How Do Credit Alerts Work in Greenlight?

Credit alerts help you stay informed about important changes to your TransUnion credit file. When certain activity occurs, you’ll receive a notification so you can review what’s changed and take action if needed.

How will I know if I have a new Credit Alert?

If there’s new activity on your credit file that triggers an alert, you’ll receive a push notification to your mobile device.

To review your alert you can tap the notification itself or follow the steps below in your app:

1. Tap the “Accounts" tab in your Greenlight app
2. Under “Credit Protection”, tap “Review” next to your new credit alert
3. You’ll see a list of your current and past alerts, listed from newest to oldest.
4. Tap the “+” icon next to any alert to view more details.

Once you’ve reviewed a new alert, the “Review” button will no longer appear in the “Credit Protection” section.

What kind of credit activity will trigger an alert?

• A new account opened
• A credit inquiry
• A new address added to your credit file
• A decrease in your credit score
• A credit card balance exceeding its limit
• A new authorized user added

These alerts are designed to help you quickly spot changes that may impact your credit.

Which Credit Alerts don’t send notifications?

• Account closed
• Account improved
• Account paid
• Collections account added
• Collections balance decreased or increased
• Collections paid
• Credit score increased
• Delinquency added
• Employer added
• Foreclosure added
• Fraud statement added
• Public record added
• Bankruptcy added
• Lost card reported

You can view these updates anytime in your “Credit Alerts” history!

How quickly will I receive a Credit Alert?

Credit alerts aren’t sent instantly, so you won’t receive a notification the exact minute a change happens on your credit file.

In most cases, alerts will appear within 12–24 hours. Occasionally, it may take up to 1–2 business days for an alert to be delivered after the activity occurs.

Keep in mind: Credit alerts are based on activity reported to your TransUnion credit file. Not all lenders use or report to every credit bureau. If a lender checks or reports to a different bureau (like Experian or Equifax) and the activity doesn’t appear on your TransUnion file, you may not receive a credit alert for that activity.

What if I miss or forget to review a Credit Alert?

If you don’t review a new alert within 5 days, the in-app notification will expire and the “Review” button will disappear.

You can still access all alerts at any time:

1. Tap the “Accounts” tab
2. Tap your “Credit Score” tile
3. On your “Credit Overview” page, you can view your full alert history!

What Should I Do If I Don’t Recognize a Credit Alert?

If you receive a credit alert and don’t recognize the activity, don’t panic — there may be a simple explanation.

Here are a few steps you can take:

• Review the alert details carefully in the app to confirm what changed
• If it appears to be a new account or loan, consider contacting the business listed to verify whether the activity is legitimate
• If you believe the activity may be unauthorized, you can contact TransUnion, the credit bureau that provides this data, to review or dispute the information.

You can reach TransUnion here:
Consumer Support: https://www.transunion.com/customer-support/contact-us-consumers

Call: 1-800-916-8800

Submit a dispute: https://www.transunion.com/credit-disputes

If you’re concerned about potential fraud, you can also lock your TransUnion credit file directly in the Greenlight app.

Who Receives Credit Alert Notifications?

Credit alerts are personal. Only you will receive notifications about activity on your credit file.