Fight fraud with 24/7 credit monitoring and fast alerts
OmniWatch credit monitoring helps you stay one step ahead — so you can protect your finances and your peace of mind.
- Monthly reports track your credit score over time^
- Instant credit alerts detect suspicious changes in your file^||
- Three-bureau coverage for complete visibility||
- U.S.-based identity restoration experts on-call 24/7 for assistance
- Up to $2M in identity theft insurance to cover damages*
What is credit monitoring and why does it matter?
Credit monitoring is a service that continuously tracks your credit reports for changes and suspicious activity. Think of it as a security system for your financial identity. Just like an alarm protects your home, credit monitoring protects your financial future.
With millions falling victim to identity theft each year,1 early detection is crucial. The sooner you spot fraud, the faster you can act—and the less damage it causes to your credit score and financial well-being.
Why your credit report is so important
Your credit report is more than just a number—it’s your financial reputation.
Lenders, landlords, and even some employers use it to make important decisions about you. If a criminal gets hold of your personal information, your credit report is often their first target. They might open new credit cards, take out loans, or rack up debts in your name, wrecking your credit score and causing problems that can take years to fix.
That’s why protecting your credit is one of the smartest financial moves you can make.
Who needs credit monitoring?
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Families and parents protecting children’s credit
Children’s credit files are valuable targets for fraud. Learn more about family coverage on our solutions for families page.
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Seniors at higher risk of financial scams
Spot new accounts early and get help fast. Explore our solutions for seniors.
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Students building credit for the first time
Protect your financial foundation as you open your first cards and loans. Visit our student protection page.
How OmniWatch credit monitoring works: step-by-step
With OmniWatch, protecting your credit and identity is simple, proactive, and backed by real human support.
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Authenticate securely^
Start by securely verifying your Social Security Number. This enables OmniWatch to monitor your TransUnion credit report (all three bureaus included on Elite Plan).
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Get your credit report and monitor changes
Every month, you’ll receive a detailed credit report that highlights any changes to your score and offers a snapshot of your overall financial health.^
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Freeze your credit instantly
If you notice anything suspicious, freeze your credit with just one click from your OmniWatch dashboard, preventing new accounts from being opened.^
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Get expert help, anytime
Our U.S.-based identity theft resolution experts are available 24/7 to help you every step of the way—from filing paperwork to restoring your identity.
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File an insurance claim for peace of mind
If you experience financial loss due to identity theft, you’re covered. Every plan includes up to $2 million in identity theft insurance.*
Credit monitoring vs. credit freeze: What’s the difference?
Not sure which tool is right for you? Here’s a quick breakdown:
Credit Monitoring
- Ongoing tracking of your credit score
- Actionable alerts for suspicious activity and changes to your credit file
- Helps you respond quickly to potential threats
Credit Freeze
- Freezes your credit file so no new accounts can be opened
- Prevents identity thieves from obtaining credit under your name
- Requires you to unfreeze your credit file before applying for things like loans or credit cards
For the best protection, OmniWatch provides credit monitoring and facilitates credit freezes from within your account dashboard. That way, you cover all your bases and always know what’s happening with your credit.
Why OmniWatch is the smart choice
OmniWatch takes credit protection to the next level. Here’s how:
3-bureau coverage on Elite & Family Plans||
Many services only monitor one or two bureaus, but OmniWatch tracks all three—Experian, Equifax, and TransUnion. That’s important because creditors and scammers don’t always report to every bureau. By scanning all three, OmniWatch makes sure you have a 360-degree view of your credit activity. If an inquiry or a new account shows up anywhere, you’ll know about it.
Instant credit alerts||
If anything changes on your credit report—like a new inquiry, account, address, or even a bankruptcy filing—you’ll get a instant alert. Notifications arrive straight to your email and phone, so you’re always in the loop. See a change you don’t recognize? Our identity theft resolution team is ready to help you take action right away.
Integrated identity theft protection
OmniWatch is more than just credit monitoring. We also protect your personal data with dark web monitoring, scam protection, VPN encryption, and more. If your information shows up in a data breach, we notify you immediately—giving you a head start to protect your identity before criminals can use your data.
$2 million identity theft insurance*
If identity theft happens, OmniWatch has your back. Our identity theft insurance covers up to $2 million—more than most competitors.2 That means help with legal fees, stolen funds, lost wages, and more. We’re here to help you recover, no matter what.
24/7 U.S.-Based Support
When you need help, you talk to real people—U.S.-based identity theft resolution experts, available around the clock. Our team will walk you through every step, from calling your bank and reporting fraud, to filing the paperwork and restoring your credit. You’re never left to figure things out alone.
Transparent pricing as low as $7/month
With OmniWatch, you pay one straightforward monthly rate. No hidden fees, no sudden price hikes. What you see is what you get: credit monitoring, identity theft protection, and up to $2 million in insurance coverage, all included in our Basic Plan*
Frequently asked questions
Yes. You can pull reports manually, but that’s time-consuming and doesn’t provide timely warnings. Continuous credit monitoring with fast credit alerts, expert resolution support, and insurance gives you faster detection and a far stronger recovery process should fraud occur.
On OmniWatch Elite, alerts are delivered in real time after significant changes are posted at the bureaus. Processing times can vary by bureau and data source.‖
Monitoring alerts you to credit report changes. A credit freeze blocks new creditors from accessing your report, which helps prevent criminals from opening new accounts in your name. Many members use both tools for maximum security.
Yes—on OmniWatch Elite². We monitor Equifax, Experian, and TransUnion to provide a complete view of your credit activity.‖
No. We only use soft checks, so your credit score won’t be impacted.
- There were 1.1 million complaints of identity theft reported to the FTC in 2024.
- Both Aura and LifeLock have up to 1 or 1.05M in insurance - we have $2M for our basic plan
- Insurance disclosure: Identity theft insurance up to $2,000,000 aggregate limits on eligible plans; terms, conditions, and exclusions apply. See policy summary for details.