Comparison
Check & Monitor Your Credit Report and Credit Score | Equifax vs TransUnion
Check & Monitor Your Credit Report and Credit Score | Equifax and TransUnion both land on Depends.
equifax.ca
Pay only if you want automated alerts and identity-theft monitoring; for a one-off check, request your free Equifax disclosure instead.
Read the full report
transunion.com
Consumers: use the free reports and credit freeze, but do not pay for the monitoring subscription . users say free rivals do it better.
Read the full report
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Check & Monitor Your Credit Report and Credit Score | Equifax versus TransUnion| Compare | Check & Monitor Your Credit Report and Credit Score | Equifax | TransUnion |
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| Verdict | Depends | Depends |
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| Best for | Canadians applying for a mortgage or loan | Lenders and banks pulling credit |
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| Who it's not for | Anyone wanting a one-time look . free disclosure covers it | Anyone considering a paid monitoring subscription |
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| Privacy | Historical 2017 Apache Struts breach widely referenced; current personal products are credit data, not security software. | Breached in 2025: 4.4M+ customers exposed via third-party API; prior ransomware-linked leak also reported. |
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| Support quality | Phone line exists but reaching people is a known pain | Among most consumer-complained-about financial firms |
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| Public sentiment | No structured review data exists; scattered Facebook posts describe frustrating, slow credit-report disputes. | Users value the free reports but routinely complain about support, disputes, subscriptions, and site usability. |
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| Biggest gotcha | 2017 Apache Struts breach (CVE-2017) still referenced in security discussions | Paid monitoring adds little over free services like Borrowell, per users. |
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Pick Check & Monitor Your Credit Report and Credit Score | Equifax when
- Canadians applying for a mortgage or loan
- Identity-theft monitoring seekers
- Anyone needing their official Equifax file
When Check & Monitor Your Credit Report and Credit Score | Equifax is not a fit
- 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
Pick TransUnion when
- Lenders and banks pulling credit
- Landlords screening tenants (SmartMove)
- Consumers wanting free bureau reports
When TransUnion is not a fit
- Anyone considering a paid monitoring subscription
- Consumers who just need a score . free tools suffice
- Small teams expecting SaaS-style support and disputes
- Privacy-sensitive buyers uneasy with bureau data collection
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