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 changes 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 Services provide 24/7 monitoring across two key areas: identity protection and credit monitoring. Through Hong Kong's unique* "Impersonation Loan Alert System," you will receive a total of 8 alerts that help you stay informed of changes to your credit report. Whenever relevant changes are detected, instant notifications will be sent via SMS and email, helping you identify unusual activity early, take prompt action, reduce the risk of identity theft, and stay on top of your credit health.
Your credit report contains important information such as personal contact details, credit enquiries, credit accounts, and repayment records. If unexpected updates, credit activities, or credit rating changes appear on your credit report, Credit Alert Services alert you and enable you to verify whether the activity was initiated by you and take timely action if necessary. This allows you to stay on top of your credit profile without the need to frequently check your credit report.
*TransUnion is the only organisation that provides Credit Alerts Service in Hong Kong currently.
-
Address Change Alert
You will be notified whenever the address information in your credit report is updated, allowing you to verify whether the change was authorised by you.
-
Phone Number Change Alert
You will receive an alert whenever the phone number recorded in your credit report is updated, helping you identify any unauthorised changes to your personal information.
-
New Credit Enquiry Alert
You will be notified whenever a lender or financial institution accesses your credit report, allowing you to identify potentially unauthorised credit applications at an early stage.
-
New Credit Account Alert
You will receive an alert whenever a new credit card, loan, or other credit account is opened in your name, helping you verify whether the account was authorised and detect suspicious activity promptly.
-
Rating Change Alert
You will be notified whenever your credit rating increases or decreases. This allows you to review your credit report, understand the reasons behind the change, and take steps to maintain or improve your credit health if needed.
-
Credit Utilisation Change Alert
You will receive an alert when there are significant changes in your overall credit utilisation, such as a sudden increase in spending or unexpected usage. This helps you monitor your credit usage and identify unusual activity early.
-
New Delinquent Account Alert #
You will be notified whenever a new delinquent account is recorded in your credit report, helping you take timely action and identify whether the activity may be related to identity theft.
-
New Public Record Alert
You will receive an alert if a new public record is added to your credit report. As public records may affect your credit rating, the alert enables you to verify the information with the relevant institution and take follow-up action where necessary. You may also provide supporting documents to TransUnion to update your credit report, where applicable.
#Includes delinquent, legal action, write-off and bankruptcy write-off accounts
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 [SY1] 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.