topic Re: TU alert about credit line increase. in General Credit Topics

TU alert about credit line increase.

belle6m2k — Sat, 14 Apr 2018 19:37:10 GMT

Just got an alert that my total credit line increased but no indication of which card. Do the send individual card alerts or do I just wait for EX or EQ to alert?

Re: TU alert about credit line increase.

HeavenOhio — Sun, 15 Apr 2018 03:54:48 GMT

I just went through my myFICO alerts. As you've observed, it looks like the TU alert is for the "total bankcard balance" and tells you your new aggregate limit. When you get an Experian alert, it should say, "an account listed on your credit report has been updated." It should identify the card and give the increase for that card. It looks like Equifax doesn't alert for limit increases.

Re: TU alert about credit line increase.

Meanmchine — Sat, 14 Apr 2018 22:58:44 GMT

Equifax does

Re: TU alert about credit line increase.

HeavenOhio — Sun, 15 Apr 2018 02:58:13 GMT

@Meanmchine, I'm not finding any. Do you know what the title of the alert says? For instance, the TU alert says, "All Bankcard account(s) limit increased," and the EX alert says, "An account listed on your credit report has been updated." I'm not finding anything like that for EQ around the dates that the other alerts appear.

If I remember correctly, there's a master list of the alerts we're supposed to get, but I'm not finding that either.

Re: TU alert about credit line increase.

Anonymous — Sun, 15 Apr 2018 03:04:10 GMT

Can't you see all of your accounts and their current limits? I don't know much about MF, so maybe you don't see that information updated until you get a new 3B pull?

Do you use WalletHub? If not, sign up (it's free) and you'll get DAILY updates to your TU report. If you do that now, you'll see what the credit limits are today on all of your revolvers, so it will be really easy to see which one is higher than it was previously, assuming you were familiar with all of your credit limits.

Re: TU alert about credit line increase.

Meanmchine — Sun, 15 Apr 2018 03:49:29 GMT

Hi HeavelyOne

"The balance on one of your accounts has increased/decreased by $xxx"

Just hit my myFICO 3B today ---- Equifax

EDIT : My bad. I misread your original post. You were looking for CLI/CLD not balance change, Saw-wee

Re: TU alert about credit line increase.

HeavenOhio — Sun, 15 Apr 2018 03:53:33 GMT

@Anonymous wrote:
Can't you see all of your accounts and their current limits? I don't know much about MF, so maybe you don't see that information updated until you get a new 3B pull?

The reports don't update until you do a new pull.

Re: TU alert about credit line increase.

Anonymous — Sun, 15 Apr 2018 04:33:58 GMT

I would think then that anyone with a myfico subscription would want to supplement that with Wallethub so that they would be able to always see any differences in their reports to go along with the alerts and score changes that they're getting from myFICO.

Re: TU alert about credit line increase.

iv — Sun, 15 Apr 2018 18:32:06 GMT

@HeavenOhio wrote:
@Meanmchine, I'm not finding any. Do you know what the title of the alert says? For instance, the TU alert says, "All Bankcard account(s) limit increased," and the EX alert says, "An account listed on your credit report has been updated." I'm not finding anything like that for EQ around the dates that the other alerts appear.

If I remember correctly, there's a master list of the alerts we're supposed to get, but I'm not finding that either.

The MyFICO EQ monitoring does not include CL changes.

(All three are basically pass-throughs of the existing monitoring options each CRA provides, so they do vary somewhat.)

Below is the current (as of April 2018) list of what's monitored on each CRA:

Re: TU alert about credit line increase.

Anonymous — Sun, 15 Apr 2018 21:52:57 GMT

You can see which card the alert was for on Credit Karma.