BAD CREDIT !!!

[atuls1317]

I have a very bad credit score. Plus I still owe 7000 $ to credit card companies in CANADA. My credit cards are blocked. I could not help PAYING THEM BACK cuz I had to SPEND my money on some more important place. I am trying to pay them back in small payments though. i AM GOING TO APPLY NEXT MONTH.

does it make my CEC case weaker ? Please guide me seniors .


Thanks in advance

 

[DirectEnergy]

IMHO, your credit score and your troubles with credit cards have absolutely nothing to do with your immigration.
I have a very high credit rating, but I don't expect my immigration to be any easier because of that

 

[atuls1317]

Thanks for your reply. I asked this question because I SAW THIS THING SOMEWHERE SAYING , something like - YOU SHOULD BE financially stable / strong..
overdue debts and bad credit are also signs of financial instability ..

 

[CEC2013]

I dont want to alarm you, but you may want to seek legal council before you proceed. As noted on CIC website:

"Inadmissibility

Some people are inadmissible—they are not allowed to come to Canada. Many things can make you inadmissible, such as being involved in criminal activity, in human rights violations or in organized crime.

You can also be inadmissible for security, health or financial reasons.

Do not apply under the CEC if you are not admissible to Canada."

"financial reasons – if they are unable or unwilling to support themselves and their family members"

http://www.cic.gc.ca/english/immigrate/cec/apply-who.asp

http://www.cic.gc.ca/english/information/inadmissibility/who.asp

You may need extensive evidence to prove that you are capable of sustaining yourself. If you do not declare that you have had financial difficulties, it may be treated as non-disclosure. Remember, the burden is on you to prove that the government should let you remain in Canada. The moment the VO feels/thinks/suspects that something is a red flag, further inquiry is warranted. From what I have read on these forums, the VOs don't necessarily feel obliged to ask you to provide proof...as witnessed by rejections for even the simplest misunderstandings.

My advice - seek council and be prepared to provide evidence of improved financial circumstances. Just my thoughts! Sorry...

 

[Cos]

I dont want to alarm you, but you may want to seek legal council before you proceed. As noted on CIC website:

"Inadmissibility

Some people are inadmissible—they are not allowed to come to Canada. Many things can make you inadmissible, such as being involved in criminal activity, in human rights violations or in organized crime.

You can also be inadmissible for security, health or financial reasons.

Do not apply under the CEC if you are not admissible to Canada."

"financial reasons – if they are unable or unwilling to support themselves and their family members"

http://www.cic.gc.ca/english/immigrate/cec/apply-who.asp

http://www.cic.gc.ca/english/information/inadmissibility/who.asp

You may need extensive evidence to prove that you are capable of sustaining yourself. If you do not declare that you have had financial difficulties, it may be treated as misrepresentation by non-disclosure. Remember, the burden is on you to prove that the government should let you remain in Canada. The moment the VO feels/thinks/suspects that something is a red flag, further inquiry is warranted. From what I have read on these forums, the VOs don't necessarily feel obliged to ask you to provide proof...as witnessed by rejections for even the simplest misunderstandings.

My advice - seek council and be prepared to provide evidence of improved financial circumstances. Just my thoughts! Sorry...

I cannot remember anywhere in the CEC application that applicants are required to describe or declare their financial difficulties. Practically, all CEC applicants are 'economic immigrants' and can be easily categorized as financially burdened.

 

[CEC2013]

I cannot remember anywhere in the CEC application that applicants are required to describe or declare their financial difficulties. Practically, all CEC applicants are 'economic immigrants' and can be easily categorized as financially burdened.

Quite to the contrary...I wasnt implying that CEC applicants should be disclosing their financial status, one way or the other. I merely suggested the potential for issues if not disclosing financial DIFFICULTIES, such as those that he had mentioned (over-burdened credit cards, debt and so forth). None of this is required as part of the process, but if you read the statements I copied from the CIC website, it suggests that when they run checks and come across these issues, they may classify one as inadmissible. Obviously I cant speak to their approach with regards to this, and only posted this so atuls is aware.

I can certainly appreciate the fact that anyone could be categorized as such, in some shape or form. This is why I suggested proper legal council be sought. And should one not disclose and they come across this - one should be able to provide proof that this has changed. The burden of proof always remains with the applicant.

 

[JBLoknath]

Well, as CEC now applicable for foreign nationals with only one year of Canadian exp, it is a implied fact that candidates may not (and can not in most cases) build "good credit" in one year, and might develop some bad credit too!

Besides, how do you define good credit and bad credit w.r.t immigration guidelines by CIC? Financial institutions do it considering so many factors, which finally gets reflected in your credit score.

So, the Q is: Does CIC consider your credit score and determine your admissibility? May be yes, but as Cos has mentioned above there is no guideline for CEC applicants to declare anything related to that. By that logic, i do not think this can be treated as misrepresentation by non-disclosure.

Can CIC refuse application on bad credit? May be yes! It depends on the standards that they apply on evaluating applications. If the red flag is for some financial fraud or crime, they will certainly refuse (or consider to refuse).

 

[CEC2013]

We are all speculating here..

I will repeat what I said: "You can also be inadmissible for security, health or financial reasons". Whether you agree with me or not, you cannot neglect the fact that this was stated for a reason. How CIC uses this term is foreign to me, but it exists nonetheless.

From what I have been reading in these forums, they find the smallest excuses to axe your application. Also, they go word for word in what their regulations mandate. So, come later in the process, when they go over security and whatnot else, and come across this...what then?

And to reiterate from my previous message...you do not need to disclose this. Its not mandatory. But the potential for issues exists. On the other hand, maybe you are lucky and they just decide not to care. 50/50

 

[CEC2013]

All in all... just trying to help out the guy! Its not my position versus other ones. Apologies if the text came off a bit pretentious.

Its just a discussion about useful information on how to solve issues. What would you guys suggest??

 

[scylla]

So, the Q is: Does CIC consider your credit score and determine your admissibility?

CIC does not check your credit score. They would need either your verbal or written permission to check your credit score (it's the law). The application doesn't request your permission therefore CIC can't look up this information.

 

[atuls1317]

thank you for your valuable comments ! I know a friend of me who had bad credit score but still got his immigration under PNP but I am sure he did not have any unpaid debts, he paid everything back before applying ..

So credit score must not be the issue because there are several issues that determine our credit score its not always financial instability.

As I said due to irregular payments 2 of 3 credit card companies have suspended my accounts.

the question is ,will it be okay to apply without paying my credit cards back ?

 

[Cos]

thank you for your valuable comments ! I know a friend of me who had bad credit score but still got his immigration under PNP but I am sure he did not have any unpaid debts, he paid everything back before applying ..

So credit score must not be the issue because there are several issues that determine our credit score its not always financial instability.

As I said due to irregular payments 2 of 3 credit card companies have suspended my accounts.

the question is ,will it be okay to apply without paying my credit cards back ?

I believe your question has already been given some decent answers. Having a bad credit does not make it less probable that you will be accepted; so why not send in your application and let CIC decide?

 

[CEC2013]

agreed! i've done some research into this and only came up with one relevant literary reference:

"A foreign national is inadmissible for financial reasons if they are or will be unable or unwilling to support themself or any other person who is dependent on them, and have not satisfied an officer that adequate arrangements for care and support, other than those that involve social assistance, have been made."

http://www.farris.com/images/uploads/Ryan_Neely_Paper_Loss_of_Employment.pdf

the only reference in regards to financial inadmissability discussed has been in the context of employment...thus ones ability to economically establish themself, which I do not see playing a role here.