We never heard if alberta check credit score before approving ?? since you have stayed there, they might ??
if possible why don't you make payment , anyhow when you will go to canada you might have to clear that so why not now
above is just an thought and can not be considered a legal and only option..
good luck
Millions of Americans owe money more than 55000$, Loosing their house under foreclosure, Canadians are losing homes as well, Canadians including Albertans are loosing job and have Credit Card payment unpaid!! Nothing special in your case its economic downturn.