PR Rejection for non-payment of rent?

[asg451]

Can my PR visa be denied for non-payment of rent?

Let me explain:

I moved out of my apartment in Ohio in Feb 2017, and moved out of the US in Mar 2017. I have paid all rent till end of February. The leasing office rented out my apartment to a new tenant in September. Now they are claiming that I am responsible for the rent from March to August. Apparently this was there somewhere in the details (okay, I didn't read the fine print). My credit score in the US is irrelevant, since I never had a credit history in the US (never used a credit card).

I'm just curious if my Canadian PR visa can be denied because of just this rent fiasco alone, even though everything else is fine.

Also, can I be denied a US visa in future because of this?

Thanks for your responses, much appreciate it.

 

[shagunsangwan]

Unless there is a criminal case against you.
No one can deny you PR

 

[asg451]

@shagunsangwan - thank you for your reply. Also, I like your signature.



I remember reading somewhere related to proof of funds - that one shouldn't have big outstanding dues on credit cards etc. My understanding (which could be wrong) is that the proof of funds takes into consideration outstanding debt - which includes credit cards and other unpaid loans.

However, surely this would exclude claims such as the one I mentioned?

Anyone can claim I owe them $$$ and provide documents, and these claims are not substantiated unless proved in a court of law. Of course, claims on credit cards and other unpaid loans have sort of 'automatic proof' through bank statements. But in other cases such as in mine, I do not really see how any claim can impact PR application. Still, would like to hear about any possible impact.

Many thanks.

 

[peegee100]

HI asg,

A few points: As mentioned by Shagun, unless there is a Police case registered by the landlord/company, it will not show up on a criminal search. However, it would show up on your credit search. Credit research agencies are the easiest sources for Government agencies to verify address records, as all the details are present- whether they do it is another matter. If they do, your credit score could be adversely affected if the landlord/agency "reported" you for the arrears.

Regarding proof of funds, lets analyse this topic, once and for all:

Why does the Canadian ( or any Government) require a person immigrating to show proof of funds? As you may guess, the answer is simple-

1) No Government in the West would want scores of people who have been let in seen "begging" around subways, shopping malls etc. for food or money.
2) The amount depending on members in the family is related to the current inflation levels in the country, and hence changes frequently- the logic of the Government is that if the individual and the family are let in, there should be enough resources that can easily be available to sustain them till the Canadian dollar comes flowing into the person's bank account ( salary, investment return etc).

Therefore, the amount you (or anyone) needs is NET amount i.e. all Income sources minus all liabilities= minimum required balance ( depending on the size of the family, the principal applicant should fulfill CIC requirements). Obviously, since CIC is interested in "liquid" cash ( readily available money), it frowns on taking loans ( anyone could be asked to return a loan at short notice, and a loan is a liability, not an asset).

Hope that clarifies the situation....
PeeGee

 

[asg451]

HI asg,

A few points: As mentioned by Shagun, unless there is a Police case registered by the landlord/company, it will not show up on a criminal search. However, it would show up on your credit search. Credit research agencies are the easiest sources for Government agencies to verify address records, as all the details are present- whether they do it is another matter. If they do, your credit score could be adversely affected if the landlord/agency "reported" you for the arrears.

Hello PeeGee,

Thank you for your reply. I'm not quoting the other helpful part of your post as it is personally irrelevant (never married/single , no credit cards or loans, working full time and have more than adequate funds in savings account).

Regarding the credit history part - can applications be rejected because of bad credit reports? As I mentioned in my original post - I don't have any credit history in the US, never used a credit card there. There might still be a bad credit report - if the landlord/agency reports me, but to me it seems there is a difference between unpaid loans (credit cards, other loans) to financial institutions (that directly show up on financial reports) versus these kinds of claims which could be unsubstantiated in the first place. Of course, I could be wrong on this.

Many thanks.

 

[kaddu747]

Hello PeeGee,

Thank you for your reply. I'm not quoting the other helpful part of your post as it is personally irrelevant (never married/single , no credit cards or loans, working full time and have more than adequate funds in savings account).

Regarding the credit history part - can applications be rejected because of bad credit reports? As I mentioned in my original post - I don't have any credit history in the US, never used a credit card there. There might still be a bad credit report - if the landlord/agency reports me, but to me it seems there is a difference between unpaid loans (credit cards, other loans) to financial institutions (that directly show up on financial reports) versus these kinds of claims which could be unsubstantiated in the first place. Of course, I could be wrong on this.

Many thanks.

Your assumption/understanding that no credit card means no credit history is incorrect.

Having said that, your credit history rating in US has nothing to do with CIC's assessment.

 

[peegee100]

I concur with Kaddu- no credit card does not mean no credit history- it means that you have "poor" or "fair" credit history. Why so? its because if you have never borrowed money ( from a creditor like a credit card issuer), and therefore, never had to repay it, how would a potential future creditor know that you are a poor re-payer ( high risk), or a good re-payer ( good risk)? hence, your credit score would be fair at best.
CIC would not bother with your credit score, only perhaps your address history, if they want to...

PeeGee