I received a credit monitoring alert about a negative event in my credit report. Now what?

What triggers an alert about a negative event in my credit report?

Typically this occurs when a creditor reports a negative event that may be impacting your credit. This could include late or delinquent payments, charge-offs, collection accounts, foreclosure, or bankruptcy. Negative events can lower your credit score, and typically remain on your credit report for seven years. 

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Is there anything I should do?

If you recognize the inquiry, you can mark the alert as resolved in Aura.

If you don’t recognize the inquiry, review the following questions as they may help you recognize the alert:

• Do you recognize the name of the creditor? In some cases the name shown on the credit report is abbreviated. 
• Is an account shared with a family member? An account may be part of your credit report if you are an authorized user or cosigner.
• If you still don’t recognize the alert, we recommend contacting the creditor and letting them know about this credit alert. They should be able to help you identify it. The creditor phone number should be included in the details of the alert you received.