Quebec Exceptions

Quebec Exceptions and Offers

Credit lock

Consumers in Quebec have the right to place a lock on their Equifax credit report, which can help prevent fraud and identity theft as a result of the Credit Assessment Agents Act (the “Act”).

As of February 1, 2023, as a resident of Quebec, you may place, suspend or revoke a credit lock on your Equifax credit report on myEquifax.

When a lock is active on your Equifax credit report, Equifax will not deliver it or related products (e.g. scores, information from your credit report etc.) to any requestor we know will use it to:

  • Enter into a credit contract with you
  • Extend you credit
  • Increase your credit
  • Entering into a long-term contract for a lease of good (e.g. a car loan) with you; or
  • Entering into a contract involving sequential performance for a service provided at a distance with you (e.g. a payment plan for a cell phone or a product whereby a service is provided upfront and the payment is made at a later date)

If you have more questions, please visit our FAQ page.

Identity Theft Insurance

For residents of Quebec, the identity theft insurance feature underwritten by American Bankers Insurance Company of Florida or its affiliates is not included in your Product purchase. However, if you purchased your Product before January 27, 2021, if you received your product by using a redemption code, or if you are redeeming a code, you will still be eligible for coverage and the feature will continue to be included in your Product.

Where identity theft insurance is included, the insurance limits are different depending on the Product. These identity theft insurance benefits are provided under master group policies issued to Equifax for the benefit of its Members. The complete insurance policies are available from us on request. The insurance provider administers all claims, and we shall have no responsibility with respect to such identity theft benefit.

Please click here to view the policy summary of benefits for policies providing an aggregate limit of insurance of up to $1,000,000.