Is Discover Identity Theft Protection Worth It? A Review
Identity theft is a growing concern in today’s digital age. With increasing instances of data breaches, phishing attacks, and scams, individuals are seeking effective ways to protect themselves against identity thieves. Discover’s identity theft protection is a popular option in the market. But the question remains, is Discover identity theft protection worth it?
Understanding Discover Identity Theft Protection
Discover Identity Theft Protection, also known as Credit Karma Identity Arsenal, is an identity protection service offered by Discover that provides a suite of tools to help you protect your credit and personal information. It’s a multi-layered protection service that includes credit monitoring, identity restoration, and resolution services, as well as cybersecurity measures to shield your devices from malware and other online threats.
What Does Discover Identity Theft Protection Offer?
Here’s a breakdown of what’s included in Discover’s Identity Theft Protection package:
Credit Monitoring:
• Tri- Bureau credit monitoring: monitoring of Equifax, Experian, and TransUnion credit reports
• Instant alerts: receive notifications on changes to your credit reports
• Credit scores: access to your Equifax, Experian, and TransUnion credit scores
Identity Restoration:
• Case management: personal assistance and guidance in the event of identity theft
• Identity restoration kits: physical kits with a letterhead and a case number
• Id theft assistance: expert support to resolve identity theft incidents
Cybersecurity Measures:
• Antivirus software: scans your computer and mobile devices for malware and viruses
• Firewall: protects your devices from online threats and unauthorized access
Identity Theft Protection Review
Reviews from customers who have used Discover’s identity theft protection service have been generally positive. Many customers have reported feeling more confident and secure with their credit and personal information thanks to the comprehensive protection provided by the service.
On the other hand, some customers have expressed dissatisfaction with certain aspects of the service, such as:
- Technical issues: some users have reported problems with accessing their credit monitoring reports or contacting customer support.
- Complexity: a few customers have found the service to be hard to navigate or required too much input from users.
Compare Discover Identity Theft Protection with Other Options
Here’s a comparison with other popular identity theft protection services:
| Service | Monitoring | Credit Score | Resolution Assistance | Cybersecurity |
|---|---|---|---|---|
| Discover Identity Theft Protection | Yes | Yes | Yes | Yes |
| Credit Karma Identity+ | Yes | No | Yes | No |
| LifeLock Identity Alert | No | No | Yes | Yes |
Pricing
- Discover Identity Theft Protection: free to Discover customers, $119.89/year for non-Discover customers
- Credit Karma Identity+: $3/month ($36/year) or free with other Credit Karma products
- LifeLock Identity Alert: $10.99-$29.99/month depending on the level of coverage
Verdict
Is Discover identity theft protection worth it? In conclusion, if you value comprehensive identity theft protection, including credit monitoring, identity restoration, and cybersecurity measures, Discover Identity Theft Protection might be the right choice for you.
Key Advantages:
- All-in-one service: combines credit monitoring, identity restoration, and cybersecurity measures
- Comprehensive case management: professional assistance to resolve identity theft incidents
Key Limitations:
- Not free to non-Discover customers, although a subscription fee might be justified given the quality of the service
- Some customers may find the service complicated or experience technical issues
Alternative Options
If you’re not committed to using a specific brand or don’t want to pay a premium for your identity theft protection, other options like Credit Karma Identity+ or LifeLock Identity Alert might be a better fit for your budget and needs.
