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I just froze the F out of my credit. All 4 bureaus. It's been that way since 2017. I recently unfroze it to apply for credit though my bank and it took maybe an hour to walk through all the bureaus sites to unfreeze. Mostly because my login had expired on one and I lost my password on another. The unfreeze was pretty simple and you can even specify a date to have the freeze resume automatically.
I apply for credit for something about every 5 years so for me, this was the best solution. No messing around with paying a service to monitor and report activity; I just shut down all activity. Seems next to bulletproof.
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