Technologies

Best Identity Theft Protection and Monitoring Services for 2023

Got a hunch that someone’s ruining your credit? These identity theft protection services can help you find out — and fight back.

Identity theft is no joke: It’s a serious threat with the potential to destroy your entire life if you aren’t careful. And according to the Identity Theft Research Center, these cybercrimes are on the rise, with data compromises increasing by 68% in 2021 alone. This is why you need to protect yourself with one of the best identity theft protection services available.

Falling victim to one of these crooks could result in your credit being directly attacked. They might even commit other crimes and cause additional problems with your stolen identity. Your Social Security number, bank account and more are at risk, which is why you need to be proactive in protecting yourself.

The best way to safeguard your personal information is to make use of the best identity theft protection services to suit your needs. These services typically offer ID protection, credit monitoring and more to keep your sensitive data away from prying eyes. Our top picks for the best identity theft protection and monitoring services can help safeguard your identity and proactively monitor suspicious activity and assist with recovery if you become a victim of a data breach.

ID theft protection is only going to become more essential. In 2019 alone, there were more than 13 million US identity fraud cases, with victims losing nearly $17 billion, along with untold damage to credit reports. The 2017 Equifax breach was the icing on a nasty cake — one that got even worse in the following years. One of the biggest 2020 data breaches was the Marriott hack, which affected over 5 million customers. That followed an earlier breach of Marriott’s Starwood reservation system, in which the personal information of more than 380 million guests was compromised, including more than 5 million passport numbers
.

In this directory, we’ll look at some of the best options for helping you manage and protect your identity at various price levels. We’ll also explain the difference between an identity theft protection company and a credit monitoring service. Before we get started, keep in mind that you don’t have to spend $10 to $30 a month for the best identity theft protection service. The US government offers IdentityTheft.gov, an identity restoration service that can help a victim report and recover from identity theft.

Read more: How to Prevent Identity Theft

We’ll jump straight to the top choices for the best identity theft protection service options for ID monitoring, credit monitoring and more. Keep reading to review additional important information and facts about ID theft and ID protection. This list is updated frequently.

How much? Pricing compared
Not recommended: Equifax and TrustedID
Identity theft: What you need to know

What about Equifax and TrustedID?

Ah, Equifax. If you already have an ID monitoring service, it may well be because of this company, which is the poster child for bad security. One of the big three credit reporting agencies, Equifax had no less than five major data breaches in 2017, affecting nearly every American who has a credit history. In the months that followed, we learned that things may have somehow even been worse than originally known.

And the company’s ham-fisted response to each data breach made matters worse: At one point, the company was directing users to a fake help site. And the site it set up to provide free credit account monitoring after the data breach was originally also vulnerable to hackers.

Heads rolled, executives left, and the company’s reputation is in tatters. And yet, thanks to a tepid response from the federal government, it’s unclear if anything has really changed. Equifax remains one of three major companies — Experian and TransUnion being the other two — that pass judgment on whether we’re all credit-worthy.

For better or worse, many people took advantage of Equifax’s offer of a free year’s membership to TrustedID, its commercial identity theft service. But that offer — originally available to anyone with a Social Security number — has ended. (It required that you register by Jan. 31, 2018.)

The service provides a copy of your Equifax credit report, a lock on your Equifax data by third parties (with some exceptions), credit monitoring from all three credit bureaus, monitoring of your SSN on what Equifax calls «suspicious» websites and a very limited $1 million identity theft insurance policy.

We understand if you took advantage of the offer while it was free. That said, we just can’t recommend doing business with a company that has demonstrated such contempt for security protocols — let alone customers. Any of the alternative protection services listed above would be a better option.

Pricing compared

The base prices of each service are presented below, from lowest to highest. Note that the more expensive ones almost always offer additional perks, such as more frequent credit reports from credit bureaus.

*Offers 60-day money back guarantee.

Identity theft: What you need to know

These are some key things to keep in mind about the best identity theft protection and ID monitoring services.

Early detection is key. If you’re signing up for one of these protection services, it’s less about preventing the initial breach and saving you from being a victim of identity theft — that’s somewhat out of your hands, unfortunately. Instead, the best identity theft protection is about getting a heads-up as soon as possible on suspicious activity to prevent you from needing to do a credit freeze or more to stop an identity thief. Whether your credit card has charges on it you never incurred, or you suddenly discover that loan collectors are trying to collect amounts you never borrowed, thanks to thieves halfway across the country — or thieves halfway around the world — who opened a credit card or applied for a loan in your name, seeing the suspicious activity early on is the name of the game. The scary fact is that these breaches can cost you a lot of money and identity theft monitoring can alert you to a problem before it becomes too big to handle.

Knowing how your personal information is being used is a big step to keeping yourself safe. There are identity theft protection companies that can help you monitor your personal information, get notified if your accounts and personal information are being misused by thieves and if you should get a credit freeze, and even get you reimbursement after the fact.

None of these protection services will monitor your actual banking activity. I have long recommended a way to protect yourself from becoming a victim of most banking fraud, which is to examine all your accounts once a week. It’s a bit of a pain, but just in my family, we’ve found numerous fraudulent activities and charges over the years. By doing this practice regularly, we’ve saved thousands of dollars. Consumer Reports recommends you do all your own monitoring, too.

That said, if you’re not the type of person who is willing or able to take the time to do the constant due diligence necessary to protect your identity, some of these protection services can help.

Read the fine print. Finally, because each of these protection services offers vastly different terms and conditions, we’ve included an easy link to each company’s terms of service. Be sure to take the time to read all of their fine print before you sign up for another monthly or yearly fee.

More security and internet recommendations

Technologies

Today’s NYT Mini Crossword Answers for Saturday, July 19

Here are the answers for The New York Times Mini Crossword for July 19.

Looking for the most recent Mini Crossword answer? Click here for today’s Mini Crossword hints, as well as our daily answers and hints for The New York Times Wordle, Strands, Connections and Connections: Sports Edition puzzles.

Today’s Mini Crossword is a delight. I was thrilled to spot a cute salamander with a funny name in the clue for 9-Across. Good thing I remembered how to spell it! Keep reading for help with today’s Mini Crossword. And if you could use some hints and guidance for daily solving, check out our Mini Crossword tips.

The Mini Crossword is just one of many games in the Times’ games collection. If you’re looking for today’s Wordle, Connections, Connections: Sports Edition and Strands answers, you can visit CNET’s NYT puzzle hints page.

Read more: Tips and Tricks for Solving The New York Times Mini Crossword

Let’s get to those Mini Crossword clues and answers.

Mini across clues and answers

1A clue: See-through
Answer: CLEAR

6A clue: «Anybody home?»
Answer: HELLO

7A clue: Winged horse of Greek myth
Answer: PEGASUS

9A clue: Salamander known for its regenerative abilities (and adorable appearance)
Answer: AXOLOTL

10A clue: Texting format, for short
Answer: SMS

11A clue: Birthplace of bossa nova
Answer: RIO

12A clue: Even score
Answer: TIE

13A clue: Insect seen in Dalí’s «The Persistence of Memory»
Answer: ANT

14A clue: Directory abbr.
Answer: EXT

15A clue: Metroid console, for short
Answer: NES

Mini down clues and answers

1D clue: Party snack made with cereal and pretzels
Answer: CHEXMIX

2D clue: Gift with many interlocking pieces
Answer: LEGOSET

3D clue: Airline whose name comes from the Book of Hosea
Answer: ELAL

4D clue: Election loser
Answer: ALSORAN

5D clue: Stand-up comic’s act
Answer: ROUTINE

7D clue: Command that uses the «V» key
Answer: PASTE

8D clue: Pulling their arms might win you money
Answer: SLOTS

Technologies

It’s the End of the Road for Microsoft Store Movies and TV Shows. What It Means for You

Microsoft has abruptly stopped offering rentals and sales of TV shows and movies on its media platforms.

Microsoft is exiting the market for selling and renting TV and movies across its platforms. There was no reason given for the abrupt change, with Microsoft simply posting the news on a support page on its Xbox website.

«Microsoft has stopped selling new movie and TV content. Existing customers can continue to access their previously purchased content on Windows and Xbox devices,» Microsoft said in the post.

The company said playback and download options will continue to be available for shows and movies people bought previously, but it’s the end of the road for new sales.

On the same page, Microsoft directed users to sign up for Movies Anywhere if they aren’t already members, which makes purchased content available across platforms, and to shop at other media stores including Amazon’s Prime Video, Apple TV and Fandango at Home.

A representative for Microsoft didn’t offer additional comment, but pointed CNET to a similar support blog post on Microsoft’s website.

Microsoft has partnered with many companies over the years to distribute video content since the early 2000s. The move comes as the company has been experiencing mass layoffs and cost cutting across many divisions, including its gaming studios, resulting in the cancellation of multiple upcoming Xbox games.

What happens to content I’ve bought from Microsoft?

Although Microsoft says previously purchased content isn’t going to be unavailable, there are some things to be aware of. According to the support page, you can’t transfer your purchases to another service (although they can be accessed on other services if Movies Anywhere makes them available, but that doesn’t apply to TV shows).

Microsoft isn’t offering refunds for any purchased content, either.

Microsoft says that downloads of movies and TV shows will still work and will be available, «on Windows and in HD max resolution.» Movies and TV shows will still be playable on the Microsoft Movies & TV app.

The company says anyone who is having trouble accessing their purchases can reach out to Microsoft Support.

Technologies

Microsoft Will Erase Your Passwords in 2 Weeks: What to Do Now

If the Authenticator app is your go-to password manager, you’ll need to pick a new one soon.

Microsoft is axing passwords starting in August — and if you use its Authenticator app, you’ll want to be prepared.

For years, Microsoft Authenticator has been a go-to for managing multifactor authentication and saved passwords. However, starting next month, it will no longer support passwords and will move to passkeys instead. That means your logins will soon rely more on things like PINs, fingerprint scans or facial recognition.

Using a passkey can make your account safer, and it’s a move I’m excited about. I recently uncovered that 49% of US adults have risky password habits that can open the door to scammers getting access to your sensitive data.

If you’re a fan of Authenticator and not sure where to start before the switch, here are other password managers CNET recommends and steps you should take before August.

When will Microsoft Authenticator stop supporting passwords?

Microsoft Authenticator houses your passwords and lets you sign into all your Microsoft accounts using a PIN, facial recognition like Windows Hello, or other biometric data like a fingerprint. Authenticator can be used in other ways, such as verifying you’re logging in if you forgot your password, or using two-factor authentication as an extra layer of security for your accounts. In June, the company stopped letting users add passwords to Authenticator.

Starting this month, you won’t be able to use the autofill password function. And next month, you’ll no longer be able to use saved passwords.

If you still want to use passwords instead of passkeys, you can store them in Microsoft Edge. However, CNET experts recommend adopting passkeys during this transition. «Passkeys use public key cryptography to authenticate users, rather than relying on users themselves creating their own (often weak or reused) passwords to access their online accounts,» Tomaschek said.

Why are passkeys a better alternative to passwords?

So what exactly is a passkey? It’s a credential created by the Fast Identity Online Alliance that uses biometric data or a PIN to verify your identity and access your account. Think about using your fingerprint or Face ID to log into your account. That’s generally safer than using a password that is easy to guess or susceptible to a phishing attack.

«Passwords can be cracked, whereas passkeys need both the public and the locally stored private key to authenticate users, which can help mitigate risks like falling victim to phishing and brute-force or credential-stuffing attacks,» said Attila Tomaschek, CNET’s software senior writer and digital security expert.

Passkeys aren’t stored on servers like passwords. Instead, they’re stored only on your personal device. More conveniently, this takes the guesswork out of remembering your passwords and the need for a password manager.

How to set up a passkey in Microsoft Authenticator

Microsoft said in a May 1 blog post that it will automatically detect the best passkey to set up and make that your default sign-in option. «If you have a password and ‘one-time code’ set up on your account, we’ll prompt you to sign in with your one-time code instead of your password. After you’re signed in, you’ll be prompted to enroll a passkey. Then the next time you sign in, you’ll be prompted to sign in with your passkey,» according to the blog post.

To set up a new passkey, open your Authenticator app on your phone. Tap on your account and select «Set up a passkey.» You’ll be prompted to log in with your existing credentials. After you’re logged in, you can set up the passkey.

Other password manager alternatives

Since Microsoft will get rid of all of your passwords in two weeks, you’ll need a new place to store your passwords safely. Tomaschek has a few of the best password manager recommendations after testing and reviewing several.

The top recommendation is Bitwarden for its transparency. It’s open-source and audited annually. From a price perspective, the free plan lets you store infinite passwords across unlimited devices. The free plan also includes features most password managers would charge for, including password sharing and a username and password generator.

Bitwarden’s upgraded plans have other upgraded features that could be worth the cost, too.

Personally, Tomaschek has been using 1Password for a while, and he likes the interface and family plan. Even though it’s second on the list, Tomaschek says it’s just as good as Bitwarden.