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May 14, 2018

The String Attached to Discover’s Free FICO Score Offer

Filed under: Finance,Internet — Edgar (aka MrConsumer) @ 6:16 am

This week in Consumer World we featured an offer from Discover to get a free copy of your genuine FICO credit score. Before you sign up, however, you may want to check their privacy policy, which might better be described as their “not much privacy” policy.


Discover privacy

First, hats off to Discover for finding an easy way to convey a complex privacy policy without pages and pages of dense text.

But that is where the good news ends. Discover clearly says that at least for a “short time” they are going to market their services to you. But they are also going to share much of your information, like name, email, and your online activity with both their own affiliates and with companies they are not affiliated with. And they are going to share your birth date and social security number with companies that service or market their products.

This all made MrConsumer a little uneasy — an unusual feeling for someone who is generally privacy insensitive.

You have to decide if the reward of a free FICO score is worth the price of your personal information being shared with others.

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  1. From the article:

    “And they are going to share your birth date and social security number with companies that service or market their products.”

    Are they going to tell you who these affiliates are? What are their privacy policies? How many times have they been breached?

    Birth date and social security is a bit much to share

    Comment by bobl — May 14, 2018 @ 9:15 am
  2. I kinda figured that all credit tracking companies already shared this information with “affiliates”. It comes with the territory of the credit market.

    I do really like how Discover condensed the privacy policy to an easy to read table. At least I won’t be confused about how much of my information they are sharing (if that table is accurate).

    Credit Karma and the are the services that I use to monitor my credit. I’m not sure why someone would go out of their way to allow even more companies to share their personal information.

    Comment by Wayne — May 14, 2018 @ 2:00 pm
  3. The column is labeled “affiliates who service or market our products”. Is it possible that refers to sharing the information with the credit bureau providing the scorecard data?

    Comment by MarcK1024 — May 18, 2018 @ 7:33 am

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