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    Identity Protection

    Stop ID theft before it happens.

    Freeze your credit (FREE)

    Call all 3 bureaus: Equifax, Experian, TransUnion. Locks new accounts in your name.

    Annual free credit reports

    annualcreditreport.com — official, federally mandated, FREE.

    IdentityIQ / IdentityForce

    $10-$25/month. Monitors dark web, alerts on suspicious activity.

    Aura

    $9/month. Includes VPN, password manager, and ID monitoring.

    If stolen

    Report to identitytheft.gov — official FTC site. Walks you through every step.

    Medicare ID theft

    Treat your Medicare number like a credit card. If stolen, call 1-800-MEDICARE.

    Quick Tip: A credit freeze is FREE and stops 99% of identity theft. Do this first.