Identity Protection

All Desjardins and UNI members are protected against identity theft at no charge to them and without need to sign up.

3 components of Identity Protection


Protection
Your accounts and assets at UNI are fully protected against unauthorized transactions.

Support
If your personal information is used fraudulently, you'll get individual support from Desjardins and UNI experts throughout the identity recovery process.

Reimbursement
If your identity is stolen, you'll be reimbursed up to $50,000 for certain eligible expenses incurred to restore your identity.

Today's digital age offers a number of exciting new advancements, but also comes with its share of risks. That's why we want to offer our members everything we can to make sure their information is safe.

Learn more about the Identity Protection for UNI member.

Equifax credit monitoring service

All members are eligible for five years of Equifax credit monitoring service at no charge to them.

Former members and former clients who have received point-of-sale or credit card financing are eligible for five years of Equifax Complete? Premier service at no charge.

TO GET YOUR EQUIFAX ACTIVATION CODE

Are you an active AccèsD member?
You will receive your Equifax activation code automatically by December 31, 2022, via your AccèsD message box. You will then have until March 31, 2023, to activate your Equifax service.
OR
Are you a member but do not have AccèsD, or are you a former member?
Request your Equifax activation code now by clicking below.
GET ACTIVATION CODE

Equifax alerts

If you've signed up for credit monitoring from Equifax, you'll be informed automatically of any changes or events related to your credit report.

Different types of alerts you may get from Equifax and what they mean

Learn more

Visit the Security section of our website
Learn more about how to improve your online security practices.
What is identity theft?
How to protect yourself against identity theft.

How to reach us

Personal
1 800 224-7737
Daily 9:00 am - 9:00 pm
Business
1 888 233-2473
Monday to Friday 8:00 am - 8:00 pm
Saturday and Sunday 8:30 am - 8:30 pm

To find answers to common questions, see our FAQ.

This service lets you check your credit file, including financial commitments you have to any financial institutions. It also includes daily monitoring of your credit file, alerts of key changes, and identity theft insurance.

If you already use AccèsD, you will receive an activation code in your AccèsD message box by January 31, 2020. You will then have until March 31, 2021, to visit the Equifax website and register for this service.

To activate the service, you must have an e-mail address, be a Canadian resident, have a credit file and be at least 18 years of age.

To find out more about how to sign up for the Equifax credit monitoring service, see our guide.

The UNI solution is a Member Advantage, at no cost, without inscription. It includes identity recovery assistance and compensation of up to $50,000 for certain expenses if your identity is stolen. Psychological assistance will also be provided to members who request it.

The 5-year Equifax credit monitoring service is an added component of UNI identity protection and is offered to members using AccèsD. It allows you to check your Equifax credit file. In addition, Equifax will monitor your file and send you alerts of key changes. This service also includes identity theft insurance.

Visit the identity theft section of our website. It has tools and tips to help you navigate today's digital world.

The Equifax credit monitoring service needs to be activated online, and it allows you to check your credit file online and receive email alerts. That's why it's only available to those who use UNI's online services.

In order to sign up for the Equifax credit monitoring service, you must:

  • Have a Canadian mailing address (P.O. boxes don't count)
  • Have an email address
  • Be at least 18 years old
  • Have a credit file (e.g., credit card, mortgage, line of credit)

The codes will be sent out gradually to avoid bottlenecks and limit wait times when people are signing up.

No. The Equifax alert service isn't available for businesses, but they are covered by UNI identity protection.

You'll be able to track your credit with Equifax. What's more, Equifax alerts are a convenient way to see the effect that your financial habits and transactions have on your credit score. It's a handy tool to help you keep track of your finances on your own.

You can cancel your service by contacting Equifax, and they'll also sign you up again upon request using the activation code you received in your AccèsD message box or via postal mail.

 

EQUIFAX ALERTS

Different types of alerts you may get from Equifax and what they mean

If you've signed up for credit monitoring from Equifax, you will be informed by email of any changes or events related to your credit report. You may receive both instant and delayed alerts. It can sometimes take several weeks before an alert is triggered, depending on how quickly a creditor updates your file.

Some of these email alerts are triggered by regular actions you take yourself, like buying a cellphone or financing new furniture.

The emails you receive will only disclose a minimum amount of information about the nature of the alert. To learn more, you will be asked to click a link that will direct you to the Equifax log in page to sign in to your account.

Most alerts simply inform you of regular activity on your credit report.

Alerts help you keep an eye on your credit, so you can act quickly if you spot something suspicious.

To reach Equifax

Phone: 1-877-493-8785

E-mail: canada.support@equifax.com

Alerts you will receive automatically

Each of these alerts will have the following subject line: Equifax CompleteTM Premier Plan Alert

You may receive this alert if you've requested a payment deferral because of the COVID-19 pandemic for:

  • A financing product from a financial institution (for example, your mortgage, credit card or automobile financing)
  • A service you receive from a provider (for example, cable company)
  • Any other product or service eligible for a payment deferral because of the COVID-19 pandemic

What you should do if you did not request a payment deferral because of the COVID-19 pandemic:

  1. Review your Equifax credit report.
  2. If you see a payment deferral request, contact the company who reported the information for further details.
  3. If you believe you did not in any way request this payment deferral, you can dispute it with the company who reported it or initiate a dispute with Equifax.

You may receive this alert if Equifax receives an inquiry to check your credit report for a credit application. Here are some events that could trigger this alert:

  • You get a new cell phone
  • You apply for a new credit card
  • You buy furniture at a store and have it put on a payment plan
  • You rent an apartment or take out a new mortgage loan

What you should do: If you didn't initiate the purchase or credit application:

  1. Review your Equifax credit report.
  2. If you see something you don't recognize, contact the company who reported the information for further details.
  3. If you believe the information is inaccurate, you can dispute it with the company who reported it or initiate a dispute with Equifax.

You may receive this alert if the address in your credit report has been modified.

What you should do: If you do not recognize the new address:

  1. Review your Equifax credit report.
  2. If you believe the information is inaccurate, you can contact Equifax.
  3. You can also check your credit reports with the other two nationwide credit bureau.

You may receive this alert if your name in your credit report has been changed.

What you should do: If you do not recognize the name change:

  1. Review your Equifax credit report.
  2. If you believe the information is inaccurate, you can contact Equifax.
  3. You can also check your credit reports with the other two nationwide credit bureau.

You may receive this alert if new information is added to your credit report, like an asset seizure, a court ruling or a public record.

Your credit report includes a section dedicated to public records, which can be provided by entities such as government departments, financial institutions, collection agencies or bankruptcy trustees.

What you should do: If you do not recognize the public record(s) posted to your credit report:

  1. Review your Equifax credit report.
  2. If you see something you don't recognize, contact the appropriate entity who reported the information for further details.
  3. If you believe the information is inaccurate, you can dispute it with the institution who reported it or initiate a dispute with Equifax.

You may receive this alert if a new bankruptcy is added or modified in your credit report.

What you should do: If you not recognize the bankruptcy information posted to your credit report:

  1. Review your Equifax credit report.
  2. If you see something you don't recognize, contact the appropriate entity who reported the information for further details.
  3. If you believe the information is inaccurate, you can dispute it with the institution who reported it or initiate a dispute with Equifax.

You may receive this alert if a new credit account (loan or credit card) is opened in your name and added to your credit report.

What you should do: If you didn't initiate the credit application for the new account:

  1. Review your Equifax credit report.
  2. If you see something you don't recognize, contact the company who reported the information for further details.
  3. If you believe the information is inaccurate, you can dispute it with the company who reported it or initiate a dispute with Equifax.

Past-due accounts that have been turned over to a collection agency by the creditor.

What you should do: If you do not recognize the collection information posted to your credit report:

  1. Review your Equifax credit report.
  2. If you see something you don't recognize, contact the appropriate entity who reported the information for further details
  3. If you believe the information is inaccurate, you can dispute it with the institution who reported it or initiate a dispute with Equifax.

You may receive this alert if the rating that describes the payment status on one of your credit accounts changes. This might happen if you miss a payment or if a correction is made to your payment history.

What you should do: If you do not recognize the change to your payment status posted to your credit report:

  1. Review your Equifax credit report.
  2. If you see something you don't recognize, contact the company who reported the information for further details.
  3. If you believe the information is inaccurate, you can dispute it with the company who reported it or initiate a dispute with Equifax.

You may receive this alert if a comment is added or modified in your report. For example, "Account closed at the request of the account holder" or "Account paid."

What you should do: If you do not recognize the comments that have been added:

  1. Review your Equifax credit report.
  2. If you see something you don't recognize, contact the company who reported the information for further details.
  3. If you believe the information is inaccurate, you can dispute it with the company who reported it or initiate a dispute with Equifax.



Here are some other types of alerts you may receive.

You may need to request to have some of these activated for your plan. Select the types of alerts you would like to receive in the "Alert preferences" section of your account.

Each of these alerts will have the following subject line: Equifax CompleteTM Premier Plan Alert

You may receive this alert if there were no critical events reported in your credit report in the previous month.

What should you do: No need to take any action at this time.

You may receive this alert if your credit score goes above or below the target you've set in the "Alert preferences" section of your account.

What you should do: No need to take any action at this time. If you don't want to receive these types of alerts, uncheck them in your account settings.

You may receive this alert if your credit score increases or decreases since the last time you have requested it by the number of points you have set up in your "Alert preferences". You can change this number in the "Alert preferences" section of your account.

What you should do: No need to take any action at this time. If you don't want to receive these types of alerts, uncheck them in your account settings.

You may receive this alert if your credit score moves from one score band to another. Credit scores are calculated based on the information in your credit reports. Most consumer score models currently range from 300 to 900 and segment the scores into ranges that show levels of risk (ie, score bands), also known as the risk rate.

What you should do: No need to take any action at this time. If you don't want to receive these types of alerts, uncheck them in your account settings.

If you receive this alert, the subject line will read Equifax WebDetectTM Notification.

You may receive this alert if any of your personal information (social insurance number, credit or debit card number, bank account number) appears on potentially malicious websites (often referred to as the Dark Web).

These alerts are not activated by default as part of your credit monitoring plan. If you would like to receive these alerts, you must activate web monitoring in your account preferences and provide your social insurance number, credit card number, etc so that they can be detected.

What you should do: If you receive this alert, you may review Equifax's education content within the "View alert details/More details" section of the Alerts message.