Are 'Credit Bureaus' used in Canada? Do employers run credit history from Experian, Equifax and TransUnion? - Page 2 - City-Data Forum

mikeyyc · 07-21-2009, 07:57 AM

Quote:

Originally Posted by kkgg7

A friend of mine recently moved to New York and was able to transfer his Canadian credit history and had his credit card application approved very soon.

They won't transfer the whole file. There is no way to cross reference. Canada uses SIN, US SSN. Believe me I've tried. I have an 815 in Canada, have moved to the states, and short of my mortgage, the banks will not consider a Canadian score.

Dipper · 07-26-2009, 04:42 AM

Quote:

Originally Posted by mikeyyc

The only rub being that they don't share info across the border. So if you have sparkling credit, congrats, you start at zero with no history.

The good news is that works the other way around too. If you have lousy credit in the US, congrats, your bad credit is wiped out once you cross the border.