Experian - Alerts

Card Over Limit

A credit card account provider reported that you exceeded your credit limit for that card. This impacts your credit negatively.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"CardOverLimit"
  }
}
Alert Details
{
    "alertType": "Potentially Negative",
    "alertSubType": "Card Over Limit",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "balanceAmount": "$655.00",
    "isCollection": "No",
    "openDate": "07/05/2020",
    "paymentStatus": "Bank/Credit Card Over Credit Limit",
    "statusDate": "07/05/2020",
    "name": "CREDIT ONE BANK NA",
    "phone": "(702) 269-1000",
    "businessType": "BC",
    "streetAddress": "PO BOX 98875",
    "city": "LAS VEGAS",
    "state": "NV",
    "zip": "89193-8875"
}

Delinquent

An account provider reported that you did not pay them on time, and the account is now 30, 60, or 90 (or more) days late.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"Delinquent"
  }
}
Alert Details
{
    "alertType": "Potentially Negative",
    "alertSubType": "Delinquent",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "balanceAmount": "$621.00",
    "isCollection": "No",
    "openDate": "07/06/2020",
    "paymentStatus": "Grid Code 2 (60 Days Delinquent)",
    "statusDate": "07/06/2020",
    "name": "CREDIT ONE BANK NA",
    "phone": "(702) 269-1000",
    "businessType": "BC",
    "streetAddress": "PO BOX 98875",
    "city": "LAS VEGAS",
    "state": "NV",
    "zip": "89193-8875"
}

Lost Or Stolen Card

A credit card account provider reports that you notified them that your card is lost or stolen.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"LostOrStolenCard"
  }
}
Alert Details
{
    "alertType": "Potentially Negative",
    "alertSubType": "Lost Or Stolen Card",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "balanceAmount": "$0.00",
    "isCollection": "No",
    "openDate": "07/02/2020",
    "paymentStatus": "Lost/Stolen Credit Card",
    "statusDate": "07/02/2020",
    "name": "TIB",
    "phone": "(800) 367-7576",
    "businessType": "BC",
    "streetAddress": "PO BOX 569120",
    "city": "DALLAS",
    "state": "TX",
    "zip": "75356-9120"
}

Major Derogatory

An account provider reported that the account payment status changed and this account is damaging your credit (chargeoff, repossession, foreclosure, skip cannot locate, paid by dealer, or 120 (or more) days late)

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"MajorDerogatory"
  }
}
Alert Details
{
    "alertType": "Potentially Negative",
    "alertSubType": "Major Derogatory",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "balanceAmount": "$155.00",
    "isCollection": "No",
    "openDate": "07/01/2020",
    "paymentStatus": "Grid Code L (ChargeOff)",
    "statusDate": "07/01/2020",
    "name": "1STPROGRESS/1STEQUITY/",
    "businessType": "NF",
    "streetAddress": "PO BOX 9053",
    "city": "JOHNSON CITY",
    "state": "TN",
    "zip": "37615-9053"
}

New Address

An account provider reported that an account (or account application) in your name shows a different address. Review it in the alert and on the report Personal Info section.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"NewAddress"
  }
}
Alert Details
{
    "alertType": "New Address",
    "alertSubType": "New Address",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "currentStreetAddress": "6051 DAVIS BLVD",
    "currentCity": "NORTH RICHLAND HILLS",
    "currentState": "TX",
    "currentZip": "76182-5417",
    "oldStreetAddress": "6051 DAVIS BLVD",
    "oldCity": "NORTH RICHLAND HILLS",
    "oldState": "TX",
    "oldZip": "76182-5417"
}

New Inquiry

A potential creditor or employer reported that they pulled a copy of your credit file because you applied for credit or services with them.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"NewInquiry"
  }
}
Alert Details
{
    "alertType": "Inquiry",
    "alertSubType": "New Inquiry",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "inquiryDate": "07/07/2020",
    "name": "DT CREDIT",
    "phone": "(800) 863-7483",
    "businessType": "FA",
    "streetAddress": "PO BOX 29018",
    "city": "PHOENIX",
    "state": "AZ",
    "zip": "85038-9018"
}

New Trade

An account provider reported that a new account was opened in your name.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"NewTrade"
  }
}
Alert Details
{
    "alertType": "New Account",
    "alertSubType": "New Trade",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "balanceAmount": "$539.00",
    "openDate": "06/19/2020",
    "name": "LEAD BANK",
    "phone": "(816) 220-8600",
    "businessType": "BB",
    "streetAddress": "D AND 3RD STREETS",
    "city": "GARDEN CITY",
    "state": "MO",
    "zip": "64747-8163"
}

Public Record Bankruptcy

A court reported they added a new bankruptcy in your name, or they changed the status or record information on a bankruptcy in your name.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"PublicRecordBankruptcy"
  }
}
Alert Details
{
    "alertType": "Public Record",
    "alertSubType": "Public Record Bankruptcy",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "amount": "$",
    "filedDate": "10/22/2019",
    "name": "US BKPT CT GA ATLANTA",
    "phone": "BYMAILONLY",
    "streetAddress": "US BANKRUPTCY COURT",
    "city": "ATLANTA",
    "state": "GA",
    "zip": "30308"
}

Settlement

An account provider reported that you negotiated with them and they agreed to close the account because you paid a specific amount of the money you owed them.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"Settlement"
  }
}
Alert Details
{
    "alertType": "Public Record",
    "alertSubType": "Settlement",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "amount": "$9,846.00",
    "filedDate": "06/30/2020",
    "name": "ONEMAIN",
    "phone": "(844) 298-9733",
    "businessType": "FP",
    "streetAddress": "PO BOX 1010",
    "city": "EVANSVILLE",
    "state": "IN",
    "zip": "47706-1010"
}

Skip Cannot Locate

Account provider reports that the account may show "potentially" negative information, but did not provide details. Contact the account provider.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"SkipCannotLocate"
  }
}
Alert Details
{
    "alertType": "Potentially Negative",
    "alertSubType": "Skip Cannot Locate",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "balanceAmount": "$9,293.00",
    "isCollection": "No",
    "openDate": "07/06/2020",
    "paymentStatus": "Skip",
    "statusDate": "07/06/2020",
    "name": "AMERICAN COLLECTION SE",
    "phone": "(405) 682-8088",
    "businessType": "YC",
    "streetAddress": "3100 SW 59TH ST",
    "city": "OKLAHOMA CITY",
    "state": "OK",
    "zip": "73119-6416"
}

Trade line Bankruptcy

An account provider reports that when you filed for bankruptcy, you listed this account as one of the ones you could not pay.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"TradelineBankruptcy"
  }
}
Alert Details
{
    "alertType": "Potentially Negative",
    "alertSubType": "Tradeline Bankruptcy",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "balanceAmount": "$0.00",
    "isCollection": "No",
    "openDate": "06/29/2020",
    "paymentStatus": "Bankruptcy Discharge Chapter 7",
    "statusDate": "06/29/2020",
    "name": "MACYS/DSNB",
    "phone": "(800) 243-6552",
    "businessType": "DZ",
    "streetAddress": "PO BOX 8218",
    "city": "MASON",
    "state": "OH",
    "zip": "45040-8218"
}

Account Information

An account provider reported that they changed the account number, condition, status, or provider name on the account. (Example: the account might be "closed" now)

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"AccountInformation"
  }
}
Alert Details
{
    "alertType": "Potentially Negative",
    "alertSubType": "Account Information",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "balanceAmount": "$280.00",
    "isCollection": "No",
    "openDate": "04/01/2020",
    "paymentStatus": "Not more than 2 payments past due (2)",
    "statusDate": "07/08/2020",
    "name": "SYNCB/EBAY",
    "phone": "(844) 435-0237",
    "streetAddress": "4125 WINDWARD PLAZA",
    "city": "ALPHARETTA",
    "state": "GA",
    "zip": "30005"
}

Bankruptcy Change

A court reported that your bankruptcy (or bankruptcy application) shows a changed status or changed record information.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"BankruptcyChange"
  }
}
Alert Details
{
    "alertType": "Public Record",
    "alertSubType": "Bankruptcy Change",
    "source": "Experian",
    "alertDate": "05/14/2020",
    "courtName": "US BANKRUPTCY COURT-DETROIT",
    "caseNumber": "1234567890",
    "description": "Bankruptcy",
    "filedDate": "05/14/2020"
}

Change Of Address

An account provider reported that an account (or account application) in your name shows a different address. Review it in the alert and on the report Personal Info section.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"ChangeOfAddress"
  }
}
Alert Details
{
    "alertType": "New Address",
    "alertSubType": "Change Of Address",
    "source": "Experian",
    "alertDate": "06/29/2020",
    "currentStreetAddress": "403 E MULLAN AVE",
    "currentCity": "POST FALLS",
    "currentState": "ID",
    "currentZip": "83854",
    "oldStreetAddress": "2875 N MCGUIRE RD",
    "oldCity": "POST FALLS",
    "oldState": "ID",
    "oldZip": "83854",
    "moveDate": "06/29/2020"
}

Collection Change

A collection account provider reported that they changed the account number, status, or provider name on an account in your name.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"CollectionChange"
  }
}
Alert Details
{
    "alertType": "Potentially Negative",
    "alertSubType": "Collection Change",
    "source": "Experian",
    "alertDate": "07/07/2020",
    "balanceAmount": "$93.00",
    "isCollection": "Yes",
    "paymentStatus": "PAID (P)",
    "statusDate": "07/07/2020",
    "name": "RECEIVABLES MANAGEMENT SYSTEMS",
    "phone": "(804) 353-9300",
    "streetAddress": "7206 HULL ST STE 211",
    "city": "RICHMOND",
    "state": "VA",
    "zip": "23226"
}

Delinquent Account

An account provider reported that you did not pay them on time, and the account is now 30, 60, or 90 (or more) days late.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"DelinquentAccount"
  }
}
Alert Details
{
    "alertType": "Potentially Negative",
    "alertSubType": "Delinquent Account",
    "source": "Transunion",
    "alertDate": "07/08/2020",
    "isCollection": "No",
    "paymentStatus": "Charged off as bad debt",
    "name": "TD AUTO FINANCE",
    "businessType": "FA",
    "streetAddress": "PO BOX 9223",
    "city": "FARMINGTON",
    "state": "MI",
    "zip": "48333"
}

Improved Account

Congratulations! An account provider reported the account improved its payment status compared to last month. (example: maybe it lists as current or paid off where it used to list as past due)

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"ImprovedAccount"
  }
}
Alert Details
{
    "alertType": "New Account",
    "alertSubType": "Improved Account",
    "source": "Transunion",
    "alertDate": "07/08/2020",
    "accountBalance": "$0.00",
    "paymentStatus": "9P",
    "name": "US BANK CACS CC",
    "businessType": "BC",
    "streetAddress": "CB DISPUTES PO BOX 108",
    "city": "SAINT LOUIS",
    "state": "MO",
    "zip": "63166"
}

Inquiry

A potential creditor or employer reported that they pulled a copy of your credit file because you applied for credit or services with them.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"Inquiry"
  }
}
Alert Details
{
    "alertType": "Inquiry",
    "alertSubType": "Inquiry",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "inquiryDate": "07/08/2020",
    "name": "WESTLAKE SERVICE INC",
    "phone": "(323) 692-4188",
    "streetAddress": "4751 WILSHIRE BLVD SUITE 100",
    "city": "LOS ANGELES",
    "state": "CA",
    "zip": "90010"
}

New Account

An account provider reported that a new account was opened in your name.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"NewAccount"
  }
}
Alert Details
{
    "alertType": "New Account",
    "alertSubType": "New Account",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "balanceDate": "07/08/2020",
    "balanceAmount": "$34,500.00",
    "openDate": "06/01/2020",
    "statusDate": "07/08/2020",
    "name": "FIRST COMMAND BANK",
    "phone": "(817) 763-0000",
    "streetAddress": "4100 SOUTH HULEN STE 150",
    "city": "FORT WORTH",
    "state": "TX",
    "zip": "76109"
}

New Bankruptcy

An account provider reports that when you filed for bankruptcy, you listed this account as one of the ones you could not pay.

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"NewBankruptcy"
  }
}
Alert Details
{
    "alertType": "Public Record",
    "alertSubType": "New Bankruptcy",
    "source": "Experian",
    "alertDate": "05/13/2020",
    "courtName": "US BANKRUPTCY COURT-LOS ANGELE",
    "caseNumber": "1234567890",
    "description": "Bankruptcy",
    "filedDate": "05/08/2020"
}

New Collection

A collection account provider reported that they created a new collections account in your name

Webhook Example
{
  "service": "alerts",
  "method": "push",
  "event": "push",
  "details": {
    "appKey": "04a3e46b-ea21-486d-abce-34e2d592e7b8",
    "clientKey": "b54af623-29f9-4c07-9af0-1a9b04fca695",
    "bureau":"EXP",
    "alertId":"1234567890",
    "alertType":"NewCollection"
  }
}
Alert Details
{
    "alertType": "Potentially Negative",
    "alertSubType": "New Collection",
    "source": "Experian",
    "alertDate": "07/08/2020",
    "balanceAmount": "$365.00",
    "isCollection": "Yes",
    "openDate": "04/25/2020",
    "paymentStatus": "UNPAID (D)",
    "statusDate": "07/08/2020",
    "name": "WAKEFIELD AND ASSOCIATES, INC",
    "streetAddress": "PO BOX 50250",
    "city": "KNOXVILLE",
    "state": "TN",
    "zip": "37950"
}