Lost Your Hong Kong Identity Card? Activate “Impersonation Loan Alert System” Now to Protect Yourself

Identity theft can lead to loans being taken out in your name without your knowledge, potentially leaving you with substantial debt. Past cases have shown that some individuals only discovered fraudulent borrowing amounting to several million Hong Kong dollars years after losing their identity card.

If you have unfortunately lose your HKID card, your personal information may be misused to apply for loans or credit cards. Such activities are typically reflected in your credit report, including new credit enquiries, new credit accounts, or changes to your address or phone number.

By reviewing your credit report and subscribing to Credit Alert Service, you can better understand your current credit status and detect any unauthorised or unusual changes early, enabling you to take timely follow-up action.

Don’t wait until it’s too late — prevention is always better than cure.

What to Watch For After Losing Your HKID Card

Your credit report may show the following suspicious activities:

• Unusual changes to your address or phone number
• Unauthorised credit enquiries
• Newly opened credit accounts

Regular credit monitoring helps you stay informed, detect potential fraud early, and take timely action.

TransUnion offers a one-off free credit report for individuals who have lost their Hong Kong Identity Card, allowing individuals to review their latest credit information and better understand their credit health.

Eligibility

• Available to individuals who have lost their Hong Kong Identity Card within the past 30 days*

How to Apply

Applicants must complete the following within 30 days of losing their HKID card:

1. Make an online appointment
2. Visit TransUnion Customer Services Center in person with the following documents:
   • Proof of loss of HKID (e.g. temporary identity document)
   • Valid Hong Kong SAR passport
   • Confirmation of application for Hong Kong Permanent Identity Card
   • Original proof of residential address issued within the past 3 months (e.g. rates demand note, water bill, electricity bill, gas bill, or credit card statement)

Benefits of Checking Your Credit Report

Reviewing your credit report helps you:

• Identify unauthorised credit enquiries or account openings
• Detect unusual changes to your address or phone number
• Identify potential identity theft risks early and follow up with relevant institutions where necessary

A one-off credit report helps you understand your current credit status. For ongoing monitoring of key changes in your credit report, consider TransUnion’s Credit Alert Service.

When specified changes occur (such as new credit accounts or updates to your phone / address), you will receive notifications via SMS or email, helping you stay informed in real time.

When someone applies for a loan or credit card, new credit enquiries or account records may appear in your credit report. If such activity was not initiated by you, Credit Alert Service enables you to detect it early and manage the situation proactively.

*Remarks

• Each applicant may obtain a free credit report under this arrangement once per year only
• This arrangement includes a one-off free credit report only and does not cover other TransUnion services, such as Credit Alert Service, Debt Analysis, Score Calculator, etc.)
• The credit report obtained through this arrangement will not be available in your TransUnion online account
• The free credit report is non-transferable and for the applicant’s use only