one of the smartphone apps.

Zander Customer Support

Zanders offers 24/7/365 support via its team of US-based specialists. In the event that a member suffers identity theft, they receive a dedicated case worker that has passed an internal certification attesting to their ability to help clients prevent further identity theft. These highly trained Certified Recovery Specialists (CRSs) can be reached by both phone and email to assist with resolving the breach and preventing it from recurring.

Pricing & Special Offers

Zander offers both plans for individuals and family members. The family plan, which covers an unlimited number of 1st-degree relatives, can also be adapted for the needs of employers and organizations such as professional associations which might wish to roll out identity theft protection for all their members.

The plans cost:

Individual Plan

$6.75 per month or $75 per year.

Family Plan

$12.90 per month of $145 per year.

All plans are eligible for the rebate guarantee as well as credit bureau monitoring reports. Zanders is a very cost-effective identity theft monitoring service for both individual users and families.

Zander Identity TheftVisit site

Bottom Line

Zanders is a great choice for individual and family users that want comprehensive identity theft protection that straddles both the professional and personal domains. The company has deep expertise in the insurance sector and can be reached around the clock.

OmniWatchVisit Site

What is OmniWatch?

OmniWatch is an identity theft monitoring service launched in 2023. The platform monitors the dark web and credit bureaus to alert you when your personal data has been leaked or your identity has been stolen. To help restore your identity, OmniWatch offers 24/7 access to identity restoration specialists and up to $2 million in identity theft insurance.

This is an excellent service for anyone who wants identity theft protection at an affordable price. OmniWatch is very easy to set up, and there’s almost nothing you need to do once it’s running. The availability of 24/7 support means that if your data is leaked, you can get expert help to address the problem right away.

OmniWatch Features

Here are the key identity theft protection features that OmniWatch offers.

Credit monitoring

OmniWatch monitors your credit activity at the three major credit reporting bureaus—TransUnion, Experian, and Equifax. If there are changes to your credit score, you’ll receive an alert. OmniWatch can help you lock your credit at each agency to prevent anyone from opening new financial accounts in your name.

You also get access to your credit reports from each agency. TransUnion reports are available monthly, while Experian and Equifax reports are available every 90 days.

Dark web monitoring

This service monitors the dark web for leaked personal information such as your name, email, address, and Social Security number. OmniWatch will alert you if your information is detected in a new place on the dark web.

Identity theft and ransomware insurance

Your OmniWatch subscription includes up to $2 million in identity theft insurance. This is noteworthy because most of OmniWatch’s competitors offer only up to $1 million in insurance coverage.

This insurance covers you for legal expenses, lost wages, or stolen funds related to identity theft. There is no deductible if you need to use the insurance policy.

With OmniWatch’s Premium plan, you also get up to $25,000 in ransomware insurance. This can help you cover the cost of paying a ransom.

Identity risk score

OmniWatch calculates your identity risk score on a scale from 1-10 based on how much of your personal information is available on the dark web. It also offers tips for how you can reduce your risk of identity theft—for example, by changing the password associated with a breached account.

Identity restoration support

With OmniWatch, you have 24/7 access to US-based identity restoration specialists. These agents can help you freeze your credit reports, credit cards, and bank accounts. They can also walk you through the steps needed to restore access to your accounts and help you access insurance funds through OmniWatch.

Is OmniWatch Safe and Reliable?

OmniWatch uses 256-bit Secure Sockets Layer (SSL) encryption to protect the information you submit when creating an account. However, OmniWatch does not offer multi-factor or biometric authentication at this time. The only thing needed to get into your account is your password, which feels less than completely airtight.

OmniWatch has a detailed privacy policy that explains that OmniWatch won’t share your financial data with any third parties. However, the service will share some basic information like your name and email with third-party advertisers. This is common practice among identity theft protection services, although I’d prefer OmniWatch not to share any information at all.

OmniWatch is accredited with the Better Business Bureau and has an A- rating.

Recovery services - What can OmniWatch do if my identity is stolen?

Here are some of the ways OmniWatch can help if your identity is stolen:

• 24/7 support from US-based identity restoration specialists
• Freeze your credit at all three major credit bureaus
• Up to $2 million in identity theft insurance with no deductible
• Up to $25,000 in ransomware insurance with no deductible

Education and prevention

OmniWatch has a blog that covers basic things you can do to protect your identity. It also offers guides on what to do if your identity is stolen.

How OmniWatch Works

OmniWatch is a monitoring service that operates without requiring any work on your part. Once you set up your account, OmniWatch will automatically alert you to personal data leaks or sudden credit changes.

How to Get Started with OmniWatch

You can get started with OmniWatch by signing up with your email address and choosing a subscription plan. You’ll need to verify your identity with TransUnion, which involves submitting your social security number and contact information. This identity check won’t impact your credit score.

Once your identity has been verified, OmniWatch will scan the dark web for your personal data and calculate your identity risk score. It will also automatically begin monitoring your credit reports.

I found the setup process to be very fast and easy. OmniWatch was up and running within five minutes. After addressing a few tips to lower my identity risk score, I didn’t need to do anything more.

OmniWatch Customer Service

OmniWatch offers customer service by phone from 7am-4pm (PT) Monday-Friday. You can also get in touch by email using a form on the company’s website. I called and was connected to an agent in less than a minute.

If your identity is stolen, you can contact an identity restoration specialist 24/7 by phone.

How to Cancel or Pause an OmniWatch Subscription

You can cancel your OmniWatch subscription at any time using the cancellation button in your account settings. You don’t need to contact support to cancel your plan.

Is There an OmniWatch App?

OmniWatch doesn’t have a mobile app at this time.

OmniWatch Pricing

OmniWatch offers two plans: Basic and Premium. Both include TransUnion credit monitoring, dark web monitoring, up to $2 million in identity theft insurance, and 24/7 identity restoration support. The Premium plan adds monitoring and credit reports for Experian and Equifax along with up to $25,000 in ransomware insurance.

Both plans cover only a single individual. OmniWatch doesn’t offer plans for couples or families.

I like the Basic plan because it includes OmniWatch’s best features at an affordable price. While there’s a small chance you could miss a credit change at Experian or Equifax, TransUnion monitoring is sufficient to spot most threats to your identity.

The Premium plan is worthwhile if you’re worried about ransomware and want up to $25,000 in coverage to help you pay a ransom.

OmniWatch’s prices are in line with the industry average. You can expect to pay around $7-$20 per month for most capable identity monitoring services.

What Can You Do With OmniWatch for Free?

OmniWatch doesn’t offer any identity monitoring services for free, and no free trial is available.

OmniWatch Alternatives

Bottom Line

OmniWatch monitors your credit reports at the three major credit bureaus and watches out for your personal data on the dark web. It does an excellent job at spotting threats and offers 24/7 expert support to help you get your identity back. OmniWatch also provides up to $2 million in identity theft insurance to help you recover from an incident.

Overall, I think OmniWatch is a great identity theft monitoring service at a reasonable price. It would be nice to see the platform add additional security tools and a mobile app. But even without those features, I recommend using OmniWatch to protect your identity.

At a Glance

How Mozo works

Mozo combines a mobile app and browser extensions to provide scam protection. Once installed, it runs in the background and checks links, emails, and messages using AI. Suspicious content is blocked before it reaches the user.

Dark‑web monitoring scans for leaked details like email addresses or card numbers. A built‑in zero‑logs VPN encrypts traffic on public Wi‑Fi, while antivirus tools watch for malware on devices.

If something slips through, Mozo alerts the user with clear notifications and suggested next steps. Setup is quick and requires little technical knowledge.

What Does Mozo Watch Out For?

• SMS phishing protection:analyzes incoming texts for scam indicators and blocks risky links.

• Email protection:scans new messages for phishing patterns, spoofed domains and unsafe attachments.

• Web protection:intercepts malicious URLs, redirects and fake login pages in real time.

• Dark‑web monitoring:checks for leaked credentials and personal data via a dedicated third‑party provider.

• Antivirus & EDR:device‑level protection against malware and suspicious behavior.

• VPN & DNS protection:encrypted browsing with a zero‑logs VPN provider; DNS filtering to block known threat domains.

Recovery services

If identity theft occurs, Mozo provides two main forms of help. First, it includes up to $1 million in insurance to cover eligible financial losses.

Second, users can work with a Help & Recovery Assistant by phone, chat, or email. This specialist guides users through account security steps, paperwork, and other actions needed to restore control.

Together, these tools make sure victims are not left alone to manage recovery.

Ease of use

Mozo is quick to set up. Users create an account, install the mobile app on iOS or Android, and add the Chrome or Edge browser extension.

Most protections run automatically in the background. The dashboard is simple, showing alerts and suggested actions in plain language. Families can also add parental controls and apply safety rules across devices.

Performance impact is minimal, and onboarding tips explain why certain permissions are needed. The service is built to work without technical know-how.

Mozo customer support

Availability:Monday–Friday, 09:00 am–5:00 pm ET.
Channels:Phone +1 (989) 300‑0998, live chat (web helpdesk), and email helpcenter@getmozo.com

Phone and chat are staffed during stated business hours; email tickets can be submitted anytime and are handled on the next business day. If urgent assistance is needed outside hours, users should secure accounts (password changes, MFA) and submit a ticket for priority follow‑up at opening.

Pricing

Plans & introductory pricing

• Premium:$3.43/mo(then$4.90/mo) — includes SMS, web and email protection; antivirus; dark‑web monitoring; VPN.

• Elite (Most Popular):$4.13/mo(then$5.90/mo) — includes Premium features; marketed with the same core protections plus the highest value package and 30% introductory savings.
  
  

At signup:Free trial available. Discounts apply to the first term and renew at the then‑current price. Taxes may apply.

Bottom Line

Mozo focuses on prevention, blocking scams in SMS, email, and web before they cause harm. It adds dark-web monitoring, a zero-logs VPN, antivirus tools, and up to $1 million insurance for eligible identity theft losses.

The plans are affordable and simple to understand. While it does not include three-bureau credit monitoring and support is limited to weekday hours, Mozo still offers a strong, easy-to-use layer of protection for individuals and families.

AI was used in the creation of this content, along with human validation and proofreading.