Compare Discover Identity Theft Protection to LifeLock

Only for Cardmembers

Comparison Table

Discover

Identity Theft Protection

LifeLock1

Ultimate Plus

LifeLock1

Advantage

Monthly Cost Monthly Cost for Discover Identity Theft Protection$15/mo Monthly Cost for LifeLock Ultimate Plus$29.99 mo.
for the 1st year

Then $34.99/mo.
Monthly Cost for LifeLock Advantage$19.99 mo.
for the 1st year

Then $22.99/mo.
SubheadingDetect
3 Bureau Credit Alerts – when key changes2 are reported to your credit file Available for Discover Identity Theft Protection Available for LifeLock Ultimate Plus Unavailable for LifeLock Advantage
Bank Account Alerts – if a bank account in your name opens or updates at any one of thousands of financial institutions we monitor every day Available for Discover Identity Theft Protection Available for LifeLock Ultimate Plus Unavailable for LifeLock Advantage
Social Security Number Identity Alerts – if your SSN is used to create a new identity at Experian® Available for Discover Identity Theft Protection Available for LifeLock Ultimate Plus Available for LifeLock Advantage
Risky Website Alerts – when we find your SSN or any other info you provide on any one of thousands of risky websites we monitor for illegally sharing personal data Available for Discover Identity Theft Protection Available for LifeLock Ultimate Plus Available for LifeLock Advantage
Credit Balance, Limit, Utilization Alerts – when significant changes3 are reported to Experian® Available for Discover Identity Theft Protection Unavailable for LifeLock Ultimate Plus Unavailable for LifeLock Advantage
Identity Verification Alerts – when someone answers Experian® verification questions4 to access or create an account in your name Available for Discover Identity Theft Protection Unavailable for LifeLock Ultimate Plus Unavailable for LifeLock Advantage
Pay Day Loan Alerts – for accounts that open in your name from 23 of the top 25 pay day lenders Available for Discover Identity Theft Protection Available for LifeLock Ultimate Plus Available for LifeLock Advantage
Address Change Alerts – when your info appears in the monthly update to the National Change of Address database Available for Discover Identity Theft Protection Available for LifeLock Ultimate Plus Available for LifeLock Advantage
Criminal Court Alerts – when your name appears in a federal, state, or municipal record that we monitor for criminal arrest, court booking and more Available for Discover Identity Theft Protection Available for LifeLock Ultimate Plus Available for LifeLock Advantage
SubheadingNotify
All alerts delivered by email or text Available for Discover Identity Theft Protection Available for LifeLock Ultimate Plus Available for LifeLock Advantage
Monthly 3 Bureau Credit Activity Summary Available for Discover Identity Theft Protection Available for LifeLock Ultimate Plus Available for LifeLock Advantage
Digital Dashboard Access – for full alert details for the life of your membership Available for Discover Identity Theft Protection Available for LifeLock Ultimate Plus Available for LifeLock Advantage
SubheadingResolve
$1MM Identity Theft Insurance – for legal expenses, reimbursement of stolen funds, lost wages and more covered expenses5 Available for Discover Identity Theft Protection Available for LifeLock Ultimate Plus Available for LifeLock Advantage
100% U.S.-Based Fraud Resolution Specialists Available for Discover Identity Theft Protection Available for LifeLock Ultimate Plus Available for LifeLock Advantage

This product can only be purchased by, and is intended for, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. Discover Identity Theft Protection is only available online and the Primary cardmember must agree online to purchase it. This product is optional and voluntary. Full Terms and Conditionsopens modal dialog

Chart comparisons conducted by an independent research firm and based on competitor info compiled in August 2019.

1Compared provider may offer additional products or alerts

2Key changes include: New accounts, credit inquiries, address changes, potentially negative information such as delinquencies, and public records

3Alerts for credit balance changes greater than $5000, credit limit changes greater than $100, or credit utilization changes greater than 30% reported to Experian®

4Experian® PreciseIDSM is a tool that companies use for identity authentication/validation. It is not used by all lenders or companies

5Identity 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, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Frequently Asked Questions

Discover Identity Theft Protection monitors your credit report daily to alert you of key changes.

Your Discover Identity Theft Protection membership also monitors thousands of risky websites for your Social Security number and other personal information that you provide us to track, such as email address or phone number.

We will also alert you monthly of address changes made in your name at the U.S. Postal Service.

*Please check your membership terms for more information about the key changes and which of your credit reports are being monitored. Terms and Conditions

Your Discover Identity Theft Protection membership, includes up to $1MM of Identity Theft Insurance, which may cover certain out of pocket expenses you have incurred as a result of identity theft. For more information, please call 1-800-347-3995.

*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, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

If you receive an alert and don't recognize the activity, call Discover Identity Theft Protection directly at 1-888-829-6558 from 7:00 am to 9:00 pm CT Monday through Saturday, and 8:00 am to 8:00 pm CT Sunday.

With Fraud Resolution you can talk to a specialist for expert help with resolving identity theft, including but not limited to removing fraudulent activity on your credit report.

No, the credit monitoring will not negatively impact your credit report or your credit score.