Credit ScoreTracker

How is Credit ScoreTracker different than Identity Theft Protection?

Discover Credit ScoreTracker provides you with unlimited 24/7 online access to your Experian® credit report and score as well as valuable tools and personalized information to help you manage your credit.

Discover Identity Theft Protection provides daily monitoring of your credit report at all three credit bureaus and will alert you of key changes that may indicate fraud. As an added benefit to Discover Identity Theft Protection, you will receive your Experian® credit report and score upon enrollment to check for potential fraud.

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Why is knowing my credit score important?

Knowing your credit score is very important because:

• It may be used by lenders to determine your creditworthiness.
• Potential employers, landlords and cellular phone companies may check your credit as part of their evaluation process.
• Home and auto insurers may look at your credit when calculating their insurance plan rates or required deposit amounts.
• Higher score usually mean lower rates and faster approval on new loans.

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How soon after I enroll can I access my Experian credit report and score?

There is no waiting period to access your online credit report and score. Access is granted immediately after enrollment.

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Does Credit ScoreTracker provide credit reports for all bureaus?

Discover Credit ScoreTracker provides you with your Experian® credit report and score. You can purchase 3-bureau credit reports from the product provider for additional fee of $19.99.

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How often does my credit score get updated? And how often can I view it?

With Discover Credit ScoreTracker, you have unlimited online access to your Experian® credit report and score. Your credit score is updated twice a month.

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Will someone be available to assist me if I have a question about my credit report?

You can always call our Member Service Representatives, available toll-free at 1-888-201-1440 to answer your credit-related questions.

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Can I enroll in Credit ScoreTracker for just one month?

You can cancel Credit ScoreTracker at any time. Call 1-888-201-1440 to cancel your Credit ScoreTracker enrollment.

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Can I enroll my spouse for Credit ScoreTracker?

Discover Credit ScoreTracker is available only for primary cardmembers.

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Does checking my credit score lower my ratings?

If you request your credit score, there is no negative impact to your credit rating.

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How will I be billed for Credit ScoreTracker?

Your Discover card account will be conveniently billed monthly or annually (if you choose the annual enrollment option) for Discover Credit ScoreTracker service.

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How do I reinstate Credit ScoreTracker once I've cancelled?

If you've previously been enrolled for Credit ScoreTracker and would like to reinstate your benefits, you will need to enroll. You may enroll online or call 1-800-Discover.

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How do I cancel my Credit ScoreTracker?

You may cancel Discover Credit ScoreTracker at any time. Please call 1-888-201-1440 to cancel your Discover Credit ScoreTracker enrollment.

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