Credit & Identity
A guide to your credit rights in Quebec, and private reminders to check Equifax and TransUnion.
A credit file goes unchecked for years, a freeze lifted for a loan stays lifted, and a security alert runs out without anyone noticing.
The guide to your rights covers your credit file and score, freezes, alerts, explanatory notes and recourse, for Quebec with notes for the rest of Canada, in English and French. Every fact names its official source.
A starter calendar is set up in one go: Equifax, then TransUnion six months later, your statements every month and a yearly review. Seven days before it is due, each reminder becomes an activity in your name, and it restarts from the day you did it. You can also add your own, for instance to put a freeze back after a credit application.
⚠️ The module does not connect to Equifax or TransUnion, does not read your file or score, and stores no credit data: dates, a name and a free note. Your reminders are private, administrators included, and this module sends no email.
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What gets added, what we learn deploying it, and nothing else. You leave whenever you want.
One confirmation email, and nothing before you follow its link. Then 10 welcome emails, one a week, then the updates. No tracker, no resale.