Capital One Credit Alert

By: Capital One Credit Alert  09-12-2011
Keywords: Credit Management, Credit Information, Fraudulent Activity

Credit Alert is a comprehensive suite of tools that help you proactively monitor, manage and protect your valuable credit and identity information. This comprehensive service helps you detect and respond quickly to fraudulent activity. With our dynamic credit management resources and tools, you will have the tools and information to make better financial and credit decisions.

Your Credit Score provides a snapshot of your current credit-worthiness based on an evaluation of common factors that many creditors use to decide whether or not to extend credit. It outlines both the positive and negative factors that impact your score and compares your score to the national average so you know how you are doing and what you need to do to improve your score.

Credit card fraud costs consumers over $2.5 billion annually. Credit Monitoring and Alerts with Notify ExpressTM is a fast, convenient way to keep track of your credit information and detect the early signs of fraudulent activity before they ruin more than your bank account. It helps you to stay informed and act quickly if potentially fraudulent activity appears.

How Credit Monitoring and Alerts help protect your credit file from fraudulent activity

  1. Notify Express monitors your credit file from Equifax Canada Inc. and TransUnion of Canada every business day.
  2. Notify Express Monitoring alerts you via e-mail or mail so you can react immediately to fraudulent activity. You will receive an alert when new accounts are opened, inquiries are made, or address changes occur.


Identity thieves don't just steal your money. They rob you of your time, your credit, and your reputation. Credit Alert provides you with your personal Quarterly Credit Update that carefully reviews your credit information from Equifax Canada Inc. every quarter to help keep you financially fit and secure. Plus, you'll receive an updated credit score so you can track your progress over time. Your three-month inventory of credit activity:

  • Lists new accounts opened in your name.
  • Records all inquiries made into your credit files.
  • Notifies you of address changes submitted to your credit file.
  • Tracks any identification information changes.
  • Lists any accounts in collection.
  • Details possible negative information on your file.
  • Updates account balance increases greater than 20%.
  • Notifies you of account status improvements.
  • Records all closed accounts, items removed from your credit file, and any credit limit increases.
  • Notes all public record items, including judgments, bankruptcies, and liens.
  • Lists all existing accounts without significant changes.
Credit Alert is constantly on the watch, keeping tabs on all the information in your credit file—not just the information that changes. In the time it takes you to read this, an estimated five North Americans will have their identities stolen. Protect yourself with your Credit Alert Quarterly Credit Update and Credit Score.

Understanding your credit and fighting fraud can be confusing. That is why Credit Alert has highly trained specialists available Monday through Friday, 8 a.m. - 11 p.m. and Saturday, 9 a.m. - 6 p.m. Eastern time, to provide one-on-one personal assistance.

Consumer Fraud Specialists
Consumer Fraud Specialists are your powerful allies after a fraud or identity theft attack. They walk you through all the steps required to restore your credit and will:
  • Assist you in contacting the two major credit reporting agencies to place a Fraud Statement in your credit file
  • Assist you in contacting the affected creditors and law enforcement agencies
  • Assist you in filing disputes with the credit reporting agencies
  • Send you a Fraud First Aid Kit containing important contact phone numbers and addresses, and a Contact List that you can use to keep track of all phone contacts made when trying to clear your credit and name.

Credit Education Specialists
Credit Education Specialists are trained to answer your questions about your member benefits, credit report, credit score, and other issues. Available Monday through Friday, 8 a.m. - 11 p.m. and Saturday, 9 a.m. - 6 p.m. Eastern time.

The information in this article was current at 06 Dec 2011

Keywords: Consumer Fraud Specialists, Credit Information, Credit Management, Fraudulent Activity,