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.

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.

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 WebDetect^TM 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.