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VERDICT

Should I use Check & Monitor Your Credit Report and Credit Score | Equifax?

Equifax, a nationwide credit bureau, offers online access to your Equifax credit score and report, credit monitoring, alerts and identity theft protection tools. - equifax.ca

Depends. Pay only if you want automated alerts and identity-theft monitoring; for a one-off check, request your free Equifax disclosure instead. Evidence is thin with no structured user reviews, so confidence is low.

Confidence

Low. Based on ~8 usable public sources; no structured user reviews found, so confidence is low.

Ratings

  • Value for money
  • Ease of use
  • Feature depth
  • Support quality
  • Security posture

Pricing

$0

Free disclosure

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierYes
Complete Premier$9.95/mo

Best for

  • Canadians applying for a mortgage or loan
  • Identity-theft monitoring seekers
  • Anyone needing their official Equifax file

Not for

  • Anyone wanting a one-time look — free disclosure covers it
  • People expecting monitoring to prevent identity theft — it only alerts after
  • US consumers — this is the Canadian site
  • Anyone avoiding another monthly subscription

Gotchas - check before you buy

high

2017 Apache Struts breach (CVE-2017) still referenced in security discussions

medium

$9.95/mo largely duplicates what your free annual disclosure already shows

medium

Dispute resolution is slow — users document needing repeated, patient follow-ups

medium

Reaching a live support person is a common consumer complaint

Pros and cons

Pros

  • Free annual Equifax credit report (disclosure) available on request
  • Nationwide bureau data — the same file Canadian lenders pull
  • Alerts and identity theft protection tools included in paid plans
  • Live phone support with weekday and weekend hours

Cons

  • Users report ongoing report errors needing slow, patient follow-up
  • Score access and monitoring sit behind a $9.95/month paywall
  • Breaches are the top identity theft cause; monitoring is reactive only

Sources & method

Analyzed 9/24/2026 - 8 sources - Historical 2017 Apache Struts breach widely referenced; current personal products are credit data, not security software.

official x2review x1security x1news x4
  • 2017 Apache Struts vulnerability (CVE-2017), A major historical Equifax breach via Apache Struts remains a widely referenced security topic in public discussions of the company.

Key stats

  • Value for money: 2/5

    Rating

  • $0

    Starting price

  • 8

    Sources

  • Analyzed

  • Value for money: 2/5. Free disclosure exists; paid tier adds alerts only
  • Ease of use: 2/5. Users report slow, frustrating dispute processes
  • Feature depth: 4/5. Scores, reports, alerts, identity protection included
  • Support quality: 2/5. Phone line exists but reaching people is a known pain
  • Security posture: 2/5. Major 2017 breach still shadows its reputation
  • $9.95/mo Paid monitoring Equifax Complete Premier
  • Yes Free tier Credit report disclosure by request
  • 1-800-871-3250 Support line Mon–Fri 9–9 ET, weekends too

Pricing

Free disclosure

$0

  • Full Equifax credit report on request
  • No score or monitoring

Complete Premier

$9.95/mo

  • Credit score and report monitoring
  • Alerts
  • Identity theft protection tools

Security

Historical 2017 Apache Struts breach widely referenced; current personal products are credit data, not security software.

  • 2017 Apache Struts vulnerability (CVE-2017)A major historical Equifax breach via Apache Struts remains a widely referenced security topic in public discussions of the company.³

What users say

No structured review data exists; scattered Facebook posts describe frustrating, slow credit-report disputes.

Alternatives

Compare Check & Monitor Your Credit Report and Credit Score | Equifax with each alternative.

  • Borrowell

    Guess: free Equifax score updates, weekly refresh

Full analysis

Based on ~8 usable public sources; no structured user reviews found, so confidence is low.

Free report: yes. Paid monitoring: optional. $9.95/mo buys alerts, not protection — most Canadians can skip the subscription.

Methodology

Based on ~8 usable public sources; no structured user reviews found, so confidence is low.

Sources

  1. Equifax Canada personal products pageequifax.ca
    official
  2. Credit score, report and monitoring product pageequifax.ca
    official
  3. Equifax security discussions including 2017 Struts CVEcostcomustbuy.mediatagtw.com
    security
  4. How can I get a free Equifax credit report?quora.com
    news
  5. How can I talk to a live person at Equifax, Canada?quora.com
    news
  6. Ongoing Credit Report Issues with Equifax – Need Advice!facebook.com
    review
  7. Identity theft data breach research (Ratehub)facebook.com
    news
  8. Identity theft causes (Island Savings)facebook.com
    news

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