Equifax Canada — Free Credit Monitoring (2024)

1 You don't just have one credit score. There are many different credit scores provided by different companies that are used to help predict how likely you are to pay your bills on time. The Equifax credit score provided under the offers described herein a proprietary credit model developed by Equifax Canada and provided to you via the myEquifax platform by Equifax Canada in coordination with its affiliate, Equifax Consumer Services LLC, a U.S. company and your data will be stored in the United States. While this score is similar to scores usually communicated to lenders who request it, it is being provided to you for your own educational use. Please keep in mind third parties may use a different score when evaluating your creditworthiness and will consider items other than your credit score, such as information on your credit file and information you provide in your application for credit. You can also receive this Equifax credit score by mail, by phone or in person directly from Equifax Canada.

2 The Equifax credit report provided under the offers described herein is an Equifax Canada credit report, which is proprietary to, and based on information maintained by, Equifax Canada. It is provided to you via the myEquifax platform by Equifax Canada in coordination with its affiliate, Equifax Consumer Services LLC, a U.S. company and your data will be stored in the United States. Under certain circ*mstances, access to your Equifax credit report may not be available. If you have a paid product subscription and a remedy for the failure is not available, the product subscription will be cancelled and a full refund will be made. You can also receive this Equifax credit report by mail or in person directly from Equifax Canada.

3 Identity theft insurance is underwritten by American Bankers Insurance Company of Florida or its affiliates. For residents of Quebec, this feature is not available for new product purchases. However, if you are a resident of Quebec and are redeeming a code, this feature will be included in your Product. The description herein is a summary and intended for information purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage.

4 We will require you to provide your payment information when you sign up. You may cancel during the Free Trial Period without charge. If you do not cancel during the Free Trial Period, we will immediately charge your card $24.95 and will charge the card $24.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds. Only one free trial per customer is available in a 180-day period.

1 We will require you to provide your payment information when you sign up. You may cancel during the Free Trial Period without charge. If you do not cancel during the Free Trial Period, we will immediately charge your card $24.95 and will charge the card $24.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds. Only one free trial per customer is available in a 180-day period.

2 You don't just have one credit score. There are many different credit scores provided by different companies that are used to help predict how likely you are to pay your bills on time. The Equifax credit score provided under the offers described herein a proprietary credit model developed by Equifax Canada and provided to you via the myEquifax platform by Equifax Canada in coordination with its affiliate, Equifax Consumer Services LLC, a U.S. company and your data will be stored in the United States. While this score is similar to scores usually communicated to lenders who request it, it is being provided to you for your own educational use. Please keep in mind third parties may use a different score when evaluating your creditworthiness and will consider items other than your credit score, such as information on your credit file and information you provide in your application for credit. You can also receive this Equifax credit score by mail, by phone or in person directly from Equifax Canada.

3 The Equifax credit report provided under the offers described herein is an Equifax Canada credit report, which is proprietary to, and based on information maintained by, Equifax Canada. It is provided to you via the myEquifax platform by Equifax Canada in coordination with its affiliate, Equifax Consumer Services LLC, a U.S. company and your data will be stored in the United States. Under certain circ*mstances, access to your Equifax credit report may not be available. If you have a paid product subscription and a remedy for the failure is not available, the product subscription will be cancelled and a full refund will be made. You can also receive this Equifax credit report by mail or in person directly from Equifax Canada.

4 Identity theft insurance is underwritten by American Bankers Insurance Company of Florida or its affiliates. For residents of Quebec, this feature is not available for new product purchases. However, if you are a resident of Quebec and are redeeming a code, this feature will be included in your Product. The description herein is a summary and intended for information purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage.

Certain conditions, exclusions and limitations apply to all products, for details please refer to the Terms of Use and your product documentation.

Equifax and the Equifax marks used herein are trademarks of Equifax Inc. © 2021 Equifax Inc. All rights reserved.

Equifax Canada — Free Credit Monitoring (2024)

FAQs

Can I get a free credit report from Equifax Canada? ›

You can request a free copy of your Equifax credit report online, by phone, by mail or in person. If you're requesting by phone, you will be required to enter your Social Insurance Number.

Does Equifax have free credit monitoring? ›

You can sign up for Equifax Core Credit™, which is free and includes a monthly credit score and Equifax credit report. The credit score is a VantageScore 3.0 based on Equifax data. A VantageScore is one of many types of credit scores.

Is Equifax Canada and US the same? ›

The Equifax group of companies includes Equifax Canada Co., which is a registered Canadian credit bureau that maintains Canadian credit report information, and Equifax Information Services LLC, which is a credit bureau that maintains U.S. credit report information.

What happened to Equifax Canada? ›

Equifax Canada systems were not affected. We found no evidence of unauthorized activity on Equifax's core consumer or commercial credit reporting databases. Equifax Canada systems and platforms are entirely separated from those impacted by the Equifax Inc. cybersecurity incident.

How much does Equifax cost in Canada? ›

You can also request a free copy of your credit report by phone, by mail or in person. Equifax also offers daily access to credit scores and other features via a subscription, at a cost of $24.95 per month, after a 30-day free trial.

Who uses Equifax Canada? ›

Here are Canada's major banks and credit card companies that use Equifax.
  • TD Canada Trust (TD Bank)
  • CIBC (Canadian Imperial Bank of Commerce)
  • Desjardins.
  • Meridian Credit Union.
  • HSBC.
  • Borrowell.
  • Chase Canada.
Sep 27, 2023

Can Canadians use Credit Karma? ›

For your security, Credit Karma is currently not available abroad on mobile web or app, and it is unavailable in some countries on desktop web. You can only access your account via the Credit Karma app and mobile web while in Canada and the U.S., including Puerto Rico.

How much does credit monitoring cost in Canada? ›

Credit Monitoring Services In Canada
Monthly FeeCredit Building
Equifax$19.95 or $29.95No
Marble Premium$29.99Yes
BorrowellFreeNo
FirstReport$12.99 or $19.99No
1 more row
Jan 23, 2023

How much does Equifax charge for credit monitoring? ›

Equifax Credit Monitor™

$4.95 per month. Cancel at any time; no partial month refunds.

Does the US recognize Canadian credit scores? ›

Even though the credit bureaus Transunion and Equifax operate in Canada and the US, they cannot share data between the two countries. This is due to privacy laws and the fact that data is reported and tabulated differently in each country.

Is TransUnion or Equifax better Canada? ›

The truth is both reports can be accurate and valuable for monitoring your financial well-being. Neither credit bureau score is more accurate or more valuable than the other. They're just different in how they calculate credit scores and how they generate the final credit report.

Is it possible to get a 900 credit score in Canada? ›

In Canada, according to Equifax, a good credit score is usually between 660 to 724. If your credit score is between 725 to 759 it's likely to be considered very good. A credit score of 760 and above is generally considered to be an excellent credit score. The credit score range is anywhere between 300 to 900.

Does Equifax Canada affect credit score? ›

While pulling your Equifax credit report, or a credit score based on the information in it, will generally result in a soft inquiry, it will not affect your credit scores. If you see information on your credit report that appears to be inaccurate or incomplete, you can contact Equifax for free and we will look into it.

Who owns Equifax Canada? ›

Owned by Equifax of Atlanta, Georgia, Equifax Canada is based in Toronto, Ontario. Equifax Canada, Inc.

Why do I have a hard inquiry from Equifax Canada? ›

A hard inquiry occurs when a lender or company makes a request to review your credit reports as part of the loan application process.

How to download Equifax Canada credit report in PDF? ›

Follow these easy steps to download your report:
  1. Log in to myEquifax.
  2. Click on the Credit Report link in the left navigation menu.
  3. Click on the red PDF Download / PRINT button in the top right of your screen.
  4. A PDF of your Equifax Canada credit report will be downloaded and saved in your computer's downloads folder.

How do I get my full credit report from Equifax? ›

Phone: Call (877) 322-8228. You will go through an identity verification process over the phone, and your Equifax credit report will be mailed to you within 15 days. Mail: Download the annual credit report request form (requires an Adobe viewer).

Is it safe to get credit report from Equifax? ›

Checking your credit score will not have an affect on it. Requesting a copy of your credit report or checking your credit score is known as a “soft inquiry.” Soft inquiries are not visible to potential lenders when they view your credit report; however, they may remain visible to you on your report for 12 to 24 months.

How much does it cost to get credit score from Equifax? ›

Equifax Complete™

$19.95 per month. What you need to know: The credit scores provided are based on the VantageScore® 3.0 model.

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