Why haven't I received a credit monitoring alert for my recent credit activity?

Most lenders report account activity within 30 days, but some can take as long as 90 days. Also, some smaller creditors may only report to one or two of three nationwide consumer reporting agencies -- Equifax, Experian, and TransUnion.  If your creditor doesn't report to all three, then you will not receive an alert from all three for the same activity. If you would like more information about a specific creditor's reporting practices, call your lenders and ask which consumer reporting agencies they report to, and how often.    

It's important to monitor your credit files at all three bureaus - to ensure you're aware of every change on your credit file(s).  You should also check your spam folder in your mail program to make sure your alerts are not getting caught in your spam folder.