There is no free lunch. Following are the term and conditions and card policies.
Discover® Identity Alerts Terms and Conditions
Discover card privacy policies
For the card services, it is up to you to decide whether you want to surrender your card privacy to the bank-affiliated third party.
While for the identity theft alert services, I will compare it to ...
Yes. Not only that, they are saving you money!
Landlords have a right to see your credit to evaluate you as a potential tenant. The normal way is for the landlord to charge you $20, $30 or $50 to run your credit.
A gracious landlord will let you bring a copy of your credit report. This is a leap of faith, and you should be grateful for it.
The other ...
I wonder if this is comparable to a bank doing a soft inquiry to prequalify a customer. In this case if the customer decides to go with the the "pre-qualified offer and submits an application a credit report would be pulled directly from a cra.
Assuming everyone is on the up and up I can see the benefit to this. Unfortunately the reason why landlords pull ...
Depends on the country, the card issuer can
impose discriminate interest rates
Reject the application if it deems too risky.
If you afraid card issuance bank attempt to push you their junk financial products, just fill up the application carefully and opt-out all those "product recommendation" checkboxes.
There are no privacy concerns for you as the information you're asked to submit is exactly the same as they could get from CreditKarma.com. It's not illegal for you to transmit your credit report to whoever you like, after all, it's your personal data.
There is a problem for the landlord who have to trust the report you give them, instead of getting one ...
It used to be that American Express in particular did not ask for your income, only a statement that it exceeded "x". In days gone by people were uncomfortable even giving the bank their birth date and it was considered rude to ask.
Times have changed, but income is a "forward looking statement", and you should feel quite comfortable" rounding it down.
Normally though, they ask for permission to run a credit report, or just straight up ask what my credit is; but, in this instance they've asked me to supply the credit report
And then you asked,
is it normal for realtors/landlords to ask for for the prospective lessee to provide their credit report?
No, it is not normal. Further, and ...
Is it normal for realtors/landlords to ask for for the prospective
lessee to provide their credit report?
Not normal, but should be. This approach saves money (these costs are already baked into rent or application fees, so hopefully this saves you money) and it also prevents inquiries which are not a big deal but do have a small impact on credit score (...