Identity Theft Monitoring & Insurance
Identity Theft Protection + $5 Million in Insurance**
My Identity First Protection Plans* alert you if your credit card, SSN, or other personal information is at risk. Get Expert Fraud Remediation to help answer questions and recover your identity.
Protect Your Self
Protect Your Family
Protection for Couples
Protecting Your Identity Needs Constant Vigilance
Identity theft protection services excel in two key areas: continuous monitoring and fast alerts. However, if you’ve never experienced fraud and are capable of keeping track of your own credit, preventive measures might involve the following approach:
Check Credit Reports
Check your credit reports for signs of fraud — new credit inquiries, unfamiliar transactions or accounts.
Review Credit Card & Bank Statements
Review your credit card and bank statements for fraudulent transactions.
Freeze Credit
If it makes sense, place a credit freeze so no one can open a new line of credit in your name.
Secure Your Mail
Secure your mail, including pre-approved credit offers, tax forms, and W-2s.
Check Public Records - Title & Criminal Records
Check public records to see if anyone has tampered with your home title or committed crimes in your name.
Scan Dark Web
Scan the Dark Web to make sure account passwords or sensitive information haven’t been leaked.
Use 2FA & MFA
Use MFA or 2FA on your most sensitive accounts, including email and social media accounts.
My Identity First Plans* Make Identity Theft Protection Easier
While the steps above can keep bad actors and hackers at bay, it’s nearly impossible to monitor all of your personal data and protect against all forms of identity theft. With an Alliance Protection Plan* receive timely fraud alerts so you can take action:
3-Bureau Credit Monitoring
Receive a monthly credit score (VantageScore) update and see trends over time. Also view your credit report from all major credit bureaus — Experian, Equifax, and TransUnion.
Financial Account Monitoring
Link your bank accounts, credit cards, and investment accounts to receive alerts for unusual spending activity.
Account Breach Monitoring
An Alliance Protection Plan* can monitor over 70 items — driver’s license number, passport, email addresses — for data breach exposure.
Identity Verification Monitoring
An Alliance Protection Plan* alerts you if your identity is used for high-risk transactions, such as opening payday loans.
Address and Public Records Monitoring
Besides change-of-address alerts, Aura also notifies you if your information appears on public records like sex offender registries.
Antivirus and VPN
Scan every new file for malware on up to 10 devices per adult. Also connect to a virtual U.S. location with our VPN to stay safe on public Wi-Fi.
Spam Call and Message Protection
An Alliance Protection Plan* uses privacy-focused tools including junk mail and spam call removal requests, as well as scam and phishing protection.
Password Manager
Save your passwords as you go; access them using an Alliance Protection Plan* browser extension. Also available on Android and iOS mobile devices.
My Identity First Protection Plan* Recovery Plan Checklist After Identity Theft
If you’ve been a victim of identity theft, our Expert Fraud Remediation team will work with you to create a custom recovery plan. An Alliance Protection Plan* can even facilitate three-way calls with your bank or credit bureaus to resolve your fraud incident.
Report identity theft
Lock your credit profiles
Flag fraudulent transactions
Identity restoration and recovery
Insurance for eligible losses
Ongoing continuous monitoring
Receive alerts for any changes to your credit file, suspicious use of your sensitive information, or if your Social Security number (SSN) is found on the Dark Web.
Frequently Asked Questions
What is identity theft?
Identity theft occurs when a fraudster obtains your personal information—like your name, address, phone number, Social Security number, credit card details, passport information, or other forms of identification—and uses it to commit crimes under your name. The primary objective of identity thieves is to access your personally identifiable information (PII) and exploit it for financial gain.
According to the U.S. Federal Trade Commission (FTC), there’s been over a 2X increase in identity theft cases from 2019 to 2021, up from 650,000 to 1.4 million cases.
Call us at 1-717-920-0300 to learn more about identity theft monitoring & credit monitoring features included in our plans.
How does identity theft happen?
Identity theft happens when someone misuses your personal or financial information to make purchases, obtain benefits, file taxes, or engage in fraudulent activities.
Common types of identity theft are:
- Financial fraud
- Medical identity theft
- Child identity theft
- Elder fraud
- “Friendly” or familial identity theft
- Employment identity theft
- Criminal identity theft
- Tax identity theft
- Unemployment fraud
- Synthetic identity theft
- Identity cloning
- Account takeovers
- Social Security number fraud
Here are four common techniques used in identity theft:
1. Data Breaches
Modern scammers can hack into a company’s database or purchase stolen information from the Dark Web. This data may include sensitive personal details like passwords, credit card information, or Social Security numbers stored on shopping websites.
2. Viruses & Malware
Downloading malware can happen through visiting untrusted websites, clicking suspicious links, or connecting unfamiliar USB devices. Hackers can install harmful software like ransomware to steal your data or extort money. Protect yourself with antivirus software and a secure VPN to safely browse public Wi-Fi networks.
3. Phishing Attacks
Phishing often comes via email, text, or social media messages urging you to confirm your identity by entering login credentials. Thieves may even target children through gaming platforms or social media to gain account access and commit fraud. Be cautious when opening spam emails, and avoid clicking on unfamiliar links.
4. Physical Theft
Losing items like your wallet, driver’s license, or Social Security card can enable thieves to misuse this information. Additionally, mail theft or change-of-address scams may expose your financial data, such as bank account numbers. Always secure sensitive documents and monitor your mail.
Remember, everything you do online leaves a digital footprint. Criminals can access your personal information with something as simple as an email, so staying vigilant is crucial.
Call us at (717) 920-0300 to learn more about identity protection & insurance.
What is covered under identity theft insurance?
The identity theft insurance included with your Alliance Protection Plan* provides:
- Stolen funds reimbursement: If your money is stolen due to identity theft, you may be covered for up to $5 million for specific costs and expenses incurred.
- Personal expense compensation: Coverage may include legal fees, travel fees, and time-off work reimbursement to resolve your identity theft incident.
- Coverage for lawyers and experts: If you become a victim of identity theft as a paid subscriber, certain resulting legal fees and expenses may be covered.
Your liability for debts incurred due to identity theft is significantly limited under various federal laws. For example, under the Electronic Fund Transfer Act (EFTA), liability for lost or stolen debit cards ranges from $0 to potentially unlimited, depending on the timing of the report.
Aura’s insurance covers reasonable expenses incurred as a result of recovery from identity fraud. For example, credit freeze and thaw costs, transcript costs, appeal bond, court filing fees, expert witness or courier fees.
How do you report identity theft?
Contact companies directly:
- Inform fraud departments of companies where you noticed errant charges or unusual activity. They may be able to freeze or close your account for you.
- Also update logins, passwords, and PINs you think are compromised.
Secure your credit:
- Place a free fraud alert by contacting one of the three credit bureaus (Experian, TransUnion, Equifax), which will then inform the other two.
- Obtain free credit reports from annualcreditreport.com or by calling 1-877-322-8228.
File a report with the Federal Trade Commission (FTC):
Contact the FTC via IdentityTheft.gov or by calling 1-877-438-4338.
Add as much information as you can to receive an Identity Theft Report and a personalized recovery plan.
How long does it take to recover from identity theft?
On average, it can take over six months and 100–200 hours of your time to discover, resolve, and recover from the effects of identity theft.
*My Identity First Protection Plans are powered by Alliance - expert PA based computer security & repair company - and backed by Aura - a consistently top-rated identity theft protection service.
**The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.
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 Equifax 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.
³ As compared to the competition. Results based on a 2022 mystery shopper consumer study conducted by ath Power Consulting. ath Power Consulting was compensated by Aura to conduct this study.
⁴ Child members on the family plan will only have access to online account monitoring and social security number monitoring features. All adult members get all the listed benefits.
⁵ Ranked #1 by Security.Org and IdentityProtectionReview.com. They may be compensated as a marketing affiliate of Aura, but their ratings are all their own.
⁶ cdc.gov.../getmoving
⁷ commonsensemedia.org.../new-normal
⁸ kaspersky.com.../parents-worried
⁹ Javelin 2022 Identity Fraud Study
‡ Not all features use AI capabilities.
No one can prevent all identity theft or monitor all transactions effectively. Further, any testimonials on this website reflect experiences that are personal to those particular users, and may not necessarily be representative of all users of our products and/or services. We do not claim, and you should not assume, that all users will have the same experiences. Your individual results may vary.