Be sure to visit www.annualcreditreport.com opens in a new tab to get a free copy of your credit report every 12 months from each credit reporting company. And of course, closely monitor all your accounts for fraud. Your Discover card has a $0 Fraud Liability Guarantee, so you're never held responsible for unauthorized purchases on your Discover card account. We monitor every purchase, every day and alert you of any suspicious transactions by email, text or phone call. If you become the victim of identity theft, consult helpful resources like www.identitytheft.gov.

See how the free alerts from Discover could help you protect your identity if you're the victim of a data breach, or if you're simply concerned about one.

• Activate your free alerts from Discover at www.xiaw2.com/freealerts if you haven't already. We'll alert you if we find your Social Security number on any of thousands of Dark Web sites. And we'll alert you when new car loans, mortgages, credit cards or other accounts show up on your Experian® credit report.
• The free alerts from Discover are backed by 100% U.S.-based fraud resolution experts who can even help you place a fraud alert on your credit files with all three major credit bureaus.

Be sure to activate your free alerts from Discover at www.xiaw2.com/freealerts if you haven't already.

You'll get a free alert when we find your Social Security number on any of thousands of Dark Web sites. Not all stolen information from a data breach ends up on these Dark Web sites. If they do, you'll receive an alert.

You'll also get a free alert when there are new car loans, mortgages, credit cards or other accounts on your Experian® credit report. Keep in mind that it takes time, sometimes several weeks, for a lender to report a new account to Experian. When they do, you'll receive an alert.

Stolen personal information may be sold on websites located on a hidden part of the Internet (sometimes referred to as the "dark web"). The "dark web" is a term that refers specifically to a collection of websites that exist on an encrypted portion of the World Wide Web and cannot be found by using traditional search engines or visited by using traditional browsers. These websites are typically used to provide anonymity for criminals and dissidents, contraband for sale and access to taboo information.

We monitor thousands of sites on the Dark Web – a hidden area of the Internet where stolen Social Security numbers can be traded or sold for the purposes of identity theft and fraud. This process is also called internet scanning or internet surveillance. If we find your Social Security number, we'll send you an alert and help you take action.

We also monitor your Experian® credit report and notify you whenever any new credit account is reported to your Experian® credit file, even if it's not a Discover account. In most cases, you will probably recognize it as an account you opened. However, if you don't recognize the account, we'll let you know what steps you need to take to close the account, inform the credit bureaus and reduce your risk of future fraudulent activity.

There is no requirement for creditors to report new accounts to Experian within a given time period, so it could take several weeks before the opened account appears on your Experian credit report. We monitor your report at Experian every day to alert you once the account appears on your credit report. Additionally, not all companies report to all 3 major credit bureaus.

When a new account is reported on your Experian credit report or your Social Security number is found on a Dark Web site that we monitor, we will send you an alert via email (and text message if you have opted-in).