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Dark Web Monitoring Services Credit Alert

One Service. Eight Alerts.

Total Peace of Mind.

One Service.

Eight Alerts.

Total Peace of Mind.

Monitor Your Credit Security and Guard Against Identity Theft - Hong Kong’s Unique “Impersonation Loan Alert System” *

As digital fraud becomes increasingly prevalent, monitoring your credit and protecting yourself against identity theft should become part of your everyday routine.

TransUnion Credit Alert
Minimise loss from identity theft
TransUnion
Credit Alert
Minimise loss from
identity theft

TransUnion’s “Credit Alert Service” will notify you of any critical changes* to your credit report, to prevent fraudsters from using your personal information further and minimise losses.

Critical changes include:
Address Change Alert
Phone Number Change Alert
New Credit Inquiry Alert
New Credit Account Alert
Rating Change Alert
Credit Utilisation Change Alert
New Delinquent Account Alert
New Public Record Alert
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Fraudsters Are Everywhere.
Could You Become a Victim
Without Even Knowing It?
Fraudsters Are
Everywhere.
Could You Become
a Victim Without
Even Knowing It?
Online fraud can happen anytime, anywhere. When fraudsters have your identity information, they don't need your passwords or your authorisation to steal your money and damage your credit score.

A TV report featured a victim who lost her Hong Kong Identity Card three years ago. She only discovered that multiple loans had been fraudulently taken out in her name, accumulating debts of HK$2.5 million, after receiving a debt collection notice and checking her credit report.

Your personal information deserves 24 x 7 protection. TransUnion Credit Alert Service is built around an alert-based monitoring system. Whenever important changes appear on your credit report, you will receive instant SMS and email notifications — acting like your personal “Impersonation Loan Alert System.”
Don't wait until you are being chased for money to regret!
Protect yourself with the TransUnion exclusive "Impersonation Loan Alert System". If anyone tries to open a credit account or apply for loans in your name, we will alert you instantly.
TransUnion Credit Alert Service helps
protect your credit security 24×7
and reduces the risk of identity theft.
TransUnion Credit Alert
Service helps
protect your credit
security 24×7
and reduces the risk of
identity theft.
How Does TransUnion's
Exclusive "Impersonation Loan
Alert System" * Work?
How Does
TransUnion's
Exclusive
"Impersonation
Loan Alert System" *
Work?
Triple Warning Signs to Help You Stay Vigilant
To borrow in your name, fraudsters must first open a credit account. TransUnion’s Credit Monitoring Service tracks this from the very first step, triggering alerts the moment suspicious activity occurs!
Warning Sign 1:
Address AND/OR Phone Change Alert
When fraudsters attempt to open a credit account using your identity, they are typically required to provide an address and phone number. As they often do not have access to your genuine contact information, or wish to avoid detection, they frequently use false details. If a new address and/or phone number is added or updated in your credit records, TransUnion will send you an Address and/or Telephone Change Alert to notify you of the change.
Warning Sign 2:
Credit Enquiry Alert
If a fraudster manages to get past the initial application stage and proceeds with a loan or credit application, the lender will typically check the applicant's credit report. At that moment, TransUnion will notify you of the credit enquiry.
Warning Sign 3:
New Credit Account Alert
Even if a fraudster is experienced and bypasses initial checks of “Credit Enquiry Alert”, they can’t hide for long. All new credit accounts must be uploaded to the Credit Reference Platform (CRP). If a new credit account is opened in your name, TransUnion Credit Alert will notify you.
Identity theft happens in a flash. Don't let your personal identity become a fraudster’s ATM!
On top of the above alerts, TransUnion offers four additional alerts to help safeguard your credit health. Learn more now
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Act Now: Monitor Your
Credit Security and Guard
Against Identity Theft
Act Now:
Monitor Your
Credit Security
and Guard
Against
Identity Theft
Identity theft is rarely a single event. It is often a chain reaction — from altered personal details and credit inquiries to newly opened accounts and repayment abnormalities.
The earlier you are alerted to any one of these changes, the earlier you can take action — contacting the relevant institutions promptly, containing the risk at its source, and minimising potential loss.
Monitor your credit and make sure identity theft
never catches you by surprise
Monitor your credit and
make sure identity theft
never catches you
by surprise
Act NOW to protect your personal
identity with TransUnion!
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Existing users Log in now Next

Transunion’s credit scoring takes into account a comprehensive set of credit and public record data to ensure that consumers are reliably and fairly represented with statistic support, while helping financial institutions manage risk appropriately. Financial institutions’ risk appetites may vary, and credit scores are among many factors that lenders take into account when it comes to extending credit. Transunion’s proprietary scoring algorithms, containing dozens of data attributes, is an analysis built upon decades of market experience, industry insights and expertise in Hong Kong and around the globe. The credit-related behaviours it analyses can trigger multiple attributes that affect a person’s credit score, subject to different situations. While building credit health is always attainable, it generally takes time and consistent healthy credit habits to see an improvement.

The screens and information displayed are for illustration purposes only.

Please refer to the TransUnionHK App for actual screens.

*TransUnion is the only organisation that provides Credit Alerts Service in Hong Kong currently.