Is Canadian credit history checked as part of background check?

[nutz45]

Hi all, I lived in Canada for an years during this time I had a credit card (I cannot find any record of the damned thing right now). So when I was leaving Canada I called the credit card company telling them I am leaving Canada, and they said I had to do something (can't remember what), which seemed like too much hassle. So left Canada with this card, and made the last bill payment. We are all even I guess. This was 10 years ago.

Now, I remember this vaguely, but I might have made another payment from the card after coming back home. I did not have any other credit card and it was the only possible way of making a payment. I intended to make a payment, but this is all so vague, I don't know why I did not. I most likely thought its only 3 Dollars - who cares.

So as of now my old passport has expired, but you can link my passport with that credit card - I think. If someone ran a background check they will see that I did not pay a few dollars and the interest and fines for non-payment. I don't know what that amount will be.

tl,dr: I might have defaulted on 3 dollars on my Canadian credit card dues 10 years ago.

Here is my question - am I screwed? Can I do something about it if I intend to come to Canada though express entry.

 

[nmeka]

Your credit history has got nothing to do with Immigration. Just take it easy..

 

[nutz45]

Your credit history has got nothing to do with Immigration. Just take it easy..

Hey thanks for your reply. I am worried because I read through this forum and realised that background check is conducted and they need details of everywhere you lived and also ask for police certificate, so I guessed that credit history is probably also checked. Maybe my passport is on some defaulters list.

 

[nmeka]

The reason they ask you to mention all the places you lived is just to check your security and criminality..so dont worry at all about your credit history.
Good luck

 

[mf4361]

unless you are in the realm of bankruptcy they are not gonna care about it at all.

 

[nutz45]

Thanks a lot for your replies guys. I am feeling a lot better knowing this.

Now police clearance certificate is required only from my current location or from any place I have lived? Will I need one from Canada.

 

[Scottygirl]

Thanks a lot for your replies guys. I am feeling a lot better knowing this.

Now police clearance certificate is required only from my current location or from any place I have lived? Will I need one from Canada.

If you need an RCMP check, CIC will request one from you.

 

[raj2017]

Hi all, I lived in Canada for an years during this time I had a credit card (I cannot find any record of the damned thing right now). So when I was leaving Canada I called the credit card company telling them I am leaving Canada, and they said I had to do something (can't remember what), which seemed like too much hassle. So left Canada with this card, and made the last bill payment. We are all even I guess. This was 10 years ago.

Now, I remember this vaguely, but I might have made another payment from the card after coming back home. I did not have any other credit card and it was the only possible way of making a payment. I intended to make a payment, but this is all so vague, I don't know why I did not. I most likely thought its only 3 Dollars - who cares.

So as of now my old passport has expired, but you can link my passport with that credit card - I think. If someone ran a background check they will see that I did not pay a few dollars and the interest and fines for non-payment. I don't know what that amount will be.

tl,dr: I might have defaulted on 3 dollars on my Canadian credit card dues 10 years ago.

Here is my question - am I screwed? Can I do something about it if I intend to come to Canada though express entry.

i am in the same situation however my amount is somewhat bigger i have spent 3000$ and that is 7 years back and now i am also trying for EE and worried about will this 3000 cost me a lot or i am fine? do they consider credit card history and non-payment in background check?

 

[picklee]

Thanks a lot for your replies guys. I am feeling a lot better knowing this.

Now police clearance certificate is required only from my current location or from any place I have lived? Will I need one from Canada.

You need PCC from any country where you lived at least 6 months.

 

[picklee]

i am in the same situation however my amount is somewhat bigger i have spent 3000$ and that is 7 years back and now i am also trying for EE and worried about will this 3000 cost me a lot or i am fine? do they consider credit card history and non-payment in background check?

IRCC does not conduct credit checks. What would be the point?

 

[raj2017]

IRCC does not conduct credit checks. What would be the point?

thank god , all i wanted to know, i wish this stupid mistake of young days should not bite me now, all said and done i am ashamed of that

 

[Anas717]

how about health insurance dues remaining?

 

[kirushna]

Hello People,

I live in India and my PR Application is now at Background checks stage. What am newly concerned is that I had a Credit Card which I have got 2 years back and i haven't used it since a year now, for which they have charged me around 2k and I ignored paying it, now after a month, the card is blocked and am expected to pay double charges. Will this become a problem in IRCC background checks? I don't want that card anymore but if it is going to be troublesome I would pay it back.

Would be so grateful if someone could guide me on this.

Thanks,
Kirushna

 

[dotslash227]

Hello People,

I live in India and my PR Application is now at Background checks stage. What am newly concerned is that I had a Credit Card which I have got 2 years back and i haven't used it since a year now, for which they have charged me around 2k and I ignored paying it, now after a month, the card is blocked and am expected to pay double charges. Will this become a problem in IRCC background checks? I don't want that card anymore but if it is going to be troublesome I would pay it back.

Would be so grateful if someone could guide me on this.

Thanks,
Kirushna

No. They do not conduct credit checks.

 

[Rahul Ram]

unless you are in the realm of bankruptcy they are not gonna care about it at all.

I filed debt consolidation and got multiple payday loan. Does this going affect my citizenship?