Equifax
    home     activate     login      français  
 
   
   
FAQs
 

Frequently Asked Questions


How do I update my e-mail address?
How do I change payment methods?
How secure is the Equifax Credit Watch™ Web site?
How are credit reporting agencies regulated?
What is your Privacy Policy?
How do I contact Customer Service?
What should I do if I am a victim of identity theft?
What is the Consumer Fraud Resource Centre?
All About Credit Reports


How do I update my e-mail address?

You can change your e-mail address by accessing the Account Information menu item on this site.


Back to top


How do I change payment methods?

To change your method of payment for your Equifax Credit Watch™ membership, please contact us at 1-866-892-2595.


Back to top


How secure is the Equifax Credit Watch™ Web site?

Very. This Web site uses the most advanced encryption technology available: 128-bit encrypted Secure Sockets Layer (SSL) keeps your personal information, including credit card number, secure from unauthorized access. Netscape 4.0 and higher, Microsoft Internet Explorer 4.0 or higher, and most frame-enabled browsers support SSL.

When you begin a transaction, the rest of your visit will take place on our secure server. You will see a small key or padlock in the bottom right corner of your browser if you are using Netscape or Microsoft browsers, indicating that your transaction is secure.

To further ensure that our efforts in implementing our security policy are valid, we engaged TruSecure Corporation, an internationally recognized security firm, to conduct a security audit known as a Web Certification.


Back to top


How are credit reporting agencies regulated?

Federal and provincial privacy and credit reporting regulations grant consumers important rights regarding credit files and related matters, although these regulations vary by province. As well, information provided by credit reporting agencies also varies by agency. Generally speaking, by law you have the right to:

  • Know what your credit file contains
  • Be told by a credit reporting agency the nature, substance, and sources of the information
  • Have information deleted that cannot be verified
  • Receive a free copy of your credit file by mail, if you request in writing and include acceptable photocopied identification
  • Have derogatory, credit-related information deleted after seven years (may vary by province and credit reporting agency)
  • Review your credit file
  • Know who has received your credit file in the past year
  • Include a brief written statement as a part of your credit file
  • Have disputed information investigated at your request
  • Know the name and address of the credit reporting agency responsible for preparing a credit file used to make a decision regarding your credit, insurance or employment


Back to top


What is Your Privacy Policy?

Scope

Equifax logo

Equifax Canada Privacy Policy at a Glance
This statement applies to consumer credit information collected, used and disclosed by Equifax Canada Co.
Personal Information
  • We collect consumer credit information, as it is defined by applicable law, which may include: name, date of birth, marital status, social insurance number, current and previous places of employment, estimated income, paying habits, outstanding debt obligations and cost of living obligations.
  • Consumer credit information does NOT include information about: medical history, the name of a spouse, partner or dependent, race, colour, creed or religion, or commercial enterprises.
  • Consumer credit information is collected from credit grantors, public records, collection agencies, and the consumer.
Users
  • We disclose consumer credit information to Equifax customers that have a purpose for using it that is permitted applicable laws and who have your consent to receive it.
  • Equifax may be required to disclose consumer credit information if a law, regulation, or court order legally obliges us to.
Your Choices
  • You may request a copy of your credit report for free by mail, fax or toll-free phone, or online for a fee.
  • If you believe any information in your credit file is inaccurate or incomplete, we will contact the source of information to verify it, and will make any necessary corrections.
  • You may include a brief written statement in your credit file to be included on any future credit report.
How to Contact Us
If you have a specific question or concern about your credit file, please contact:
Consumer Relations
Equifax Canada Co.
Box 190 Jean Talon Station
Montreal, QC H1S 2Z2
Tel: 514 493 2314 or
1 800 465 7166
If you have a general question about Equifax's commitment to personal privacy, please contact:
Chief Privacy Officer
Equifax Canada Co.
5650 Yonge St., 13th Floor
Toronto, ON M2M 4G3
chief.privacy.officer@equifax.com


Back to top


How do I contact Customer Service?

You can call us toll free at 1-866-892-2595, Monday - Sunday, 8:00 a.m. – 12:00 a.m., Eastern time.

Back to top


What should I do if I am a victim of identity theft?

If you are an Equifax Credit Watch™ member, call us immediately at 1-866-892-2595.

Report the crime to the police immediately. Get a copy of your police report or case number. Credit card companies, your bank, and the insurance company may ask you to reference the report to verify the crime.

Immediately contact your credit/debit card issuers. Get replacement cards with new account numbers and ask that the old account be processed as "account closed at consumer's request" for credit record purposes. You should also follow up this telephone conversation with a letter to the credit/debit card company that summarizes your request in writing.

Call the fraud units of the three national credit reporting agencies and ask that your accounts be flagged for identity fraud.

Equifax Canada Co. – Fraud Services
Box 190 Jean Talon Station
Montreal, Quebec H1S2Z2
Phone: 800-465-7166
Fax: 514-355-8502

Trans Union of Canada Inc.,
Consumer Relations Center
P.O. Box 338 LCD 1
Hamilton, ON L8L 7W2
Phone: 866-525-0262

Contact info for Northern Credit Bureau

Bureaux De Credit Du Nord Inc
336 Boulevard Rideau
Rouyn-noranda, QC J9X1P2
(819) 762-4351
(819) 762-0675 (fax)
1(800) 532-8784 (toll-free)

Keep a log of all conversations with authorities and financial entities. And follow-up! Make sure that all creditors or credit bureaus have received what they need from you.

Contact Phonebusters National Call Centre. Phonebusters is the central assistance center set up by the Ontario Provincial Police to assist victims of fraud and identity theft. They also play a vital role in the collection and dissemination of victim evidence, documentation, statistics and tape recordings to outside investigations.

Phonebusters
Phone: 888-495-8501
Fax: 705-494-4008
Toll-Free Fax: 888-654-9426
Email: info@phonebusters.com

Review your reports regularly and make sure all changes you requested have been effected.

By all means, give us a call at 1-866-892-2595 and our trained Fraud Specialists will help you out.


Back to top


What is the Consumer Fraud Resource Centre?

Credit Protect's Consumer Fraud Resource Centre is a valuable resource that guides you through the process of restoring your true credit standing should you become a victim of identity theft.


Back to top


All About Credit Reports


What is a credit bureau?
How do the credit bureaus obtain information?
Do all credit bureaus have the same information on file?
Who can look at my credit report?
How long does information stay on my credit report?
At what age do credit-reporting agencies start recording a person's credit history?
Why should I check my credit report?
How often should I check my credit profile?
How do I dispute inaccurate information?
What is a Public Record?
What are Collection Items?
What are inquiries?
How long does it take for a closed account to be removed from my credit file?

Back to top


What is a credit bureau?

Credit bureaus or credit reporting agencies are basically clearinghouses for information about consumers' credit. When you apply for credit, they provide this information to qualified requestors. There are two main credit bureaus in Canada: Equifax Canada Co. and Trans Union of Canada Inc.


Back to subtop


How do credit bureaus obtain information?

Credit bureaus collect information from banks, credit unions, finance companies, utility companies, and retailers about your credit, which they store in a computer database.


Back to subtop



Who can look at my credit report?

Federal and provincial laws are very specific as to who can review your credit file and for what purpose. An individual or company may only obtain a copy of your credit file with your consent or after having told you that they will be reviewing your file. A company must have a legitimate business reason and a permissible purpose, as stated in government regulations, to obtain your credit file. A credit reporting agency may only provide a copy of your file when the request relates to a permissible purpose as provided for under law.


Back to subtop


How long does information stay on my credit report?

Generally, information remains on your credit file for seven years.


Back to subtop


At what age do credit-reporting agencies start recording a person's credit history?

Credit Reporting agencies will only accept information on individuals 16 years and older.


Back to subtop


Why should I check my credit report?

Just as you have medical and dental check-ups periodically, so should you check your credit report. Knowing what's on your credit report arms you with the information you need – your credit standing – when trying to secure favorable rates for a mortgage or other loan. Also, if you regularly check your credit report, you can guard against identity theft, the fastest-growing crime in the country.


Back to subtop


How often should I check my credit profile?

With the growth of identity theft, experts recommend checking your credit report at least twice a year (every few months if you have been a victim of identity theft.) That way, when there's a change you don't recognize, you can take steps to halt what could be illegal pilfering of your personal information.


Back to subtop


How do I dispute inaccurate information?

Immediately contact the credit bureau that reported the inaccurate information. Each bureau has specific information they require to begin an investigation on an item in dispute. The dispute process can take up to 30 days.


Back to subtop


What is a Public Record?

Public records include information on tax liens, lawsuits, bankruptcies and judgments that relate to the consumer's debt obligations. Most public record items are listed for seven years including successfully completed bankruptcies. A second bankruptcy can remain on your file indefinitely.


Back to subtop


What are Collection Items?

Collection items are accounts sent to a collection agency, which are listed in your credit report for seven years from the date the account became delinquent.


Back to subtop


What are inquiries?

Companies that have requested your credit file within the past three years.


Back to subtop


How long does it take for a closed account to be removed from my credit file?

The file will be updated in 30 and 60 days, but generally negative information stays on for seven years from date of the last activity.


Back to the top of the Page


Home