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raphael7546

is my credit in Canada, good to buy a car here?

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Filed: K-1 Visa Country: Canada
Timeline

I am in the process of buying a car and will need to get a loan for this. Will they consider my credit history in Canada? I noticed that when I applied for a credit card it said "No credit history" The car isn't a new one, ( a few yrs old but still in need of a loan for around 14,000.00


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well your Canadian credit is based on the Social Insurance Number and here we use the Social Security Number to track credit. The systems are not linked.

I can tell you that we found a way around that several times. One company (Macy's) when we were purchasing furniture actually called someone in Canada (I dont think it was a Macy's division, we dont know) and verified his credit. We were able to purchase the set in his name only, based on his Canadian history.

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Filed: IR-1/CR-1 Visa Country: Canada
Timeline

There are some home lenders that can pull Canadain file. I have never talked with any auto lenders that do that, since the US automakers are there you would think so. We have had no success with that.


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Filed: Other Timeline

no, generally speaking your Canadian credit history will not follow you to the US. You can however get your credit history from any of the credit bureau websites like equifax.ca etc and attach a copy of it to a US credit application.

SOME lenders here in the US MIGHT check with the Canadian credit bureaus if you tell them that they're the same companies as in the us, but their websites are suffixed by .ca instead of .com BUT they may not take that into account, because as far as they're concerned, they only care to know what your credit history is in the US, with your SSN and if you have a job with sufficient income to pay a loan.

Shop around, some are easier than others.


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Hello There

Two creditors that took my Canadian Credit into account were Volkswagon and Bank of America. Volkswagon was able to do it since they can do it through VW Canada (For some reason Toyota will not do this from what I have been told). Other firms that will do this include: Honda, Audi, Mercedez-Benz, BMW and perhaps some others. Bank of America is apparently also able to do Canadian credit checks with your permission, though this is not widely known. You may need to push them to call someone who knows and find out how to do it. I have also been told by some friends that many other banks are capable of doing this as well.

One thing that definetely helps is to take a recent copy of your Canadian credit report pulled from equifax etc and show that to them (mainly just to tell them it is the same sort of system).

Hope this helps.


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Filed: Country: Canada
Timeline

My bank in the US just used my credit rating in Canada last week to approve mortgage. It can be done if the bank is willing.


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