topic Re: Discover Card Free Monitoring Through Experion in Community Chat

Discover Card Free Monitoring Through Experian

Pearlee — Sat, 16 Sep 2017 15:16:35 GMT

I was offered free monitoring and alerts from Discover Card using Experian. There was no one-year time limit on the free monitoring. I signed up - I've been with Discover card for 30 years and think it's a fine company and trust them more than I trust Equifax to monitor my account and send me alerts. Of course, Discover already has my SS number .

From the Terms:

Discover Identity Alerts provide you with: (a) daily monitoring of your Experian® credit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security Number on is found on such a website. We will automatically enroll the Social Security Number associated with the Primary credit cardmember for the website monitoring.

This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts and those alerts will be delivered to the primary email address on file. Identity alert services are based on Experian® information and data which may differ from information and data at other credit bureaus.

Discover is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.

Re: Discover Card Free Monitoring Through Experion

NicksmomESQ — Sat, 16 Sep 2017 14:48:08 GMT

@Pearlee That's great.I'm a Discover card holder too.I will call them & see if they would extend the offer to me as well. Does that monitoring include all 3 bureaus or just Experian?

Re: Discover Card Free Monitoring Through Experion

Pearlee — Sat, 16 Sep 2017 15:15:01 GMT

@NicksmomESQ From my understanding it's just Experian.

I was sent an email offer for it but accidentally deleted the email, so I called Discover to see where on the site I could find it. Here's how. Use just the regular discover.com email addy but add /freealerts to the addy. (that's a slash and then freealerts). It'll take you right to it.

That's what I used to sign up just now - I saw the same offer there and the terms as the one emailed to me. The one emailed to me though, in the text of the email said to read the terms and to be advised that the terms could change. That was a big red flag to me to check the terms at least once a month to see if they aren't later going to impose a charge. The CS person at Discover told me they wouldn't if I sign up for free for it now...but you never know.

Re: Discover Card Free Monitoring Through Experion

sunshine45 — Sat, 16 Sep 2017 15:20:39 GMT

yes, i have it through discover and through creditkarma.

i have to check some of my other credit cards also.

i am not signing up for anything through equifax.

Re: Discover Card Free Monitoring Through Experion

SeaMaiden — Sat, 16 Sep 2017 15:24:18 GMT

@Pearlee Thanks. I signed up for it through Discover... why not?

Re: Discover Card Free Monitoring Through Experion

Pearlee — Sat, 16 Sep 2017 15:33:13 GMT

@SeaMaiden wrote:
@Pearlee Thanks. I signed up for it through Discover... why not?

@SeaMaiden That's pretty much what I thought!

Re: Discover Card Free Monitoring Through Experian

Pook — Sat, 16 Sep 2017 15:34:55 GMT

You probably will get many more emails from companies affiliated with Discover though. My friend had signed up with Discover and that is what happened.

Re: Discover Card Free Monitoring Through Experian

SeaMaiden — Sat, 16 Sep 2017 15:43:47 GMT

@Pook wrote:
You probably will get many more emails from companies affiliated with Discover though. My friend had signed up with Discover and that is what happened.

That is OK. I get so many emails everyday a few more will be fine

Re: Discover Card Free Monitoring Through Experian

Krimpette — Sat, 16 Sep 2017 15:49:38 GMT

I've been a Discover card holder for years. Never receive e-mails from them. Signed up for their credit monitoring last weekend. No e-mails thus far.

Re: Discover Card Free Monitoring Through Experian

sunshine45 — Sat, 16 Sep 2017 15:54:29 GMT

the only time i get emails from discover is when my payment is due, when my payment has been credited to my account, and for their special cash back bonus offers that run every three months. i have my contact settings set for these.

Re: Discover Card Free Monitoring Through Experian

noodleann — Sat, 16 Sep 2017 15:57:55 GMT

Question: Have any of you who've signed up for this monitoring also frozen your credit with Experian, either before or after?

Just wondering how this monitoring could work if you'd locked the Experian account.

Re: Discover Card Free Monitoring Through Experion

NicksmomESQ — Sat, 16 Sep 2017 16:20:13 GMT

@Pearlee Thank You 😊!!

Re: Discover Card Free Monitoring Through Experian

Pearlee — Sat, 16 Sep 2017 16:42:30 GMT

@sunshine45 wrote:
the only time i get emails from discover is when my payment is due, when my payment has been credited to my account, and for their special cash back bonus offers that run every three months. i have my contact settings set for these.

@sunshine45 I think Pook's point was that Discover was going to share our email addys with businesses they'll sell it to. I didn't see in the terms of the monitoring that I was agreeing to Discover doing that. The privacy provision in the terms states as follows:

Privacy

Please see Discover Card's Privacy Policy (website was given for Discover's Privacy Policy which I deleted for this post)

Since - like you - I have not been spammed by emails thus far and I've been under Discover's Privacy Policy for years and years, I'm really not concerned about what Pook pointed out.

Re: Discover Card Free Monitoring Through Experian

sunshine45 — Sat, 16 Sep 2017 16:49:37 GMT

here is a link to discovers privacy policy....revised 9/17

https://www.discover.com/privacy-statement/pdf/DiscoverCardPrivacyPolicy.pdf?0917

To limit our sharing?

Call 1-800-225-5202 – our menu will prompt you through your choices

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 1-800-347-2683

Re: Discover Card Free Monitoring Through Experian

Biftu — Sat, 16 Sep 2017 18:38:59 GMT

I do not have a discover card but since the monitoring is free I say why not. I would never pay for these services because as I understand it they alert you after the fact and that's where their services end. It's like closing the barn door after the horse has left. On the plus side they may alert you before you may notice any breaches. I'm not so much concerned about credit card charges as I am about my social security number being out there and my investment accounts and bank accounts. I am not held liable for unauthorized charges on my credit card.

Re: Discover Card Free Monitoring Through Experian

gidgetgh — Sat, 16 Sep 2017 19:23:07 GMT

I signed up for it also, about two weeks again.