Stoia

Protect Your Identity and Credit: The Defense Checklist

Freeze your credit, read your reports, dispute errors, and lock down accounts. A free, no-panic defense plan for your financial identity.

For anyone who has ever gotten a breach notice (so, everyone).

  1. GuideHow to Freeze Your Credit, and Thaw It Without Missing a DealFreeze vs lock vs fraud alert, and the thaw workflow when you apply.
  2. GuideHow to Read Your Credit Report, Section by SectionThe sections, the normal, and the red flags, in a 20-minute review.
  3. GuideHow Credit Scores Work: The Five Factors Behind the Three DigitsKnow what the score measures before you defend it.
  4. GuideHow to Dispute a Credit Report Error and Make the Fix StickThe dispute letter, the investigation window, and the follow-through.
  5. GuideIdentity Theft: The First Hour, the First Week, and the Paper TrailThe first-hour list and the account-by-account sweep after a breach.
  6. Course step 8Protect What You BuildInsurance, beneficiaries, and fraud defense in one chapter.
  7. Free toolCredit Utilization CalculatorKeep the one factor you control monthly in the safe zone.
  8. Free toolNet Worth CalculatorInventory every account you own: the list a thief would want.

See your whole financial picture, calmly

Stoia brings everything you own and owe into one clear view. Launching in 2026 on iOS, Android, and the web.

Coming soon