![]() Calculating the common-scale rating: We divided the adjusted T-Score, which is on a 100-point scale, by 20 to convert the third-party rating to a common 0-5 point system.To ensure that the mean was equal across all data points, we added our desired scoring mean (between 0 and 10) to the T-Score to create an adjusted T-Score. Calculating the T-Score: We used a T-Score calculation to convert the Z-Score to a 0-100 scale by multiplying the Z-Score by 10.We then subtracted the mean from the company’s rating and divided it by the standard deviation to product the Z-Score. To determine the Z-Score for each third-party rating of a company, we calculated the mean of the ratings across all companies evaluated by that third-party source. The Z-Score is negative when the data point is below the mean and positive when it's above the mean a Z-Score of 0 means it's equal to the mean. Calculating the Z-Score: The Z-Score represents a data point's relation to the mean measurement of the data set.We do not claim, and you should not assume, that all users will have the same experiences. 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. No one can prevent all identity theft or monitor all transactions effectively. They may be compensated as a marketing affiliate of Aura, but their ratings are all their own. All adult members get all the listed benefits. ⁴ Child members on the family plan will only have access to online account monitoring and social security number monitoring features. ath Power Consulting was compensated by Aura to conduct this study. Results based on a 2022 mystery shopper consumer study conducted by ath Power Consulting. If you switched to a new annual plan within 60 days of your initial Aura annual subscription, you may still qualify for the Money Back Guarantee (based upon your initial annual plan purchase date). If you signed up for Aura through a free trial, then your membership purchase date will be the date you signed up for your free trial, and you will have 60 days from the date you signed up for your free trial to cancel and request a refund. The password manager stores them for you and even helps you generate new, random ones. Professional reviewers say its interface is easy to use and its security is among the best. You may cancel your membership online and request a refund within 60 days of your initial purchase date of an eligible Aura membership purchase by calling us at 1-85. Keeper: Keeper is the Best Password Manager of 2023. New users will likely see this option first in Dashlane’s password manager. ![]() ² 60-day money back guarantee is only available for our annual plans purchased through our websites (excludes Amazon) or via our Customer Support team. 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. ![]() It is calculated using the information contained in your Equifax credit file. ¹ The score you receive with Aura is provided for educational purposes to help you understand your credit. Full access to plan features depends on identity verification and credit eligibility. ** Free trial offer can only be redeemed once per customer. Coverage may not be available in all jurisdictions. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. 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. * Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc.
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