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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.

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

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Technologies

Pope Francis’ Funeral: How to Stream Live or Watch the Replay

Here’s how to stream the pope’s funeral very early Saturday, and what you can expect to see during the service.

After a week of global mourning for Pope Francis, who died on Monday at age 88, the pope’s funeral will be celebrated on Saturday . Francis’ funeral will be held Saturday at 10 a.m. local time at St. Peter’s Square in Vatican City (which is very, very early if you’re tuning in from the US or Canada), and he will be laid to rest at the Papal Basilica of St. Mary Major in Rome. 

The Vatican will be livestreaming the papal funeral and procession, though not the burial, on its YouTube channel as it happens. The funeral will also be televised live on CBS, NBC, ABC and Fox, as well as on streaming services like Disney Plus, Hulu, Peacock and Paramount Plus. Due to the time difference, it seems likely that many interested North American viewers will catch it when it’s replayed later on Saturday. Numerous networks will rebroadcast the service later that day.

If you choose to stay up, or get up early, here’s when the live broadcast of the pope’s funeral will air in your time zone in the continental US on April 26:

  • ET: 4 a.m.
  • CT: 3 a.m.
  • MT: 2 a.m.
  • PT: 1 a.m.

The papacy of Pope Francis was notable for the progressive reforms he brought to the Roman Catholic Church. He appointed more than half of the current College of Cardinals and attempted to foster more positive attitudes toward members of the LGBT community and migrants worldwide.

What to expect from the funeral 

The funeral will follow many rituals, though not all traditional protocols will be followed. Most popes are buried in St. Peter’s Basilica or its grottoes, but the AP reports Francis chose the St. Mary Major Basilica to reflect his veneration of an icon of the Virgin Mary that is located there, the Salus Populi Romani (Salvation of the People of Rome).

His funeral will be less elaborate than those of other popes per his own wishes. Francis simplified papal funeral rites last year, permitting his burial outside the Vatican, and emphasizing his role as a bishop rather than as pope (the pope is also the Bishop of Rome).

Previous popes were buried in three coffins: one of cypress, one of lead and one of oak. Francis requested to be buried in a single wooden, zinc-lined coffin and not to be placed in an elevated bier as other popes were.

The coffin will be taken from St Peter’s Basilica and placed on a dais in St Peter’s Square, where Cardinal Giovanni Battista Re will lead the service. After the service, the coffin will return to St Peter’s Basilica before it is carried across the River Tiber and to the Papal Basilica of Saint Mary Major for burial. The ceremony is estimated to end around 2 p.m. local time, or four hours after it begins.

Pope Francis’ funeral Mass will be the first of nine Masses held daily at St. Peter’s until May 4. This is an ancient tradition of the Catholic Church that observes nine days of consecutive mourning. According to Vatican News, a different group of mourners will participate each day, though the Eucharistic celebrations are open to everyone.

Who will attend Pope Francis’ funeral?

Hundreds of people, including world leaders and royals, are expected to attend Pope Francis’ funeral. 

US president Donald Trump confirmed on his Truth Social Platform that he and first lady Melania Trump will be at the funeral. This will be Trump’s first foreign trip in his second term. He is expected to have a seat in the third row, though the Vatican has yet to release an official seating chart. It is tradition for the first row of seats to go to Catholic royalty, and the second row to non-Catholic royals.

Prince William, who is attending on behalf of King Charles, will sit in the second row, which is reserved for non-Catholic royals. Former president Joe Biden and first lady Jill Biden, devout Catholics, will also attend the funeral.

Conclave: What happens next to choose the new pope

After Pope Francis’ funeral, the cardinals of the Roman Catholic Church will vote on his successor in an assembly of cardinals known as a conclave.

There are many matters for the cardinals to settle before the conclave begins, but once it does, it can take days or even weeks to conclude. Two-thirds of the cardinals’ votes are required to elect the next pope. The conclave occurs behind closed doors and the vote tally is never made public.

Read more: Where to Watch Conclave, the Vatican Thriller About Electing a New Pope

Look for the white smoke

The ballots are burned after each round, and chemicals are added to the flames to produce black smoke if there’s no majority. When a new pope has been selected, the chemicals will be added to the flames so they produce white smoke. Crowds gather in St. Peter’s Square to watch for the results.

If you’re fascinated by the process, you can watch a dramatized version of the events in 2024 film Conclave.

In the movie, Ralph Fiennes stars as Cardinal Thomas Lawrence, who spearheads the election of the next pope while investigating rumors about potential candidates. The film is based on the 2016 novel by Robert Harris and is completely fictional — though it does represent some of the events of how actual papal conclaves take place. In March, the film won the Academy Award for best adapted screenplay.

You can stream Conclave on Amazon Prime Video, or rent it for $6 on Apple TV, Fandango at Home, YouTube or Google Play Movies.

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Technologies

Today’s NYT Connections Hints, Answers and Help for April 26, #685

Hints and answers for Connections for April 26, #685.

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

Today’s Connections puzzle features a lot of short words, but that doesn’t mean it’s easy. That purple category requires a lot of thinking — probably most people will solve it only by solving the other three and having four words left over. Read on for clues and today’s Connections answers.

The Times now has a Connections Bot, like the one for Wordle. Go there after you play to receive a numeric score and to have the program analyze your answers. Players who are registered with the Times Games section can now nerd out by following their progress, including number of puzzles completed, win rate, number of times they nabbed a perfect score and their win streak.

Read more: Hints, Tips and Strategies to Help You Win at NYT Connections Every Time

Hints for today’s Connections groups

Here are four hints for the groupings in today’s Connections puzzle, ranked from the easiest yellow group to the tough (and sometimes bizarre) purple group.

Yellow group hint: Rainbow.

Green group hint: San Fernando ____.

Blue group hint: Think Robert.

Purple group hint: Mixed-up hue words.

Answers for today’s Connections groups

Yellow group: Tint.

Green group: Valley.

Blue group: Bobs.

Purple group: Color anagrams.

Read more: Wordle Cheat Sheet: Here Are the Most Popular Letters Used in English Words

What are today’s Connections answers?

The yellow words in today’s Connections

The theme is tint. The four answers are color, hue, shade and tone.

The green words in today’s Connections

The theme is valley. The four answers are dale, dell, glen and hollow.

The blue words in today’s Connections

The theme is Bobs. The four answers are Dole, Hope, Marley and Ross.

The purple words in today’s Connections

The theme is color anagrams. The four answers are Dre (red), Gary (gray), genre (green) and lube (blue).

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Technologies

Today’s NYT Connections: Sports Edition Hints and Answers for April 26, #215

Hints and answers for the NYT Connections: Sports Edition puzzle, No. 215, for Saturday, April 26.

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

Connections: Sports Edition is tough today. The purple category theme threw me because of one phrase I didn’t know. And let’s hope you’re familiar with college coach surnames. Read on for hints and the answers.

Connections: Sports Edition is out of beta now, making its debut on Super Bowl Sunday, Feb. 9. That’s a sign that the game has earned enough loyal players that The Athletic, the subscription-based sports journalism site owned by the Times, will continue to publish it. It doesn’t show up in the NYT Games app but now appears in The Athletic’s own app. Or you can continue to play it free online.  

Read more: NYT Connections: Sports Edition Puzzle Comes Out of Beta

Hints for today’s Connections: Sports Edition groups

Here are four hints for the groupings in today’s Connections: Sports Edition puzzle, ranked from the easiest yellow group to the tough (and sometimes bizarre) purple group.

Yellow group hint: Try to achieve.

Green group hint: Move through it.

Blue group hint: Sideline bosses.

Purple group hint: Like a carton.

Answers for today’s Connections: Sports Edition groups

Yellow group: What one strives for.

Green group: Room to run.

Blue group: College football coaches.

Purple group: Box ____.

Read more: Wordle Cheat Sheet: Here Are the Most Popular Letters Used in English Words

What are today’s Connections: Sports Edition answers?

The yellow words in today’s Connections

The theme is what one strives for. The four answers are aim, goal, objective and target.

The green words in today’s Connections

The theme is room to run. The four answers are gap, hole, opening and space.

The blue words in today’s Connections

The theme is college football coaches. The four answers are Day, Lanning, Smart and Stoops.

The purple words in today’s Connections

The theme is box ____. The four answers are lacrosse, office, score and seat.

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