In Canada, the higher your credit score, the more exposed you may be.
Fraudsters no longer focus only on people with bad credit. They exploit your clean record — forging documents, opening accounts in your name, applying for loans — until a collection call arrives and you discover debts you never incurred. According to an Equifax survey from early 2026, nearly three in ten Canadians have grown numb to the constant barrage of scam attempts, and more than a quarter simply delete suspicious messages without verifying them. At the same time, six in ten respondents believe they are most vulnerable to fraud online.
If you only check your credit report before buying a house or a car, you have no idea what happened in between.
**Equifax Complete™ Premier** is built to fill that gap.
**It’s not just a score-checking tool — it’s a round-the-clock credit and identity monitoring system:**
– **Daily credit report and score updates**: Every time you log in, you see the latest version — not a snapshot from a month ago. You can track the movement of your Equifax credit score over time.
– **Email alerts for key changes**: The moment someone makes a credit inquiry or opens a new account in your name, or your score shifts unexpectedly, you’ll be notified. This is the most direct way to catch identity theft early.
– **WebScan for the dark web and suspicious sites**: Equifax scans questionable fraud sites. If your credit card number, bank account number, or SIN appears on one, you’ll be alerted immediately.
– **Dedicated identity restoration specialist**: If the worst happens, you don’t face the phone calls and paperwork alone. A specialist handles the recovery process on your behalf and helps you contact the relevant institutions.
– **Up to $1,000,000 in identity theft insurance**: Covers out-of-pocket expenses such as legal fees, court document costs, replacement of documents, and lost wages (terms differ for Quebec residents).
– **Lost wallet assistance**: If you lose your wallet, Equifax helps you cancel and replace bank cards, credit cards, and government documents — saving you the hassle of contacting each institution one by one.
**What you need to know about the price:**
Equifax currently offers a **first 30 days for $4.95**, then **$24.95 per month**, cancel anytime (no pro-rated refund for the current month upon cancellation). For less than the price of a coffee, you get a month of daily vigilance over your credit report.
Some will say: can’t I get a free credit report once a year? Yes, you can. But the free report must be requested proactively, it doesn’t include your score, and it comes with no alerts or monitoring. By the time it arrives, fraud may have been underway for months. A paid subscription buys you **the time gap** — knowing what happened before the damage spreads.
**Who this is for:**
– Anyone planning to apply for a mortgage, car loan, or new credit card soon (make sure your report is clean before a lender pulls it)
– Anyone who has lost a wallet or ID, or suspects their personal information has been compromised
– Anyone who simply doesn’t want to receive a collection call on an ordinary Tuesday
👉 **[Claim your $4.95 first-month trial and start monitoring your credit daily]**
*Terms and conditions apply. Certain features (such as credit lock and identity theft insurance) are subject to special rules for Quebec residents — see the website for details. You can cancel your Equifax Canada subscription at any time; the current month’s fee is not pro-rated upon cancellation.*
