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.
For those individuals who had their status card numbers affected by the cyber incident, FNHA offered free 2-year access to Equifax Complete™ Premier, which included credit monitoring and identity theft services. The deadline to register for this service was February 28, 2025. This deadline has now passed, and no complementary activation codes are available for issue.
If, after February 28, 2025, you wish to obtain credit monitoring and identity theft services, please contact Equifax® Canada or TransUnion® Canada directly to inquire about their consumer products, which will be at your own cost.
Unfortunately, in Canada, minors are not eligible for credit monitoring services because they do not have a credit file with either Equifax or TransUnion that can be monitored. However, the below protective steps are recommended by cybersecurity experts, including the Centre for Canadian Cyber Security, for minors, if personal information has been impacted by a cyber incident:
- Regularly (at least once per month) monitor financial account statements (e.g. bank account statements) for unusual activity and immediately report unusual activity to your bank;
- Don’t overshare information online, especially when it comes to information about your family;
- Be alert to any unusual or suspicious email or telephone communications that you might receive and do not provide your passwords or banking PINs to anyone. Do not provide anyone who calls or emails you with any other type of your personal information unless you are absolutely certain who you are communicating with;
- If you haven’t changed your passwords on your various accounts in a long time, change them now. Use complex passwords that include letters, numbers and symbols. Do not use the same password across multiple accounts (e.g. email, online bank accounts and social media accounts);
- Make sure that your use the available security features (like passwords) on all connected devices in your home, including phones, tablets, tvs, toys, video game consoles and exercise equipment, and install available security updates on all of these devices as soon as possible when they become available;
- Do not open attachments or click on links in emails that you aren’t expecting to receive, even if they look like they are coming from someone you know. If possible, call the person and confirm that the email is valid. Do not call a number that is set out in an email if you don’t recognize that number. Look up the number in a separate directory;
- If you confirm that you are the subject of identity theft, promptly report this to your local police and obtain the police file number. You can also contact the Canadian Anti-Fraud Centre at 1-888-495-8501 or online
here; and
- Further tips are available from the Centre for Canadian Cyber Security, starting with an introduction to cyber security for kids, which you can access
here.