My Credit Alert Review – Purchase a copy of your credit file today

My Credit Alert Find out more Go to site

Don't worry, by clicking "Go to site" this won't leave a mark on your credit file. An enquiry will only appear on your file once you have submitted a credit card application.

What happens when I click Go to site?
  • Clicking Go to site will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

Purchase a copy of your credit file to monitor credit activity in your name and know of any changes as and when they happen.

Many people realise the importance of their credit files only when their applications for credit don’t go through, but being proactive and going through your credit file periodically can make a big difference. My Credit File, a part of the Equifax group, gives Australians easy access to their credit files, or credit reports. It also provides a credit monitoring service that works as an effective tool against identity theft.

While you can request for a copy of your credit report for free, signing up for the My Credit Alert service requires that you pay an ongoing annual fee. In return, you can expect to receive notifications every time your credit report witnesses any significant change.

Product NameMy Credit Alert
Annual fee$79.95 p.a.
Card TypeVisa
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Annual Fee$79.95 p.a.
Gambling Transactions AllowedNo

Receive automatic notification to changes to your credit file

By signing up for the My Credit Alert service, you can expect to receive a notification via email within 24 hours of any change of information in your credit file. In addition to receiving a copy of your credit file that My Credit File dispatches in one business day, you can expect My Credit Alert to monitor your credit file for various changes and additions. You would, for instance, receive a notification each time a financial institution runs a credit check using your name. You would also receive a notification each time you apply for any kind of credit, be it a credit card, a personal loan, or a home loan.

Why do I need to keep an eye on my credit file?

If you monitor your credit file regularly, you can notify any incorrect marks or cases of identity theft and fraud as soon as possible. There are instances when creditors report defaults when there are none, and without going through your credit file, you may not know that these errors have occurred.

Your credit file finds a mention each time you apply for credit, so if someone uses your details to apply for credit with the aim of stealing your identity, you can expect to find out about it when monitoring your credit file as well.

My Credit Alert monitors and notifies you of the following changes to your credit file:

Expect to receive an email alert via My Credit Alert if your credit file witnesses the following changes or additions:

  • Change of address
  • Change in employment details
  • Enquiries for consumer and commercial credit
  • Changes in all overdue consumer and commercial credit accounts
  • Changes in existing credit relationships
  • Mention of court judgements, bankruptcy, and writs and summons
  • Change in, or addition of, information pertaining to directorship

How can I request a copy of my credit file?

Requesting for a copy of your credit file is easy and reviewing it gives you the ability to ensure its accuracy. Access to a copy of your credit file enables you to spot and fix incorrect entries, but you can’t do this without getting a copy of your credit file first. Luckily, signing up for the My Credit Alert service is simply, and once you sign up you can expect to receive a copy of your credit file soon.

How can I sign up?

You can sign up for the My Credit Alert service by completing the secure online application form. You can setup your My Credit Alert account right now and have your credit file dispatched within one working day.

What information will I need to complete the application?

To complete the application, prepare to part with the following information:

  • Your complete name
  • Your date of birth
  • Details of your driver’s license
  • Employment details (current and previous)
  • Current and previous residential address
  • Daytime phone number and email address
  • Name of your most recent credit provider

What happens after I sign-up?

After you complete the application process, My Credit File dispatches a copy of your credit file to you within one working day. You then receive email alerts notifying you of changes and additions to your credit file for the next 12 months.

Going through your credit file gives you the ability to spot any errors it might carry, and if this is the case, you can take remedial measures. By keeping track of changes that your credit report goes through, not only can you spot incorrect entries, you can also protect yourself against identity theft. The key, in both scenarios, is that you keep going through your credit file on an ongoing basis, and signing up for a service that provides you with regular updates can help simplify the process.

Frequently asked questions

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    32 Responses

    1. Default Gravatar
      VeronicaOctober 9, 2015

      Looking for link to acquire a free copy of credit report.

      • Staff
        SallyOctober 9, 2015Staff

        Hi Veronica,

        Thanks for your question.

        You can get a free copy of your credit report from Dun & Bradstreet. While you can request a fast-tracked version for a fee, the fee report will arrive within 10 working days.

        I’ve emailed you a link to their website for your perusal.

        I hope this has helped.

        Thanks,

        Sally

    2. Default Gravatar
      MckylaSeptember 1, 2015

      Um, i have been told via lawyer if a person has been rejected of a loan or credit a free copy of credit file is accessible

      • Staff
        JonathanSeptember 1, 2015Staff

        Hi Mckyla, thanks for your inquiry!

        Individual’s can request a free copy of their credit file every 12 months. Please refer to the link I have sent to your email to request your copy.

        Cheers,

        Jonathan

    3. Default Gravatar
      domMay 26, 2015

      If I have credit – and have been approved of certain things such as a credit card and mobile phones does this mean that I have bad credit ? Even though I know I have defaulted on things before ?

      • Staff
        JonathanMay 27, 2015Staff

        Hi Don, thanks for your inquiry!

        Overdue accounts and defaults are kept for five years on an individual’s credit file. Other factors such as your Vedascore, employment history, debts and income details will provide banks and lenders with information needed to assess an individual’s eligibility. You may like to refer to the following link for more information on credit ratings.

        Cheers,

        Jonathan

    4. Default Gravatar
      JeffreyMarch 25, 2015

      I need my Credit File but all i get is run around.

      Thanks, Jeffrey

      • Staff
        JonathanMarch 26, 2015Staff

        Hi Jeffrey, thanks for your inquiry!

        Please refer to the link I have sent to your email to apply for your credit file with Veda.

        Cheers,

        Jonathan

    5. Default Gravatar
      FredFebruary 26, 2015

      You state that you can get your credit rating for free from credit bureau website. Can you provide a link to this as when I search I keep getting sites wanting to charge for this service.

      Even on your website it displays a fee of $79.95 for this service.

      Please explain.

      • Staff
        JonathanFebruary 27, 2015Staff

        Hi Fred, thanks for your inquiry!

        Please see this page on more information on how to receive a free copy of your credit report.

        Cheers,

        Jonathan

    6. Default Gravatar
      alexFebruary 2, 2015

      How can I remove my credit enquires on my credit report without waiting 5 years.

      • Staff
        JonathanFebruary 3, 2015Staff

        Hi Alex,

        Thanks for your inquiry!

        Please see this page for more information on the credit repair process and this page for the process of removing enquiries from your credit file.

        I hope this helps!

        Cheers,

        Jonathan

    7. Default Gravatar
      linschotenSeptember 1, 2014

      I have been charged an amount of $ 74.95 on my Westpac credit card I did not authorise this charge. could you please reverse it

      • Staff
        ShirleySeptember 2, 2014Staff

        Hi Linschoten,

        Thanks for your question.

        To request a reverse of charges, please get in touch with Veda Alerts directly.

        Cheers,
        Shirley

    8. Default Gravatar
      JeffreyJune 5, 2014

      How do I get my Credit file ?

      • Staff
        ShirleyJune 6, 2014Staff

        Hi Jeffrey,

        Thanks for your question.

        You can obtain a copy of your credit file by clicking ‘order now’ on this page.

        Cheers,
        Shirley

    9. Default Gravatar
      anushaApril 25, 2014

      Hi There, Its anusha here as i came back overseas from australia and i used 60-70k of my credit cards and loans as i was in deepest trouble and unfortunately i had to return to overseas due to personal issues and my visa got expired its been 6 months now, i want to return back to australia on PR basis so that i can pay some amount of money or arrange time to pay back for which i used for from bank lenders and others , My biggest concern is can i get back my credit history if so what should i do suggest me the best possible way as i realised my mistake …Good on ya …

      • Staff
        ShirleyApril 30, 2014Staff

        Hi Anusha,

        Thanks for your question.

        Our article on credit repair can give you more information about you can do. If you’re finding it hard to repaid your credit yourself, then you may want to consider a credit repair service.

        Cheers,
        Shirley

    10. Default Gravatar
      SandeepMarch 6, 2014

      Hi. I renewed my Veda account yesterday and I didn’t get any email from Veda. How can I check my account as I got only PAS reference.

      • Staff
        JacobMarch 7, 2014Staff

        Hi, Sandeep.

        Please contact Veda for further information about your question. There may be an issue with their systems.

        Thanks for your question.

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