Enhanced Credit Alerts build upon - but don't replace - any of the alerts members currently enjoy.

With Enhanced Credit Alerts, TransUnion Credit Monitoring scans your credit profile and sends you an alert whenever any of the following changes are noted:

• Account closed. One of your accounts has been closed, which means you can no longer use it to make purchases.
• Account paid off. One of your accounts has been fully paid off, which means it has a balance of zero dollars.
• Authorized user on new account. A new account has appeared on your credit report, and it lists you as an authorized user.
• Lost or stolen credit card. One of your credit cards has been reported lost or stolen.
• Credit score decrease. Your VantageScore® 3.0 credit score has decreased by 10 or more points.
• Credit score increase. Your VantageScore® 3.0 credit score has increased by 10 or more points.
• Bank card over limit. The balance of one of your bank cards is over its limit. Keep in mind that recent payments can take up to two weeks to show on your credit report.
• Retail card over limit. The balance of one of your retail credit cards is over its limit. Keep in mind that recent payments can take up to two weeks to show on your credit report.
• Account charged off. One of your delinquent accounts has been charged off. This means the lender has closed the account and may send it to collections.
• New non-medical account in collections. One of your non-medical accounts is now in collections.
• Collections balance decrease. The total balance of your accounts in collections has decreased. Please note “total balance” includes balances for any medical accounts you may have in collections.
• Collections balance increase. The total balance of your accounts in collections, including medical accounts, has increased. Please note “total balance” includes balances for any medical accounts you may have in collections.
• Collection account paid off. One of your accounts that was in collections has been fully paid off. Collections that are paid stay on your credit report for up to seven years.
• New foreclosure. An account on your credit report has been reported as a new foreclosure. Foreclosures can stay on your credit report for up to seven years.