A new partner offer at Cash Cowboy, powered by Equifax
Someone applies for credit in your name. How soon would you know?
Equifax Complete is a credit monitoring and ID protection subscription. It watches your Equifax credit file, tells you when something changes, and puts a restoration specialist on your side if your identity is misused.
Available to residents of Canada aged 18 and over.
What an alert looks like
Example only
New credit inquiry on your Equifax report
An auto lender checked your file. If that wasn't you, you'll want to look into it today.
Your email address turned up in dark web monitoring
Found on a site where personal information is suspected of being bought and sold.
New account opened in your name
A credit card was added to your Equifax report this morning.
Your Equifax credit score updated
Scores refresh daily, so you're always looking at the most current one.
Illustrative alerts. Yours reflect activity on your own Equifax credit file.
Monitoring, alerts, and a way back
Every Equifax Complete plan is built as one product: credit monitoring first, with ID protection and recovery services attached to it.
Your credit file, watched daily
Your Equifax credit score and report update every day, with score trending so you can see which direction things are moving.
Alerts that reach you fast
You're told about new credit inquiries, new accounts, and changes to your score. Dark web monitoring searches thousands of sites for your details and notifies you when your information shows up.
A specialist if it goes wrong
A dedicated Identity Restoration Specialist works on your behalf to help restore your identity, plus up to $1 million in identity theft insurance.
Equifax Complete helps you spot the signs of fraud faster and helps you recover. Identity theft insurance is not available as part of new product purchases for residents of Quebec.
Four plans, two questions
Is it just you, or you and another adult? And do you want online security tools alongside the credit monitoring?
Credit monitoring and ID security
Monitoring, alerts, and restoration services for your Equifax credit file.
Equifax Complete™ Premier
One adult
$24.95 per month, CAD
- Alerts on new credit inquiries and new credit accounts
- Equifax credit score and report updated daily, with score trending
- Dark web monitoring
- Identity restoration with a dedicated specialist
- Up to $1 million in ID theft insurance (except Quebec)
Credit monitoring with online security added
The same credit monitoring and restoration services, with device protection, VPN, parental controls, and a password manager layered on top.
Equifax Complete Protection
One adult
$34.95 per month, CAD
- Device protection and parental controls on 3 devices
- VPN for 10 devices and a password manager
- Social media and dark web monitoring
- Credit monitoring and alerts to help you detect fraud faster
- Identity restoration specialists and up to $1 million in ID theft insurance (except Quebec)
Credit monitoring and ID security
Monitoring, alerts, and restoration services for your Equifax credit file.
Equifax Complete™ Friends and Family
Two adults
$34.95
per month, CAD
- Everything in Premier, for two adults
- Add a second adult of your choice at a 60% saving compared with two separate Premier subscriptions
- Dark web monitoring for both adults
- Identity restoration for both adults
- Up to $1 million in ID theft insurance (except Quebec)
Credit monitoring with online security added
The same credit monitoring and restoration services, with device protection, VPN, parental controls, and a password manager layered on top.
Equifax Complete Protection for Family
One adult
$44.95 per month, CAD
- Device protection, parental controls, and VPN on up to 10 devices in your household
- Dark web monitoring, social media monitoring, and a password manager for two adults
- Credit monitoring with alerts helps two adults detect fraud faster
- ID Restoration Specialists help two adults recover from ID theft
- Two adults each receive up to $1 million in ID theft insurance (except Quebec)
Prices shown are the regular monthly rates in Canadian dollars. Identity theft insurance is not available as part of new product purchases for residents of Quebec.
The months when your file gets busy
Fraud is easiest to miss when a lot of legitimate activity is already happening. These are the stretches worth watching closely.
You're moving
A change of address means mail goes astray and new accounts get opened at once. Daily updates tell you which of them you actually asked for.
You're buying or leasing a car
Dealerships shop your application around, so several lenders may check your file in a week. Alerts let you match each inquiry to a real conversation.
You're planning for what's next
If you're building or protecting wealth, your credit report is part of the picture. Score trending shows the direction of travel, not just today's number.
Equifax Complete helps you spot the signs of fraud faster and helps you recover. Identity theft insurance is not available as part of new product purchases for residents of Quebec.
Before you subscribe
The answers people ask us for most often.
Can I cancel?
Yes. You can call to cancel at any time. There are no partial month refunds, so your subscription runs to the end of the month you’ve paid for.
Does this stop identity theft from happening?
No, and no product can. What Equifax Complete does is help you spot the signs of ID theft or fraud faster, and help you recover if it happens, through identity restoration services and ID theft insurance.
What is dark web monitoring actually searching?
Equifax searches thousands of sites where consumers’ personal information is suspected of being bought and sold. That can include credit card numbers, email addresses, bank account numbers, or your Social Insurance Number if you provide it. When your information is found, you’re notified so you can act quickly.
How much identity theft insurance is included?
Up to $1 million per covered adult. This feature is not available as part of new product purchases for residents of Quebec.
Who can subscribe?
Equifax Complete is available to residents of Canada aged 18 and over.
