TransUnion Credit Alert
Credit Alert Service acts as your “guardian,” continuously monitoring key items in your credit report. It provides 8 types of alerts — including rating changes, credit utilisation changes, new delinquent account, new public record, new credit enquiries, newly opened credit accounts and updates to your address or phone number — helping you maintain good credit health while enabling early detection of potential identity theft.
Fraudulent borrowing in your name may not be immediately noticeable — but changes in your credit report often leave signals.
Whenever updates occur, you will receive instant SMS and email notifications — no matter where you are — allowing you to identify risks early, stay alert to unusual activity, and take timely action.
TransUnion’s Credit Alert Service acts as your personal “guardian,” providing round-the-clock monitoring of key credit report activities and building a strong layer of protection for your credit health.
Even if you prefer a hands-off approach, you can effortlessly stay on top of credit changes through our alerts — making it easy to track your credit profile at all times.
Credit Alert Service provides alerts across two key areas — identity security and credit monitoring — with a total of 8 alerts. These cover changes such as changes to your address, new credit enquiries, and newly opened accounts, forming Hong Kong’s unique "Impersonation Loan Alert System."
When relevant changes occur, notifications are sent via SMS and email, helping you stay informed and reduce the risk of identity theft.
Your credit report records personal details such as your address, phone number, and credit enquiry history. If unexpected updates occur — such as sudden changes to your contact information or unfamiliar credit enquiries — alerts enable you to verify promptly whether these activities were initiated by you.
*Critical changes include:
- New inquiry records in your credit report
- New credit accounts under your name
- Address changes
- Phone number changes
Credit Alert Plus provides 24/7 monitoring of key factors that impact your credit score. In addition to the original 4 alert types, Credit Alert Plus includes 4 additional key indicators, giving you a more comprehensive protection on your credit health.
When notable changes occur, you will receive alerts instantly so you can stay on top of your credit health without the need to frequently check your credit report. These alerts also serve as an additional layer of identity protection — helping you detect potential risks early and take timely action.
Credit Alert Plus includes:
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Rating Change Alert
You will be notified whenever your credit rating increases or decreases. You can review your credit report to understand the reasons behind the change and adjust your financial planning as needed. If your score is below expectation, you can take timely steps to improve your credit habits and maintain a healthy profile.
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Credit Utilisation Change Alert
You will receive alerts when there are significant changes in your credit utilisation — for example, a sudden increase in spending or unexpected usage.
TransUnion calculates credit utilisation based on your overall available credit across all accounts, providing a comprehensive view of your actual credit exposure rather than a single account perspective.
Unexpected changes may indicate unauthorised transactions. Early alerts help you stay aware of your overall credit usage and verify transactions promptly to guard against potential misuse of your identity or credit cards.
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New Delinquent Account Alert #
With the high volume of bank communications — including statements, notifications, and promotional messages — it’s easy to overlook important information.
The overdue payment alert under Credit Alert Plus serves as an additional reminder. Even if overdue records arise due to circumstances such as relocation, outdated contact details, or non-spending items such as annual fees, the system will notify you to take timely action.
These alerts also help you stay vigilant by identifying whether overdue payments may be linked to identity theft.
#Includes delinquent, legal action, write-off and bankruptcy write-off accounts
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New Public Record Alert
If a new public record appears in your credit report, you will be notified. Such records may affect your credit score. If you have concerns, you may verify the information with the relevant institutions. You may also provide supporting documents to TransUnion to update your credit report where applicable.
Fraud tactics continue to evolve, and relying on a single protective measure may not be sufficient. Effective identity protection requires multiple layers of monitoring.
TransUnion’s Credit Alert Service provides 24 hours? ongoing and comprehensive monitoring through 8 types of alerts related to personal information and credit activities. When specified changes occur, you will receive notifications — without needing to frequently check your credit report, while detecting issues early. This helps minimise potential losses from identity theft while supporting your overall credit health. Activate TransUnion Credit Alert Services now to add an extra layer of protection to your identity and credit health.