• It's possible for the 2 credit scores to be slightly different.
• Both credit reporting agencies start off with the same factors, but they use different formulas, weightings and algorithms in their calculations, which may result in different final scores.

• The main difference is Equifax's alert system.
• Equifax's alerts let you know if an inquiry has been made on your Equifax credit report, or if any changes have been made to it.
• Lenders typically declare consumer credit changes to both credit reporting agencies (Equifax and TransUnion).
• As a result, if you're signed up for Equifax credit monitoring, you will automatically be alerted to all changes in your credit score, even if the inquiry was initially sent to TransUnion.

Desjardins Identity Protection automatically covers all Desjardins members and clients. It's one of the advantages of doing business with us!

With Desjardins Identity Protection, your assets and transactions at Desjardins are protected. If your identity is stolen, you'll receive individual support from a team of experts, and you can be reimbursed up to $50,000 for some expenses incurred to restore your identity. Psychological support is also available in these situations for members and clients who request it.

The Equifax credit monitoring service is an added component of Desjardins Identity Protection and is offered to Desjardins members and clients for 5 years. It allows you to check your Equifax credit report. In addition, Equifax will monitor your credit activity and send you alerts of key changes. The service also comes with identity theft insurance.

This service lets you check your credit report, including financial commitments you have with any financial institutions. It also includes daily monitoring of your credit report, including internet scanning with alerts if your personal information is found on a suspected fraudulent website, alerts of key changes, and identity theft insurance.

Because it means you can check your credit report whenever you want. Equifax alerts are also a way to protect yourself—you'll be notified whenever there's activity in your credit file or your score changes. It also makes it easy to see the effect that your purchases and financial habits can have on your credit score. Consider it part of your financial management toolbox!

Yes. They’ll need to complete the Equifax activation code form - This link will open in a new window.. Once they submit their form, they'll receive their Equifax activation code in the mail.

No. The Equifax service isn't available for trusts and estates, but they are covered by the other components of Desjardins Identity Protection.

No. The Equifax service isn't available for businesses, but they are covered by the other components of Desjardins Identity Protection.

If you don't have an email address, you can use the address of a friend or relative. Equifax allows the same email to be used for up to 4 different people.

If you use someone else's email, they'll receive your alerts from Equifax and will need to inform you of them. You can also access your credit file at any time on the Equifax website.