It seems that two things are worth explaining:
1. The missing "process" information in the virus alert toaster. This is actually an unintended omission (a bug) - the process information should indeed be there, and will be there in the final version.
2. CreditAlert. I see a lot of discussion about this feature, and also some confusion (probably resulting from a lack of information from our side). So, let me explain it in a few sentences now. CreditAlert is a completely voluntary service that you actually have to sign up for. The sign up process includes providing part of your social security number as well as a verification of your identity (we don't want other people to be receiving your credit alerts - so as part of the sign up process, you could be asked some tricky question that no one else can answer (similar to e.g. setting up an account in some banks etc)). This basically answers the concerns about the feature being "pushy" (or prominently presented in the avast UI) - it's actually the opposite, you will have to produce some non-trivial activity to enable the feature. Now, once you sign up, you will get an alert whenever your credit changes in a suspicious way. The optional paid version will then allow you to review all the changes in a high level detail, as well as to take some remediation actions if needed.
Now, we fully understand that the feature is not directly related to AV protection, and that the feedback on including this feature into avast may not be 100% positive. But we still thought it might be an interesting value-add for some of our users. We also tried to craft it so that it's pretty much invisible in the UI unless you actually go through the sign-up process.
Thanks
Vlk