To cancel Discover Identity Theft Protection, call 1-800-347-3089 during business hours or log into the service dashboard at dashboard.discoveridentitytheftprotection.com and select the cancellation option. The service costs $15 per month per enrolled person, and the charge continues automatically until you cancel. Either method takes only a few minutes.
What to Have Ready
Pull up your Discover credit card number, since the $15 monthly fee bills directly to that account. Your most recent statement helps too. Look for a line item labeled Identity Theft Protection in the transaction summary or recurring fees section, so you know you’re canceling the right add-on rather than a different product.
If you plan to call, the representative will verify your identity first. Having the billing address tied to your account ready speeds that step along.
Canceling by Phone
Call 1-800-347-3089. Representatives are available from 7:00 a.m. to 9:00 p.m. Central Time, Monday through Saturday, and 8:00 a.m. to 8:00 p.m. Central Time on Sunday.1Discover Identity Theft Protection. Discover Identity Theft Protection – Contact Us This is not a 24/7 line, so plan your call within those windows.
Tell the agent you want to cancel your Identity Theft Protection enrollment. Before hanging up, ask for the representative’s name and a cancellation confirmation number, and write both down or take a photo of your notes. That confirmation number is your proof if a charge shows up on a later statement. If the agent offers a retention deal or asks why you’re leaving, you don’t owe a reason. “I’d like to cancel” is enough.
Canceling Online
If you’d rather skip the call, log in at dashboard.discoveridentitytheftprotection.com and look for the “cancel my account” option.2Discover Identity Theft Protection. Discover Identity Theft Protection – Privacy Policy This dashboard is a separate site from Discover’s main credit card portal, so logging into discover.com and browsing your card settings won’t get you there.
After submitting the request, save or screenshot the confirmation page. If you don’t see clear on-screen confirmation, follow up by phone at 1-800-347-3089 to make sure the cancellation processed. Five minutes verifying beats another $15 charge next month.
What Happens to Coverage and Billing
Once cancellation goes through, Discover generally keeps monitoring active until the end of the billing period you already paid for. After that date, you lose access to the monitoring dashboard, historical fraud alerts, and any web scan notifications tied to the service.3Discover. How to Help Protect Yourself From Identity Theft Before your access expires, download or screenshot any reports, alerts, or records you want to keep.
The $15 charge should disappear from your next billing statement after the paid period ends. Check that statement carefully to confirm no further charges appear.
If You Keep Getting Charged
This is where the confirmation number earns its keep. If a charge appears on your statement after cancellation should have taken effect, you can dispute it as a billing error under the Fair Credit Billing Act. Send a written dispute to the billing inquiry address on your Discover statement within 60 days of the statement date showing the charge.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors Include your name, account number, the amount you’re disputing, and your cancellation confirmation number.
Discover must acknowledge your dispute in writing within 30 days and resolve it within two billing cycles, no more than 90 days.5Federal Trade Commission. Using Credit Cards and Disputing Charges While the dispute is open, the issuer cannot try to collect the disputed amount or report it as delinquent. Send your letter by certified mail with a return receipt so you have proof of delivery. Email and phone calls do not trigger the same legal protections.
Free Protections You Keep as a Cardmember
Every open Discover card account includes Social Security number alerts that monitor the dark web for your SSN and watch your Experian credit report for new inquiries or accounts, at no extra cost.6Discover. Credit Card Benefits: Discover Card Rewards You also get a free FICO credit score updated monthly based on your TransUnion data, which you can check as often as you like without affecting your score.7Discover. Free Credit Score – FICO Credit Score Card
Beyond what Discover provides, other free tools are available to any consumer:
- Weekly credit reports from Equifax, Experian, and TransUnion through AnnualCreditReport.com. Equifax offers six additional free reports per year through 2026.8Federal Trade Commission. Free Credit Reports
- Free credit freezes at all three bureaus. A freeze blocks anyone from opening new accounts in your name.9USAGov. How to Place or Lift a Security Freeze on Your Credit Report
Between Discover’s built-in alerts and these free federal protections, you can rebuild most of what the paid product offered without the $180 annual cost.