TransUnion Credit Alert is a guardian who watches key items on your credit report and notifies you whenever there is critical change (e.g. new account opening) to your accounts for reducing the risk of identity theft and providing all-weather protection.

4 Types of Credit Alerts to Avoid Misuse of Your Identity

In general, victims of identity theft often don’t realize it until they have suffered financial losses. TransUnion Credit Alert, via SMS and/or Email notifications, is an effective tool to prevent fraudsters to misuse your identity. Although it won’t keep you away from being the target, but when the alert notifies you that there is change* on your credit report, this could be a fraudulent activity. This will help cut identity thieves off at the pass to minimize losses and keep your finances secure.

*Critical changes include:

1. New enquiry made to your credit report; or
2. New credit accounts being opened under your name; or
3. Address changed; or
4. Phone number changed

Having the alert function fully activated offers protection to your personal identity. While cybercrime has been soaring with constantly changing scam techniques, identity theft is the most damaging one that may lead to immeasurable losses. Fraudsters could use your identity to apply for credit cards, car loans, or even open loan accounts under your name. Most victims don’t even know they are victims until they review their credit reports or being asked to repay the loans, by then it’ll be too late, and TransUnion Credit Alert is here to plug this loophole. 

According to the TransUnion’s Update to the State of Omnichannel Fraud Report in H1 2025, 6.2% of all attempted digital transactions where the consumer was in Hong Kong were suspected to be digital fraud1 in 2024, 15% higher than the global rate of 5.4%. TransUnion Credit Alert includes SMS and e-mail alerts. To take a step in maintaining your financial health, you can now sign up for our Credit Monitoring Service, to protect your identity.  Register now to safeguard your finances with TransUnion.

Registered member can check their recent credit alert notification in both desktop dashboard and in our mobile app.

^{1 The rate or percentage of suspected digital fraud attempts reflects those which TransUnion customers determined to meet one of the following conditions: 1) denial in real time due to fraudulent indicators, 2) denial in real time for corporate policy violations, 3) fraudulent upon customer investigation, or 4) a corporate policy violation upon customer investigation — compared to all transactions assessed. The country and regional analyses examined transactions in which the consumer or suspected fraudster was located in a select country or region when conducting a transaction. Global statistics represent every country worldwide and not just the select countries and regions.}