We’ve had Geico Identity Theft Protection for several years because it was easy as we have been insured with Geico forever but I let it expire and am wondering if there is a better option or maybe not even bother?
I have our accounts locked down with every possible ALERT set up and the 3 credit bureaus all FROZEN.
I watch everything really close but s*** still can happen.
Please share @TP-Ryan @TP-Brett and advise. I looked for a thread but didn’t see anything recent. Thank you.
Correction. I see Aura recommended July 2025. Is that still a really good choice? Thank you.
https://troypoint.com/aura-best-identity-theft-protection-at-a-low-price/
@GraceWilson , @itzme here, just throwing some AI info out here … which you may already know…but anywho…
A credit freeze restricts access to your consumer credit reports, which prevents lenders from approving new credit accounts in your name. This specifically blocks the opening of new credit cards, loans (such as mortgages or auto loans), and other lines of credit that require a hard credit inquiry
While the three major bureaus (Equifax, Experian, and TransUnion) handle standard credit applications, sophisticated identity thieves may target secondary bureaus. For comprehensive protection, you may also consider freezing reports with ChexSystems (which prevents the opening of checking and savings accounts) and NCTUE (which prevents the opening of utility and mobile phone accounts)
Excellent infomation, if you have the website to the last two handy can you share with us?
@itzme thank you so much
If you already have alerts enabled and all three credit bureaus frozen, you’ve covered some of the most important basics. I’d be interested to hear whether others find identity-theft monitoring services worth the extra cost or if the free protections are enough.
IMO there is no reason to pay for this stuff. It’s 2026 almost all of us have an email address that’s been compromised multiple times and we have free credit monitoring basically forever 
@SoloWarrior I agree, my old job accidently exposed several hundred employees PII and gave us an identity theft monitoring service. It doesn’t seems to do much but send me a brunch of email notifications of sexual offenders in the area. l had already froze my credit reports.
@Mslea I get emails about once a week telling me my credit score has gone up or down with a link to view the new score
Yeah, I don’t use that feature of my service. My bank provides me with my weekly credit score changes.
