1. What are credit monitoring and identify theft protection services?
2. How can I find out if my immediate family members (spouse, children, parents) are eligible for these services?
3. Your website is telling me that I am not eligible for credit monitoring and identity theft restoration services. What does this mean?
4. The registration page for the Equifax Complete™ Premier service is not accepting my activation code. What is wrong?
5. The registration page for the Equifax Complete™ Premier service has accepted my code and I have completed the application form, but I’ve been told there is a problem activating my account. Why is this happening and what should I do?
6. Why does the application for the Equifax Complete™ Premier service ask me to provide so much personal information?
7. I already have an active Equifax Complete™ Premier account. What should I do?
8. I have an active credit monitoring service with another credit monitoring agency. What should I do?
9. Why is FNHA only providing me with the Equifax Complete™ Premier service, but not the service offered by the other Canadian credit reporting agency, TransUnion?
10. I understand that FNHA employees were provided with the TransUnion service. Why did FNHA switch to the Equifax Complete™ Premier service for the notification to First Nations community members?
11. My status number is permanent and can’t be changed. Why is FNHA providing me with only 24 months of credit monitoring and identity theft restoration services?
Credit monitoring services monitor your credit file on a continuous basis and send you alerts by email when inquiries are made on your file and/or new accounts are opened, as well as monthly reports. This gives you the ability to confirm if a credit inquiry or new account is one that you know about and authorized or to take action if it is not.
Please note that this service is provided to you entirely by email and is only effective if you regularly review and act on the alerts and reports that you receive. The credit reporting agency, Equifax, knows what activity is happening on your credit file, but not whether you authorized that activity. This means that you need an email address to access credit monitoring and to receive and review the alerts and reports.
Identity theft protection services includes both $1 million in identity theft insurance and professional support to help you take the necessary steps to restore your identity.
If you are assisting a parent, spouse or other family member to determine whether they are eligible for these services, please click
here and follow the instructions on the page.
If you have children who are minors, please note they are not eligible for credit monitoring services because they do not have a credit file that can be monitored by Equifax.
If you have followed all the instructions to determine whether you are eligible for the services, including ensuring that you have entered your first name correctly, and you do not receive an activation code, it means that your status card number was not impacted by FNHA’s cybersecurity incident. This is good news.
Please make sure you have entered your activation code correctly as it appeared when you received it. If you have lost your activation code, or if you want to confirm that you are using the correct activation code, you can re-enter your information on the
eligibility webpage and re-access your activation code.
If you did not follow the link that was provided to you at the same time as your activation code, please make sure that you are on the Equifax Canada enrolment website by clicking
here.
There should be a pop-up screen that directs you to call Equifax – please use the number in that pop-up window as it can vary based on the nature of the issue you encountered.
Given the very sensitive information that is contained in a credit file, Equifax needs to be absolutely sure it is you requesting access to your credit file. Please note, FNHA does not receive a copy of any of the information that you will be asked to enter to register for the Equifax Complete™ Premier service. That enrolment website is controlled by Equifax and FNHA has no access to it.
Equifax gives you the option of entering your Social Insurance Number on the enrolment site. You do not have to provide this information to Equifax if you don't want to. Please know that if you have a credit file, Equifax already has your SIN. They ask for it on the enrolment site because it speeds up the enrolment process by making it easier to authenticate your identity.
If you already have an active Equifax Complete™ Premier account, you can use your new activation code to extend the coverage of the existing account by logging in to your myEquifax account, checking the appropriate box, and entering your new activation code. This will automatically add 24 additional months of service to your existing account, starting from the date your existing service expires.
It is fine to have both accounts, and the alerts and reports you will receive from each agency will contain a lot of the same information.
If your active credit monitoring service with the other agency will expire before February 2025, you may wish to wait before you activate your Equifax Complete™ Premier account. Once you receive your activation code, you have until
February 28, 2025 to enrol in the service. If you plan to delay activating your account, we suggest that you chose the option to have Equifax email you a copy of your activation code and the link to the enrolment site.
There is limited additional protection to having credit monitoring services from both agencies at the same time. If a new account is opened in your name by a credit-granting company, by law this must be reported to both Equifax and TransUnion. You will receive an alert about the new account, as well as a monthly report, whether you are using one service or both.
We were able to send direct notifications containing personal activation codes to FNHA current and former employees because we had their contact information readily available.
We are not able to issue a direct notification to everyone whose status card number was impacted because we do not have personal contact information for many people. Equifax offers an online lookup tool that allows you to quickly determine whether you are eligible for credit monitoring and, if so, receive your activation code immediately so that you can enrol for the Equifax Complete™ Premier account without delay. This online lookup tool is unique to Equifax and is the fastest way to give you access to their services.
The credit monitoring and identity theft restoration services offered by Equifax and TransUnion are very comparable. Both services have 24-month terms and offer $1 million in identity theft insurance.
We have followed the advice of third party cybersecurity experts and the credit reporting agencies in selecting the 24-month term for these services, which is the market standard in Canada where information such as a SIN or a status number has been impacted by a cybersecurity incident. We have also made sure that the OIPC BC is aware of exactly what we are offering to impacted individuals.