Privista

1. Yes, the information does update every Monday, even with no new ID alerts.

2. Yes, it includes changed acct balances and updated accounts. I copied the list below. I hope this helps.

Fraud alert

This alert should appear only after you've instructed a credit reporting agency to place a fraud alert on your credit file in response to suspected fraud. Only you are legally allowed to demand such an alert, which prevents credit from being granted.

ID alert

This pertains to unclear information regarding your social security number and/or address in your Equifax credit report. At times, applications for credit may contain addresses that are non-residential or social security numbers that are not valid. You may want to clarify these items with the credit reporting agencies. This type of activity may indicate that someone is trying to apply for credit in your name.

SSN change

This alert appears when your social security number has been changed, possibly helping someone open accounts and apply for credit in your name. The alert may also result from an error on a credit or loan application, however.

Name change

This alert appears when your primary name has been changed, possibly helping someone use your information to open accounts and apply for credit. The alert may also result from marriage or the use of name variations, however.

Alias reported

This alert indicates that an alias has been added to, removed from, or changed in your credit file. An alias, which does not in itself affect your credit rating, is one means by which someone can assume your identity. A creditor's report that uses your nickname-Jim Smith instead of James Smith, for example-may also cause an alias alert, however.

Account inquiry

Also known as a hard inquiry, this alert appears when someone has accessed your credit file. No one may legally do so without your consent or a legitimate business purpose such as the evaluation of an application for credit, employment, or insurance. An inquiry from an unfamiliar party may indicate identity theft or credit fraud.

Account opened

This alert appears when an account has been opened in your name. An unfamiliar account may indicate identity theft or credit fraud.

Account removed

This alert is generated when an item is removed from your credit record. An account is typically removed 7 to 11 years after the last reported activity on that account. The removal of a delinquent account may increase your credit score.

Account status change

This alert indicates any of a number of reported changes to the current status of an account. These changes, which do not in themselves usually indicate identity theft or credit fraud, include added users, late payments, inactivity, bankruptcy protection, and missing or unavailable information. See the full list of possible changes for a complete listing.

Account past due

This alert indicates the amount that has been reported as overdue for a particular account. An inaccurate overdue notice may indicate identity theft.

Change of address

This alert appears when the address reported in your credit file has changed, possibly indicating identity theft.

Public record

This alert indicates that a collection or public record has been added or removed from your credit file. It includes account collections, bankruptcies, tax liens, or changes in marital status. An inaccurate record may indicate identity theft.

Public record change

This alert appears when an active public record or collection is satisfied, dismissed, or otherwise updated. An inaccurate record may indicate identity theft.

$ Balance change

This alert appears when one of your revolving account balances exceed the previous week's balance by the amount you have chosen. An unexpectedly large change may indicate identity theft or credit fraud. The default value is $200, but you may set your own limit.

% Balance change

This alert appears when one of your revolving credit balances exceeds the previous week's balance by the percentage you have chosen. An unexpectedly large and unfamiliar change may indicate identity theft or credit fraud. The default value is 2%, but you may set your own limit.