Ask HN: What credit monitoring service(s) do you use?

Don't. "Monitoring" services only catch things after they have occurred (i.e., after a loan has been taken out under your identity).

Just freeze your file at all the firms, and you'll prevent those loans from even being given out under your identity (well, except for shady places that don't check anything, but there is no way to 'protect' against those anyway).

Do a credit freeze - this means no companies are able to pull your report. If your credit needs to get pulled (for a mortgage or something) you will need to unfreeze. This will currently cost $5-$10 per agency.

Credit monitoring is only useful in that it will tell you when someone opened an account in your name. The damage is done: resolving the issue will take tens of hours of your time.