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Credit Monitoring for Clients

Who can enroll?


Clients who have received services from Central Health at any time over the last 13 years are being offered access to credit monitoring services for a period of two (2) years from the date of enrollment, at no cost to them. Current and former employees, who have also been clients, do not need to sign up with Equifax twice, and should enroll for the Equifax service as current or former employees.

The deadline to register for these services was September 30, 2023.

A client is a person who receives health–care services.




This service is available to any clients over the age of eighteen (18) who has a Canadian credit file. For those living outside of Canada, coverage will depend on the availability of the service in their region. This service allows individuals to monitor their credit and identity information, as well as detect and respond to fraudulent credit activity.

The deadline to register for these services was September 30, 2023.


Service details


Clients who enroll will have access to the Equifax Complete™ Premier service package and will receive the following benefits for a period of two (2) years from the date of enrollment:

  • Lost Wallet Assist: One-stop assistance in cancelling and reissuing your credit or debit cards, driver's license, SIN card, insurance cards, passport, and traveler's checks when your wallet is lost or stolen;

  • WebDetect™ (Internet/web scanning): Receive alerts when Equifax detects your personal information (e.g. SIN or credit card number) is being used on the Internet;

  • Daily credit monitoring with email notifications of key changes to your credit profile;

  • Unlimited access to your Equifax Credit Score™ and report;

  • Identity Restoration: A dedicated Identity Restoration Specialist will work on your behalf to restore your identity should you become a victim of identity theft;

  • Up to $1,000,000 of identity theft insurance (further terms, conditions, and exclusions relating to coverage will be available in your policy upon enrollment);

  • Ability to view how your score trends over time.

NOTE: In order to avail of the WebDetect™ (Internet/web scanning) feature, users must first complete the Equifax enrollment process and then, they must set up the web scan feature through their Equifax account. This benefit is included in the Equifax coverage but requires an extra step to set up.


Expiry information for clients


The unique activation code for clients expired on September 30, 2023.




Mental health resources


We recognize that this is stressful for many people. Below is a list of mental health supports available to you:

  • Lifewise Warm Line: 1-855-753-2560

  • Provincial Mental Health Crisis Line: 8-1-1

  • Doorways in-person counselling mental health services.

  • Wellness Together Canada Portal:

  • Full listing of mental health and addiction services at:  


Frequently asked questions for clients

March 4, 2024 - NL Health Services is working with Equifax to directly notify applicable individuals that coverage for credit monitoring and identity theft protection services has been extended from two (2) years to five (5) years. This adjustment from 2-year to 5-year coverage ensures that all those individuals impacted by the privacy breach in October 2021, who chose to register for Equifax services prior to the deadline of September 30, 2023, receive the same length of coverage regardless of the type of information they had taken during the cyber-attack.

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