I used to be big fans of Credit Karma and TrueBill but both have sold out to companies I really dislike (essentially the Intuit family of companies). I really dislike Intuit lobbying the US government to keep taxes complicated as well as their mediocre software.
I tried Monarch but it didn’t really help me at all; it felt very incomplete. As for credit monitoring I know just about every bank offers gimmicky services but I’d like to avoid those if possible (don’t even get me started on personal banking).
Oh I see, essentially you’re just locking access to it. I looked it up because I didn’t really know what I was talking about.