History of North America

Will your US credit history be available in Canada?

In general, your US credit history will not be available to lenders in Canada. Canada has its own credit reporting system and credit bureaus, which are separate from those in the United States.

Your US credit history may be relevant in limited situations, such as when you are applying for certain types of loans or credit cards that are offered by US-based lenders in Canada. In such cases, the lender may choose to consider your US credit history as part of their assessment. However, it is not typically used by Canadian lenders when evaluating your creditworthiness for most financial products and services.