TransUnion Credit Alert
Credit Alert is a guardian who watches key items on your credit report and notifies you whenever there is critical change to your accounts.
TransUnion Credit Alert Service is your personal “guardian”, monitoring key information in your credit report 24/7, building a comprehensive shield to protect your credit information. Even if you choose to “take it easy”, TransUnion will send you alerts accordingly, monitor your credit healthiness on your behalf.
When critical changes (such as changes in your address & phone number) are detected in your credit report, TransUnion immediately alerts you so you can take prompt action through our Credit Alerts. Adding Credit Alert Plus, which monitors at an even broader scope, enhances protection, helping reduce identity fraud risks and empowering you to monitor your credit health.
Identity fraud often goes unnoticed for some time — with victims only becoming aware after they’ve lost money. TransUnion Credit Alert sends prompt alerts via SMS and email to better prevent identity fraud. Unauthorized changes of personal information hint at potential fraud. Being notified of any changes in your credit report is a great way to monitor potential fraud.
Fraud can strike at any time, but as long as you’re quickly informed of critical changes in your credit report* and take fast action, you can help avoid further damage, minimize losses and safeguard your credit and financial reputation.
*Critical changes include:
- New inquiry records in your credit report
- New credit accounts under your name
- Address changes
- Phone number changes
Credit Alert Plus monitors the key factors that affect your credit score 24/7. If there are significant changes, you’ll receive an alert, helping you stay informed about your credit health without checking your credit report every day.
At the same time, these new alerts serve as an additional line of defence against identity theft. They help detect early signs of identity fraud, enabling you to take timely action and reduce potential losses.
Credit Alert Plus include:
-
Rating Change Alert
You’ll receive an alert when your credit rating changes. You can then check your credit report to confirm activities and take action to maintain a good rating.
-
Credit Utilisation Change Alert
When there is a significant change in your credit utilisation, you will receive a notification reminding you that the change in credit utilisation may impact your credit score. Sudden changes in credit utilisation could also indicate unauthorized spending due to stolen credit card or personal information. Upon receiving such alerts, you should verify your account details promptly to prevent identity or credit card misuse.
-
New Delinquent Alert #
You can easily get lost in the mountain of bank communications (statements, messages, promotions, etc.) and miss something. The ‘New delinquency alert’ in Credit Alert Plus provides an extra layer of reminder. Even overdue payments caused by non-spending reasons, such as relocation, failure to update contact information, or unpaid credit card annual fees, can be flagged so you can handle them promptly! More importantly, it also helps you stay vigilant by confirming whether the overdue payment is due to identity theft. This dual protection monitors your credit status while safeguarding your identity.
#Includes delinquent, legal action, write-off and bankruptcy write-off accounts
-
New Public Record Alert
This alert prompts you when a public record has been added to your credit report. You can verify it with the relevant institutions if you have any doubts. In addition, you may provide proof to us so we can update your credit report accordingly.
TransUnion Credit Alert Service and Credit Alert Plus monitor both personal information changes and credit rating-related changes. Activating both helps protect your identity, reduce losses from identity fraud and raise awareness of credit rating management.
-
According to TransUnion’s Omnichannel Fraud Report 2025, 6.2% of all digital transactions originating from Hong Kong in 2024 were suspected fraudulent 1— 15% higher than the global average of 5.4%.
-
TransUnion currently provides Credit Alerts via SMS and email. Take a few minutes to subscribe and activate both services to strengthen your identity protection. Safeguard your financial health with TransUnion today!
Registered users can log in via the web or mobile app to view recent credit alerts.
1The fraudulent digital transaction rate refers to the proportion of transactions identified by TransUnion clients as:
1. Rejected due to fraud indicators 2. Rejected due to violation of company policy 3. Confirmed as fraud after client review 4. Confirmed as policy violation after client review
This rate is calculated against all assessed transactions. Each country’s/region’s analysis is based on transactions conducted by consumers or suspected fraudsters in that location. Global statistics cover all surveyed countries and regions.