Faust942

New Addition:

I spoke with TD Canada Trust today to replace my CDN card. During the call they mentioned I was preapproved for a $12K credit card. I said great, but I am moving to the USA. She told me to get their USD credit card. I was skeptical, but she did say I would be able to add my SSN to the account to have it report to the US credit bureas.

So I hung up and called back, this time TD Cross Banking customer service to ask them if they've ever heard of this being done. They told me there is no such process and it would be better if I apply for through TD Bank USA and apply with my SIN. Apparently, I would need to fax in information regarding this.

So I'm at this point filling this form out, but it sounds like first agent didn't know what they were talking about.

Has anyone else heard of getting the USD credit card in Canada and following the above process?

Its been 6 years since this post, but wanted to know if it all worked out?

Not sure why yours wouldn't follow you over. I got a credit report from RBC USA stating my Canadian credit score and that they'd accessed it.

I had zero US credit at the time. I do now obviously but didn't 6 months after moving.

Again, it was declined due to debt/income ratio, high amount loan/credit limit on current car loan and credit card. Do you think I should try reapplying now or wait 6 months? Should I instead go to TD Visa now?

Can the office at least give you the SS number before you get the actual card?

From what my wife has said, they would never give it to you over the phone. Not sure if they would at the office, though.

Hello Everyone! I'm bringing this post back from the dead. I need some help with establishing credit!.

So heres a few updates from when I last posted. I have a CR1 visa, and my POE was yesterday. I don't have my SSN yet. Looking for a job in the USA, and once I get it I will finally move to the USA permanently.

I've already opened these accounts:

• RBC Day-to-Day Banking (Chequing)
• RBC US Savings
• RBC Direct Checking (USD)

I have these pre-existing accounts:

• TD Rewards Visa ($500 credit limit)
• PC Financial and Zenbanx chequing accounts

I've tried to apply for the RBC signature black visa card, but was declined due to high debt/income and no history with RBC. I had some issues with my credit (even though Transunion reports my credit at 752). I have a $16K car loan and $2 student loan.

My questions are:

1. Since RBC declined me, I've been told to correct any owing balances and reapply after 6 months. Should I wait for 6 months before reapplying?
2. Since I have this $16K loan (2 late payments only since 2012), should I even consider using my canadian credit to start an american credit file?
3. I have a TD visa card. Should I visit TD in Albany, NY to apply for a US credit card>?

Ended up working out fine. I actually traveled across the border the same day as my interview was done.

Approved!

I GOT APPROVED !!

Any tips? I have my interview and am getting nervous. I even spent 30 min looking at 2 different black ties.

Good luck! I have my interview on the 8th!

Thanks NLR I assumed that was the answer. Have anyone else tried and went before receiving their visa, but after the interview?

Did it work out?

My interview is in a couple of days. If I am approved, I see that I can't travel since they will take my passport. I have a NEXUS card and an extended drivers licence. I am planning to travel this weekend (I live in a border town).

My question:

Should I stay put or can I travel while I wait for my passport to be returned to me (by courier)?

I received a letter saying I have an interview date of Jan.8th.

I never received a packet 3. Should I be receiving one or is it no longer required?

Visa is CR1

Thanks.

3rd Question:

My interview is on Jan.8th. I had the AOS information filled with 2014 tax information. Do I need to bring the 2015 information? Do I need to give them another AOS with 2015?>

Hello everyone,

I finally have my interview and gathering documents for my Packet 4.

I have a couple of questions:

1st

Sent my IVR package on Sept.24th. Called and got told it would take 45 business days for reviewing the IVR package. Waiting...

There's an identical topic going on in the Canadian forum right now as well.

Some people will have luck, others will not - I was one of the ones who now matter what I tried, I ended up having to start fresh at the age of 38 which made me pretty annoyed. Wasn't the end of the world though and now my US credit is up to snuff 8 yrs later.

Best of luck

Can you tell me which forum?

http://www.cic.gc.ca/english/passport/apply/guarantor-reference.asp

Guarantors

A guarantor is needed for all new passport applications submitted by mail or in person. A guarantor can be a family member or any individual living at your address, as long as they meet the requirements.

The guarantor must do the following, free of charge:

Complete and sign the Declaration of Guarantor section of your application.

Write I certify this to be a true likeness of (applicant name) on the back of one of the passport photos and sign it.

If applicable, sign and date the photocopies of each document you have submitted to confirm your identity.

You cannot help the guarantor in performing these duties. If your guarantor needs assistance, contact the passport program.

Guarantor requirements if you are applying in Canada

Your guarantor must:

Hold a 5-year or 10-year Canadian passport that is valid or has been expired for no more than one year, on the day you submit your application.

Have known you (the applicant) personally for at least 2 years.

In the case of a child, the guarantor must have known you (the parent or legal guardian who is applying on behalf of the child) personally for at least two years and must have knowledge of the child.

Be a Canadian citizen 18 years of age or older.

Have been 16 years of age or older when he or she applied for his or her own passport.

Provide the requested information contained in his or her passport.

Be accessible to the passport program for verification.

If you are the parent or legal guardian and you are applying on behalf of your child, you cannot sign as guarantor on your childs application. However, the other parent (not submitting the application) can sign as long as the requirements are met.

http://www.cic.gc.ca/english/passport/apply/guarantor-reference.asp

Guarantors

A guarantor is needed for all new passport applications submitted by mail or in person. A guarantor can be a family member or any individual living at your address, as long as they meet the requirements.

The guarantor must do the following, free of charge:

Complete and sign the Declaration of Guarantor section of your application.

Write I certify this to be a true likeness of (applicant name) on the back of one of the passport photos and sign it.

If applicable, sign and date the photocopies of each document you have submitted to confirm your identity.

You cannot help the guarantor in performing these duties. If your guarantor needs assistance, contact the passport program.

Guarantor requirements if you are applying in Canada

Your guarantor must:

Hold a 5-year or 10-year Canadian passport that is valid or has been expired for no more than one year, on the day you submit your application.

Have known you (the applicant) personally for at least 2 years.

In the case of a child, the guarantor must have known you (the parent or legal guardian who is applying on behalf of the child) personally for at least two years and must have knowledge of the child.

Be a Canadian citizen 18 years of age or older.

Have been 16 years of age or older when he or she applied for his or her own passport.

Provide the requested information contained in his or her passport.

Be accessible to the passport program for verification.

If you are the parent or legal guardian and you are applying on behalf of your child, you cannot sign as guarantor on your childs application. However, the other parent (not submitting the application) can sign as long as the requirements are met.

problem is that it says above this is for passport applications. Service Canada website still asks for a certain designation.

Guarantor is easy now. All that they need to be is a current valid passport holder or expired for no more than a year. Plus known you for two years No longer a pastor, doctor, judge, etc

Actually, it asks for the guarantor to be a bunch of different roles. Unfortunately, I clicked the wrong button, saying that I didn't have permission to use the guarantor, and now its asking me to send in a letter.

I need to call, I think to cancel/change the request.

What kind of visa are you coming on? Does a spouse have medical insurance through work? You can purchase insurance as well.

You continue to file Canadian taxes as well, especially if you plan on collecting Canadian Pension one day.

I'm coming on I-130. Wife has insurance through her mother.

What process do I need to go through when I do move? What do I need to do to tell the Canadian government my change of residency?

Once u become a resident of the USA, no more Cdn healthcare! The healthcare is not free..paid for my Cdn taxes.......You will still be a Cdn citizen, just not a resident.....

Even if I pay for Canadian taxes while living in the USA, I still loose my OHIP?

Damn need a guarantor.

Thanks for the tip on the long form!

How to not incur such crazy healthcare costs from what I've heard?

What do I keep when I move? Do I still need to pay taxes to continue to be a citizen?

Hello,

I am 29[m] from Mississauga, Ontario, Canada. My wife 25[f] and I met each other off Okcupid (a dating website) in 2013 and married August 2014. We had a daughter in Sept.2014.

My wife and daughter lives currently with her parents in Buffalo, NY. I live and work up here in Mississauga. Every weekend I drive down and enjoy every hour I get with them and return to work for another 5 days.

We've been waiting for this process to be finished since Dec.2014, when we sent our I-130. When I can finally move in with them and start a new life.

It's rough, but I'm sure its not as rough as other couples on this site that have an ocean between them. Kudos to you couples!

Alot of helpful Canadians on this site have moved to the USA.

Once I move to the USA, do I need to give up my OHIP? I'm going to really miss our free Canadian healthcare.

Any advice for the moving Canadian?