Is my US credit worthless in Canada?

[dacoru]

I just got my CPR and am ready to land.
Actually I am in the US, and I want to know from those who have lived in the US before if the credit history (good or bad) is reflected in the canadian credit bureau.
I really will appreciate your answers.

[tired_of_waiting]

Canada's lending institutions will occasionaly perform a credit check if they either suspect you are trying to defraud them ir if you are trying to borrow a large sum of money.

In general, an application for a credit card, motrgage, personal loan etc is performed using only Canadian credit agencies.  The problem you will have when landing in Canada is that you have no credit history - this can be as bad as having bad credit.

If I were you I would apply for a credit card straight away and establish a credit history. 

[dacoru]

Thnks

[craig53]

Actually my mortgage broker in Canada says they will use my US report as they have some of the same bureaus they use...

[new_here]

craig53

May I ask you a personal question?
Do you mind to share which financial institutions have the affiliation with USA bureaus ? (Or at least which one did you borrow from?)

No problem if it is too private! I'll understand!

[SubatomicBionicNanoMan]

Is it possible to hide my US credit history ?
I am a US resident but a citizen of another country.
Can I conceal US credit history by not disclosing I had
anything to do with the US?

[links18]

Is it possible to hide my US credit history ?
I am a US resident but a citizen of another country.
Can I conceal US credit history by not disclosing I had
anything to do with the US?

You might not want to ask questions like this on the internet, you might want to check with a lawyer about your particular situation. Who are you trying "not to disclose" your US credit history to? In general you need to give someone permission to access your US credit file. Some Canadian mortgage lenders, if they know you used to live in the US, will ask your permission to check your US file. You don't have to give it to them if you think it will hurt you, but then they may not give you credit.  US and Canadian credit bureaus, credit providers, etc. are regulated by different laws. Information from one report should not show up in another.

[todiefor]

I just got my CPR and am ready to land.
Actually I am in the US, and I want to know from those who have lived in the US before if the credit history (good or bad) is reflected in the canadian credit bureau.
I really will appreciate your answers.

you can't use your US credit history in Canada. you need to build a Canadian credit history from scratch.