What credit data is monitored?

Monitored credit report data categories by credit bureau are listed below (not all data is reported or monitored).

Experian

Newly opened credit account
Inquiries from applications for new credit
Newly listed public record (bankruptcy)
New addresses
Newly listed collection accounts
Balance change ($1 or greater)
Change in credit limits ($100 or greater)
Change in credit account status
Change to public record and collection account
Fraud alert placed on file
High revolving account utilization (greater than 75%)

Equifax

Newly opened credit account
Inquiries from applications for new credit
Newly listed public record (bankruptcy)
New addresses
Newly listed collection accounts
Balance change ($1 or greater)
Change in credit account status
Change to public record and collection account
Change to the name listed on your credit report

TransUnion

Newly opened credit account
Inquiries from applications for new credit
Newly listed public record (bankruptcy)
New addresses
Newly listed collection accounts
Balance change ($1 or greater of account type)
Change in credit limits (aggregated by account type)
Change in credit account status (aggregated by account type)
Change to public record and collection account
Fraud alert placed on file
New employment listed on your credit report

IMPORTANT INFORMATION:

Credit Report Monitoring and Alerts

The categories of monitored credit report data are listed above. Not all data related to these categories or your credit report is reported or monitored. Credit report data change alerts are available only for monitored credit report data, and may only be available if your credit report contains the minimum information required to calculate FICO Scores. Monitored credit report data, monitored credit report data change alerts, and alert triggers, timing, and frequencies vary by credit bureau (Experian, Equifax, and TransUnion). Monitored credit report data is monitored once per day, and a credit report data change alert is provided for a detected change in monitored credit report data (excluding Sunday for TransUnion). myFICO does not control credit report data, which is reported by lenders and other companies to credit bureaus. There may be delay between the time of enrollment and the time credit report monitoring or a credit report data change alert is available, between an occurrence of a credit event (such as a balance change, account opening or change, collection activity, or newly listed public record) and the time credit report data is reported, and between the time credit report data is reported and detection of a change to monitored credit report data. Credit monitoring and alerts in certain locations, including locations outside of the United States, the District of Columbia and US Territories, may be limited or not available at all.

Updated FICO Scores, FICO Score Monitoring and Alerts

A FICO Score 8 is available, along with additional FICO Score versions, for each credit bureau selected at the time you obtain a new credit report. In addition, an updated FICO Score 8 is available at the time you receive a credit report data change alert for monitored credit report data (as described above), and at the time you receive a FICO Score change alert (TransUnion or Equifax only). Updated FICO Scores and FICO Score alerts are only available if your credit report contains the minimum information required to calculate FICO Scores. FICO Score updates, monitoring, alerts, and alert triggers, timing, and frequencies vary by credit bureau. There may be delay between the time of enrollment and the time an updated FICO Score, monitoring, or a FICO Score alert is available. For TransUnion, FICO Score 8 changes are monitored once per day, and a score change alert is provided for a detected FICO Score 8 change only at the time you receive a credit report data change alert for monitored TransUnion credit report data (excluding Sunday). For Equifax, FICO Score 8 changes are monitored only if you have not received a FICO Score update in the prior 7 days, and a score change alert is provided for a detected FICO Score 8 change. No other FICO Score monitoring is available. FICO Score alerts are only available for FICO Score 8. FICO Score updates, monitoring and alerts in certain locations, including locations outside of the United States, the District of Columbia and US Territories, may be limited or not available at all.