--- title: Why should I care if my credit file has been viewed or modified? description: If your credit file is viewed or modified without your authorisation, it could be a sign of identity theft or fraud, potentially leading to financial loss. Unauthorised enquiries may also lower your credit score, affecting your ability to get loans, credit cards, or competitive interest rates. Monitoring your credit file helps ensure its accuracy and protects you from unauthorised use of your personal information. --- [Skip to content](https://help.truyu.com.au/why-should-i-care-if-my-credit-file-has-been-viewed-or-modified#main-content) [![Truyu-Lockup-Jan26](https://help.truyu.com.au/hs-fs/hubfs/Truyu-Lockup-Jan26.png?width=132&height=60&name=Truyu-Lockup-Jan26.png)](https://www.truyu.com.au/) - [Back to truyu.com.au](https://www.truyu.com.au/) - [Help centre](https://help.truyu.com.au/) Open main navigation Close main navigation - [Back to truyu.com.au](https://www.truyu.com.au/) - [Help centre](https://help.truyu.com.au/) - [Contact us](https://www.truyu.com.au/contact) [Contact us](https://www.truyu.com.au/contact) How can we help you? - There are no suggestions because the search field is empty. 1. [Help Centre](https://help.truyu.com.au/?hsLang=en-au) 2. [The Truyu App](https://help.truyu.com.au/the-truyu-app?hsLang=en-au) 16 March 2026 # Why should I care if my credit file has been viewed or modified? If your credit file is viewed or modified without your authorisation, it could be a sign of identity theft or fraud, potentially leading to financial loss. Unauthorised enquiries may also lower your credit score, affecting your ability to get loans, credit cards, or competitive interest rates. Regularly reviewing and monitoring your credit file helps ensure its accuracy and protects you from unauthorised use of your personal information. - [About Truyu](https://help.truyu.com.au/about-truyu?hsLang=en-au) - [The Truyu App](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#main-content) - [Identity Check Alerts](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#identity-check-alerts) - [Credit Activity Alerts](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#credit-activity-alerts) - [Identity Protection Scan](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#identity-protection-scan) - [Email Leaks](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#email-leaks) - [Card Leaks](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#card-leaks) - [Password Leaks](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#password-leaks) - [Scam Checker](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#scam-checker) - [My Truyu Account](https://help.truyu.com.au/my-truyu-account?hsLang=en-au#main-content) - [Account Management](https://help.truyu.com.au/my-truyu-account?hsLang=en-au#account-management) - [Offer Codes](https://help.truyu.com.au/my-truyu-account?hsLang=en-au#offer-codes) - [Security and Personal Data](https://help.truyu.com.au/security-and-personal-data?hsLang=en-au) - [Recovering your identity](https://help.truyu.com.au/recovering-your-identity?hsLang=en-au#main-content) - [Credit Report Ban](https://help.truyu.com.au/recovering-your-identity?hsLang=en-au#credit-report-ban) - [Customer Support](https://help.truyu.com.au/customer-support?hsLang=en-au) - [Privacy Policy](https://www.truyu.com.au/privacy-policy) - [Terms & Conditions](https://www.truyu.com.au/terms-and-conditions) - [Contact](https://www.truyu.com.au/contact) - [About](https://www.truyu.com.au/about) [![Truyu built by CommBank](https://help.truyu.com.au/hs-fs/hubfs/Truyu%20Horizontal%20Logo.png?width=316&height=100&name=Truyu%20Horizontal%20Logo.png "Truyu built by CommBank")](https://www.truyu.com.au/) Truyu is a brand of CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 trading as Truyu.  CBA New Digital Businesses Pty Ltd is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia. To access detailed terms and conditions about Truyu please [click here](https://www.truyu.com.au/terms-and-conditions). For information on how we collect and handle personal information, see our [Privacy Policy](https://www.truyu.com.au/privacy-policy). \*The Identity Check Alert Service is not comprehensive. Importantly, you will only receive a notification if GBG has informed us that your first name, last name and date of birth have been used at an Australian merchant that is onboarded by GBG as part of our Identity Check Alert Service. As at 5 February 2025, GBG handles over 60% of online identity checks run by Australian merchants.  \*\*There is an initial three-month trial, for all new customers. A monthly subscription fee of $4.99 will be debited from your Apple App Store or Google Play Store payment method once the trial is completed, unless you cancel your subscription before the end of the trial. Apple and the Apple Logo are trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.