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
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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
This Duck-Billed Microphone Protects Against Eavesdroppers, But It Sure Is a Look
At CES 2026, this privacy accessory drastically quiets your conversations, though if you use it in public, you’ll surely raise questions.
Ever wanted to have a phone conversation without others listening in? At CES 2026, I saw a solution to this privacy problem, the Mutalk 2, a wearable microphone that muted my voice from people around me. It also made me look like a cyberpunk platypus.
Coming from Japanese company Shiftall, the Mutalk 2 is a $200 accessory that you wear over your mouth and nose, sealed by a rubber gasket, with a plastic oval extending out for a few inches. It connects to phones or devices over Bluetooth or wired 3.5mm jack. In a demonstration, I wore the Mutalk and chatted over the phone with someone 10 feet away who could hear me clearly on the call, but could pick up only the barest mumbling otherwise.
There’s no getting around the Mutalk’s strangeness, and I would expect to raise eyebrows if I ever wore it in public, as strapping one on made me look like I was wearing a gas mask. To be fair to Shiftall, I don’t have the design chops to suggest a better look for a microphone that incorporates tech to muffle my voice. Granted, I could imagine plenty of reasons to use it in the comfort of one’s own home, like to chat with online friends while gaming late at night without worry of waking up roommates, partners or babies.
From my brief time with the Mutalk 2, it appears to work as intended, and $200 isn’t prohibitive compared to the prices of other microphones. While it undeniably looks odd, its design is more functional than exotic. After I adjusted its rubber straps that went around my head, the accessory sat comfortably enough on my face, and was light enough that it wouldn’t seem to drag down during a longer conversation. The rubber gasket that covers the mouth and nose is removable, making it easy to clean.
If you want private conversations while you’re out in public, there may be less obtrusive ways to go about it than the Mutalk 2, like a throat microphone. But Shiftall’s design has other benefits, such as blocking lip-reading. And it’s worth pointing out that some people out there would love to rock that cyberpunk platypus look. I mean, folks did line up to buy the Razer Zephyr RGB mask — some people embrace parts of the bleeding-edge technological future that’re different from anything else around.
Technologies
Cloudflare Says Winter Olympics Cybersecurity Is at Risk in Spat With Italian Regulators
But Cloudflare’s global head of policy tells CNET the company is open to an agreement with Italy.
The CEO of the networking company Cloudflare is lashing out at Italy in response to regulatory anti-piracy fines, threatening to withdraw from the country and potentially the 2026 Winter Olympics.
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Italy announced on Jan. 8 that it had issued a fine of 14.2 million euros (approximately $16.5 million) against Cloudflare for failing to block access to pirated content. Soon after that, Cloudflare’s CEO Matthew Prince took to X to call out the fines, describing Cloudflare’s decision not to comply as a fight over censorship. Prince said that complying with Italy’s demands under its Piracy Shield policies would affect content globally.
Italy’s Piracy Shield is a program implemented by the country’s telecommunications regulator, AGCOM. In order to cut down on piracy in the country, such as hosting illegal streams of sporting events, the program allows IP holders to report content violations to a rapid-response automated system. However, some have complained that the 30-minute window given is not enough time for ISPs to properly vet complains, and is resulting in legitimate, non-pirated content being blocked as well.
«In other words, Italy insists a shadowy, European media cabal should be able to dictate what is and is not allowed online,» Prince said.
Yesterday a quasi-judicial body in Italy fined @Cloudflare $17 million for failing to go along with their scheme to censor the Internet. The scheme, which even the EU has called concerning, required us within a mere 30 minutes of notification to fully censor from the Internet any… pic.twitter.com/qZf9UKEAY5
— Matthew Prince 🌥 (@eastdakota) January 9, 2026
In his posts, Prince specifically mentioned the 30-minute timeframe that Italy requires for Cloudflare to disable access to suspected piracy traffic.
«We block pirate streams every time we find one,» he wrote. «We hate them.» But, he said, «we can’t put in place a system where a shadowy cabal can require us to remove GLOBALLY anything they don’t like on the internet within 30 minutes. That’s insane.»
Some of the proponents of Italy’s piracy rules are soccer teams that want to prevent the illegal streaming of their matches.
Prince went on to list steps his company might take, including pulling its cybersecurity service from the 2026 Milano Cortina Winter Olympics, removing Cloudflare servers from Italian cities and holding off on any plans to invest in the country. Prince also suggested he would get US government leaders involved, tagging Vice President JD Vance in his post. Prince also reposted a message addressed to the Italian prime minister, along with an article about Italy’s actions.
The Winter Olympics, scheduled to take place between Feb. 6 and Feb. 22 at sites across Lombardy and Northeast Italy, are a sensitive subject when it comes to cybersecurity, considering the potential that many may use VPN technology to view broadcasts of the event.
Door is open to an agreement, Cloudflare says
In an interview with CNET, a Cloudflare representative said that while the fine from Italy represents more than the company’s total revenue from the country, Cloudflare is still open to an agreement to avoid saying arrivederci to the country.
«We’re still evaluating, and we’re still open to working something out,» said Alyssa Starzak, Cloudflare’s deputy chief legal officer and global head of policy. «That would be a better solution. The hope is we can have some discussions for a more reasonable result.»
Starzak said the company has posted information and conducted outreach to Italian stakeholders about the ways Cloudflare is working to combat unauthorized streaming. But Italy’s law, she said, leaves no room for negotiation or nuance.
«It’s been very much a ‘You must do what we say’ » situation, she said.
Technologies
Transport Your Dungeons & Dragons Hero Off the Page With This Tabletop Gadget
At CES 2026, I found a couple ways that players and dungeon masters can use tech to upgrade their gameplaying experience.
As I walked around CES 2026, my eyes drifted over a poster awash with fantasy heroes, dastardly monsters and rolling dice — and I failed my saving throw to look away. If you’re a fellow tabletop gaming nerd, you might want to follow this pair of gadgets due out later this year.
Tabletop gaming continues to appeal to players with its deliberately analog gameplay, using miniatures, maps, dice and other physical trinkets to keep the focus on real-world play. The niche has grown in popularity over the decades, and a supporting industry has risen around it, offering third-party materials and accessories to enhance the experience. Digital gadgets and software have been added to this mix in recent years, and a new company, Arcalink, has its own supporting products for the avid Dungeons & Dragons player.
The first of Arcalink’s upcoming tabletop augmentations is a gadget that’s small but mighty. About the size of a film canister, the Arcalink One is a rectangular display around 2 to 3 inches long that’s covered in fantasy decorations. These can be swapped out, with one looking like a doorway in stone ruins and another appearing like a blue wizard’s portal (a third, not present but described to me, would look like a Mimic, the classic D&D monster that appears as a treasure chest to trick adventurers).
The Arcalink One’s screen shows a player’s avatar, and since it was built with the fantasy roleplaying game D&D in mind, animations for popular spells that can be triggered by voice commands. Tabletop RPGs encourage the theater of the mind, with players envisioning their characters through vocal descriptions, but the Arcalink One seems like a neat way for them to accessorize with a digital version of their hero (uploaded in JPG or MP4 file formats) that’s neither essential to play nor large enough to be obtrusive — a totemic treat to take from one game to another, swapping out character portraits by using the paired app.
The basilisk in the room is the price tag: the Arcalink One is expected to cost between $100 and $150, Arcalink founder Lizheng Liu told me. While the company hasn’t hashed out the final numbers, that first number is the device itself, and the high end of the range will bundle more of those clip-on decorations along with it.
Over $100 for an optional device is prohibitive for most tabletop players, but I imagine this would appeal to adventurers with deeper pockets who want a neat little plug-and-play gadget to bring more flair to the game table. Also, let’s not pretend tabletop fans aren’t already spending a good amount of money on accessories, dice and miniatures (looking at you, wargamers).
The company plans to let a select group of supporters start backing the Arcalink One in March or April, with a full Kickstarter crowdfunding campaign launching around June.
The second product, Arca Studio, is entirely digital: AI-powered software to help dungeon masters, the thankless gameplay managers who tell the story and give voice to their world’s denizens for their characters to experience. No, it’s not using generative AI to spit out campaign ideas — this AI software records your game sessions and will make it easy to go back and search for characters and plot events while planning ahead of your next game day.
Yes, this is a sort of gaming version of the AI summaries that productivity apps offer when, say, you’ve finished a video chat, but there are a few unique features tailored to tabletop gaming. One makes a word cloud grouping together recurring names and concepts in your campaign recordings to visualize the themes and frequent elements — great for dungeon masters to see which plot lines and adventure types they might be overusing to switch them up.
Arca Studio will launch around May or June and will be a subscription service, though Arcalink hasn’t decided on an expected monthly cost yet. It’s worth pointing out that anything could change in pricing or product features before these two products reach the market — and just like a good tabletop campaign, there might be some last-minute twists that change everything.
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