Discover® Identity Theft Protection Review

Best for Protecting Children's Identities

Discover's Identity Theft Protection services are available exclusively for Discover credit cardholders. The service is comparatively expensive at $15 per month, but it does offer a full suite of services including:

• Monitors key changes in your credit report from all  three major credit bureaus
• Alerts you when key changes are noted on your credit file
• Alerts you when new bank accounts are opened in your name and when changes are made to existing accounts
• Social Security Number alerts if your SSN is used to create a new identity at Experian
• Dark web monitoring for your personal data and SSN
• Credit balance, credit limit, and credit utilization alerts
• Payday loan alerts
• Address change alerts
• Criminal court records monitoring and alerts if your name appears in court proceedings

A couple of these features are not the standard fare of other identity protection services. Discover also adds a unique benefit designed to protect your entire family. Child identity protection for up to 10 children is included with Discover's plan. Stolen child identities are often used to illegally secure government benefits, take out loans, open credit cards, and more. In fact, if you discover a child under the age of 18 has a credit report, that's a good indication that his or her identity has been stolen. Discover monitors credit bureaus and thousands of dark web sites and alerts you if your child's social security number is found on any of them.

Screenshot from Discover.com 6/15/2021

Discover offers full resolution and restoration services with its account. These services are provided entirely by US-based agents. It also provides up to $1 million reimbursement^* to assist you should you have to pay for fraudulent charges made in your name or for legal expenses you may incur due to identity theft.

Discover has been in business for over sixty years and offers a wide range of financial services, from checking accounts and IRAs to credit cards and student loans. The company is accredited by the Better Business Bureau and earns an A+ rating from the organization. The company has the resources and tech muscle to provide excellent monitoring. Discover identity theft protection services are a safe bet for customers looking for full family protection from a trusted financial services brand.

* Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). 175 Water Street, New York, New York 10038. ​Please refer to the actual policies for terms and exclusions of coverage. Coverage may not be available in all jurisdictions.

** Personal Information Disclaimer:  Discover monitors for 8 types of personal information, which customers provide, such as SSN, driver's license, and passports.