Will creating a Truyu account impact my credit score?

No, creating a Truyu account has no impact on your credit score.

Your free identity protection scan includes a history of your credit activity, but this does not impact your credit score.
Setting up Truyu Alerts involves an identity verification process, but this also has no impact on your credit score.

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1. Australian Bureau of Statistics (2023-24-financial-year), Personal Fraud, ABS Website, accessed 11 September 2025.
2. McAlister M et al. 2023. Identity crime and misuse in Australia 2023. Statistical Bulletin no. 42. Canberra: Australian Institute of Criminology, accessed 21 November 2025.

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. For information on how we collect and handle personal information, see our 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.

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