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Alerts Tutorial - FICO® Quarterly Monitoring

FICO® Quarterly Monitoring

FICO® Quarterly Monitoring tracks your TransUnion credit report and more than 400 other data sources for signs of identity theft. Also includes identity theft insurance coverage up to $25,000 and identity theft resolution assistance should you become a victim.

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What are ID theft alerts?

Think of alerts as your ID theft credit alarms. They work like red flags to warn you of potential ID theft, and they keep you informed about what's going on with your credit at all times. Anytime new information appears under your name, we post the details on your alerts page. Then, we send you an ID theft alert E-mail, so you can immediately check the new activity for ID theft.

What does a typical ID theft alert look like?

No two alerts look alike. Each alert shows you different detailed information that you need to know about that particular category. To give you an idea of what an alert looks like, here’s an example of an alert that shows you if any new accounts have been opened under your name.



The new label signals that this activity just occurred in the last three months.

The details section gives you specific information you need to know, like an account name and number.

The more info link shows you any other available information about the listing posted.



What should you expect to see?

The first time you go to the alerts page, you might not see activity yet. This is perfectly normal. We'll post alerts here as soon as any new information appears under your identity.

It’s important to understand that you may never see anything posted here. And, that’s okay too. It just means new information hasn’t been detected on your identity. If we haven’t found any new data, the message “no recent activity on file” should appear.

Over time, if an alert posts, stay calm. It doesn’t mean you’re automatically a victim of ID theft. Maybe you just got married and changed your name. Or, maybe you applied for a new credit card recently. Check over the information carefully and if you don’t recognize something, report it immediately.



What do alerts help you watch for?

FICO® score changes Find out if your score has gone up or down, and read about the reasons why
Identity changes Know if different names, birth dates or Social Security Numbers appear under your identity
Address and phone number changes Find out if new addresses or phone numbers are detected
New accounts See if any new accounts have opened under your name
New credit inquiries See how many times you or an ID thief has applied for credit in the last few months
Balance increases Check for any unexpected increases to your account balances
Problem accounts Make sure your accounts aren’t suddenly in poor standing
New negative public records Watch for any negative items, like bankruptcy or tax liens, showing up on your credit
New debt collections Know if any of your accounts have been reported to a collection agency


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