Avast 2014: CreditAlert - FAQs

Avast CreditAlert: Frequently Asked Questions


Avast CreditAlert

Avast CreditAlert Premium

AVAST and Credit


What is a credit alert?

A credit alert indicates that an item on your credit report has recently been added, removed, or changed.

This can be the result of a recent action that you took regarding your borrowing, such as opening a new credit card, purchasing a home or car, or taking out a loan.

If you have not recently taken any action which could affect your credit, it is possible that this can be an early indication of identity theft. This is why it is important to continuously monitor your credit report as a first step against fraud or identity theft on your credit file.

Avast CreditAlert and Avast CreditAlert Premium will provide you with a desktop alert the instant a change to your credit file has been detected.

What is a credit report?

Your credit report is a history of your borrowing and repaying of credit. Each item on a credit report is a detailed account of a line of credit or debt.

A credit report includes your sensitive information, like your full name, address, and date of birth. This information is used to identify you and maintain updated and accurate information about your financial history.

Credit reports are maintained by three independent businesses: Experian, Equifax, and TransUnion, and they are not required to share information with each other. In fact, a recent study indicated that as many as 79% of consumers found some sort of error or inaccuracy on one of their credit reports

It is very important that the information reflected in your credit report accurately represents you and your financial history.

What is a credit score?

A credit score is a numerical assessment of your credit report to determine your eligibility for loans and new lines of credit. A lender will typically use a credit score to determine qualifications and interest rates for a loan or credit card.

A low credit score can result in higher interest rates and add to the likelihood of being denied for a loan or line of credit.

Victims of identity theft typically see their credit scores decrease quickly as a result of the fraudulent items on their credit report.

How can I view my credit report?

You are eligible to receive a free credit report every 12 months from each of the three credit bureaus: Experian, Equifax, and TransUnion as a part of the Fair and Accurate Credit Transactions Act.

For instructions on how to receive your free credit report, please visit www.annualcreditreport.com

How do my credit scores affect me?

Your credit score is used by lenders to assess your creditworthiness. This can be the defining factor in determining your eligibility for a loan or credit card and your interest rates. If your credit score is low because of inaccurate information or fraud on your credit report, it can affect payments that you make on a monthly basis, like your credit card or house payment.

By enrolling in a credit monitoring service like Avast CreditAlert, you can keep an eye on anything that might impact your credit score.

Will viewing my credit report affect my credit score?

No. If you request or purchase a copy of your credit report for your personal use, your credit score should not be affected.

There are two methods of pulling a credit report:

  • Soft Pull - This occurs when you request a copy of your credit report or when a business requests a copy of your credit report or credit score for informational purposes, such as credit monitoring or checking your credit as part of an employment screening process. A soft pull will not affect your credit score.
  • Hard Pull - This occurs when a business requests a copy of your credit report to determine creditworthiness and assess your eligibility for a new line of credit or account. A hard pull will affect your credit score.

What is credit monitoring?

Credit monitoring provided by Avast CreditAlert and Avast CreditAlert Premium allows you to receive continuous updates about any changes to your credit report without having to retrieve or purchase a copy of your credit report on a repeated basis.

This allows you to take control and take action immediately if you find evidence of a mistake or fraud on your credit report.

Does credit monitoring affect my credit score?

Avast CreditAlert and Avast CreditAlert Premium will have no effect on your credit score.

Where can I find the CreditAlert feature?

If you are using a registered copy of Avast Antivirus, and you have not signed up for CreditAlert, you can find it under Settings > Maintenance > CreditAlert and register or reactivate your CreditAlert account there.

If you have registered for Avast CreditAlert, you can find it under Additional Protection > CreditAlert.

Is CreditAlert available for all users of Avast ?

Currently, CreditAlert is only available for Avast users in the United States.


Avast CreditAlert

What is Avast CreditAlert?

Avast CreditAlert is a free service that allows you to receive credit alerts powered by TransUnion through your Avast Antivirus program.

How much does Avast CreditAlert cost?

Avast CreditAlert is free. You are not required to provide a credit card or any kind of payment information to sign up for this service.

What do I need to provide to sign up for CreditAlert?

In order to provide you with accurate data, CreditAlert requires the following:

  • First Name
  • Last Name
  • Address
  • City
  • State
  • ZIP Code
  • Last 4 Digits of Social Security Number
  • Date of Birth

What should I do if I receive a credit alert?

If you receive a credit alert, visit our free Resolution Center for more information on how you can find detailed information on retrieving your credit report and taking action against fraud.

If you are interested in receiving credit alerts with detailed information and analysis, consider Avast CreditAlert Premium with credit monitoring, identity monitoring, and cyber monitoring all in one package.

Why do I need credit alerts?

Avast CreditAlert is a free and easy way to keep an eye on your credit report without having to spend hours at a time retrieving and reviewing your credit report on a consistent basis.

Receiving a credit alert without taking any recent action regarding your credit can be an early first sign of identity theft.

With Avast CreditAlert, you can have peace of mind knowing that if there is any activity on your credit report, you will be the first to know.

Is this your own product, or another company’s product?

CreditAlert Free and CreditAlert Premium are a joint production that was prepared by AVAST Software and IDWatchdog.

Does the guarantee come from AVAST, or another company?

The guarantee comes from IDWatchdog with AVAST covering the delivery of credit alert notifications to the registered users.

Is the software secure?

The data on credit reports are derived from a special IDWatchdog process and are delivered to the end-user in an encrypted form.

How can you guarantee security?

We are not able to guarantee the security of our user’s identity as this can be negatively impacted by a lost ID card or a data beach at a local hospital, for example. These are events absolutely beyond our control. What we will do is quickly notify users through the notification system in Avast that their credit report has changed.

AVAST has a large database of users. Can these users see my personal information?

Avast users never have access to the personal information of other users. The use of your private data is governed by the end-user license agreement which was agreed to when signing up for Avast Antivirus and also the end-license agreement that was agreed to during the activation of the CreditAlert service.

Doesn’t the sign-up process count as a negative hit on my credit report?

Signing up for the CreditAlert services will have no impact on your credit report.

Is there a maximum amount of money attached to your guarantee?

No, there is no limit. The lack of a ceiling shows our belief in this product.

Are you affiliated with any of the 3 major credit bureaus?

Neither AVAST nor IDWatchdog have an ownership link to any of the major three credit bureaus. There is a contractual arrangement between TransUnion and IDWatchdog for the internal provision of credit data.


Avast CreditAlert Premium

What is Avast CreditAlert Premium?

Avast CreditAlert Premium provides an enhanced level of monitoring with credit reports, credit scores, and credit monitoring throughout all three credit bureaus: Equifax, Experian, and TransUnion. It includes identity monitoring and cyber monitoring to produce a complete package that ensures your sensitive data is secure at all times.

What do I need to provide to sign up for CreditAlert Premium?

In order to provide you with accurate data, CreditAlert Premium requires the following:

  • First Name
  • Last Name
  • Address
  • City
  • State
  • ZIP Code
  • Phone Number
  • Social Security Number
  • Date of Birth
  • Security Question
  • Security Answer
  • Payment Information

What is identity monitoring?

Avast CreditAlert Premium will continuously pull and monitor records relating to your identity: addresses, phone numbers, bank accounts, and public records to make sure that everything checks out as legitimate. If there is any evidence of fraudulent activity, our Resolution Team will work on your behalf to correct the issue.

What is cyber monitoring?

Avast CreditAlert Premium will inform you if any of your sensitive information, like your Social Security Number, has been leaked online to any suspicious sites where personal identity information can be bought or sold. If your sensitive information has been bought or sold online, our Resolution Team will help you through the process of recovering your identity.

How much does Avast CreditAlert Premium cost?

A subscription to Avast CreditAlert Premium is now available at $9.95 per month. This amount covers the cost of acquiring and aggregating the data together with the costs of repairing the credit reports of users that were damaged by events taking place after their registration for the CreditAlert Premium service.

Are there any “hidden” costs?

The $9.95 monthly fee for CreditAlert Premium is the total amount to be paid for data and assistance services to clean up the damage to your credit report for events that took place after signing up for the service. For pre-existing issues such as ID theft which took place before signing up for CreditAlert Premium, a separate fee structure applies.

Will I also be charged fees from the credit bureaus?

No, you will only pay the $9.95 monthly fee for the CreditAlert Premium service, with no additional payments to the credit bureaus.

What should I do if I receive a credit alert?

Your subscription to Avast CreditAlert Premium will provide detailed information on any credit alert you receive. If you receive a credit alert that you suspect is fraudulent, get in touch with our Resolution Team and we can review the issue alongside you.

What should I do if I think I am a victim of identity theft?

If you believe you have become a victim of identity theft or fraud, Avast CreditAlert Premium is here to help. Contact our Resolution Team and visit our Resolution Center for more information on what to do if your credit report or personal data has been compromised.

Can you help me clean up my credit?

Subscribers to CreditAlert Premium will have help from IDWatchdog experts to restore records damaged by the theft of their private data. Assistance will not be able to help a damaged credit rating resulting from the non-payment of other loans or credit card bills.


AVAST and Credit

Are you still planning on supporting and growing your antivirus businesses?

Of course. Our primary goal is to protect our users’ computers and private data from whatever threats they encounter.

Why is AVAST going into the credit protection business?

AVAST is not going into the credit business. A large portion of our users have used credit bureau services and are concerned about identity theft according to internal surveys. The Avast program is an ideal platform for communicating timely information, for example news about a sudden change in credit report, to the end users.

Does using Avast software make me more susceptible or less susceptible to identity theft?

Avast software helps make users less susceptible to identity theft with its many shields and protective layers keeping malware out from their computers. In addition, the SafeZone feature in the premium Avast Internet Security creates secure connection which data-stealing malware such as keyloggers are unable to penetrate.

Do I have to be an Avast software user in order to use the identity protection product?

Yes. CreditAlert utilizes the Avast Antivirus system as its platform for communicating with users. Without the ability to communicate directly and quickly with users through Avast popups, the end user would not receive timely information.



Avast Premier 2014
Avast Internet Security 2014
Avast Pro Antivirus 2014
Avast Free Antivirus 2014

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