Equifax Complete Protection (not to be confused with Equifax Complete Premier) takes your digital information security to another level completely. It includes the usual credit monitoring services you'd expect from Equifax, including credit alerts, daily updates of your credit score and report, and help with ID theft recovery. But it includes much more – VPN access from NordVPN, password manager from NordPass, and social media monitoring, parental controls, and even notifies you if your personal data has been leaked online.
The drawback? It's not cheap, at $34.95 per month. And of course, they only monitor your Equifax score, so there's no coverage for your TransUnion score. But for an all-in-one credit and identity protection plan, it has some features that might help you sleep just a little better at night.
Equifax Complete Protection features
Here are the main features of Equifax Complete Protection.
Why You Want It
Get your social media monitored, device protection, a VPN and password manager + Up to $1 million in ID theft insurance.
Special Features
- Daily access to credit score and report
- ID theft coverage
Provinces
ALL
Features
Monthly Fee
$34.95
Which Credit Bureau?
Equifax
Credit Score Access?
Credit Report Access?
Update Frequency
Daily
Mobile App
Equifax Complete Protection product rating: 2.1 stars
Equifax Complete Protection is definitely a unique product in the credit monitoring and identity theft space. You get full monitoring of your Equifax credit score and your credit history, along with fraud alerts. But it doesn't end there – it also monitors your social media for potential scams, scans the dark web for your personal data, a password protector, and provides you with a VPN so you can even use public Wi-Fi without worrying about your data being compromised.
But this service comes at a price – it's a much higher fee than other credit monitoring services.
Rating methodology
To rate credit score services, we look at the main features they offer. We then compare these features to other credit score services and rate each feature out of 5. We then put these numbers through our proprietary algorithm to give a final score out of 5.
Learn more about our rating methodology.
The pros of Equifax Complete Protection
Here's what we like about Equifax Complete Protection.
Pros
Daily access to your Equifax credit score and report
Want to stay on top of things? You'll be able to get a daily update to both your credit report and your credit score if you choose.
Identity theft coverage
If you do become a victim of identity theft, Equifax provides up to $1,000,000 in coverage for legal costs, lost wages, and more. Just note that this isn't available if you're a resident of Quebec.
Identity restoration services
On top of being financially covered in case of identity theft, Equifax will also help you restore your credit and identity in the event that it’s ever stolen. This applies to both your Equifax and Transunion credit files.
Computer and mobile device protection
Viruses, malware and ransomware can attack the devices you use every day. Equifax offers Bitdefender software for up to three devices to help guard against these attacks.
Dark web scanning
If it’s ever stolen, your personal information can be scattered around the internet, including the dark web. WIth Webscan, Equifax will scan the dark web for any of your personal information and notify you if it finds anything.
Plenty of extras
What separates this account from Equifax Complete Premier are the extras. You'll get access to a VPN from NordVPN, a password manager from NordPass, parental controls from BitDefender, and they'll monitor your social media for anything that seems out of the ordinary.
The cons of Equifax Complete Protection
Here are two things to consider with Equifax Complete Protection.
Cons
High monthly fee
This plan offers a lot, but it comes at a price. It's $34.95/month, which is much more than what Equifax Complete Premier costs.
Does not monitor Transunion
You have two different credit scores and reports in Canada. This one will not monitor your Transunion score, you're only getting coverage for half of your credit file.
Equifax Complete Protection alternatives
Here are some alternatives to Equifax Complete Protection and how they compare.
 | |  | |
|---|---|---|---|
| Account | Equifax Complete Protection | Equifax Complete Premier | TransUnion Credit Monitoring |
| Genius Rating | |||
| Why You Want It | Get your social media monitored, device protection, a VPN and password manager + Up to $1 million in ID theft insurance. | Up to $1 million in ID theft insurance + Daily credit score updates. | Up to $50,000 of ID theft insurance + Automatic email alerts. |
| Monthly Fee | $34.95 | $24.95 | $24.95 |
| Which Credit Bureau? | Equifax | Equifax | Transunion |
| Credit Score Access? | | | |
| Credit Report Access? | | | |
| Update Frequency | Daily | Daily | Unlimited |
Show More | |||
| Apply Now See more Equifax products Compare | Apply Now See more Equifax products Compare | Learn More See more Transunion products Compare |
FAQ
What is Equifax Complete Protection?
Equifax Complete Protection is a credit score monitoring service, with a few extras. You'll be able to get a fresh credit score and report daily, identity theft protection, plus access to a VPN, password manager, and more.
What other plans does Equifax offer?
Equifax has 2 other plans – there's Equifax Complete Premier which offers much of what's Equifax Complete Protection minus the extras like the VPN and password manager. And if you want a plan for multiple people, there's the Saily eSIM.
Does Equifax monitor my Transunion score?
Equifax does not monitor your Transunion score. However, if you were a victim of identity theft they will help in restoring any problems with your Transunion credit file.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
Hot Money Deals This Month
- Get even more cash back with exclusive offers only available on the GeniusCash app
- Explore bigger GeniusCash offers that you won't find anywhere else.
- Connect your credit cards and unlock bonus cash.
- Explore customized recommendations to level up your rewards.
- Refer your friends and family to earn bonus levels and extra cash back.
- Take control of your money with a full-featured chequing account + $50 GeniusCash
- Get up to $500 in cash when you open a new account, complete specified actions, and open 2 registered investment accounts.
- Unlimited free transactions – including debit and Interac e-Transfers®.
- Earn Scene+ points on every debit transaction.
- $50 GeniusCash on approval – ends Oct 31, 2025.*.
- Unlimited transactions + Free identity theft protection + $125 GeniusCash
- Unlimited transactions and Interac e-Transfers.
- Free identity theft protection and access to Coursera online learning.
- $125 GeniusCash on approval – ends Oct 31, 2025.*.
- Trade over 200 cryptocurrencies with the best crypto exchange in Canada + $75 GeniusCash
- Trader fee discounts for active traders.
- No fees to fund your account with Interac e-Transfers.
- Access to plenty of educational resources for free.
- $75 GeniusCash on approval – ends Oct 31, 2025.*.
- Bonus: Get one of the lowest brokerage rates from an online broker from a Big 5 Bank →
