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).
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AFAIK freezing your credit doesn’t stop it from building up.
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Freeze it, it’ll still build but keep anyone from using it. And then when you want to use it you thaw it for however long and it’ll freeze right after.