{"id":13175,"date":"2024-01-26T14:25:49","date_gmt":"2024-01-26T19:25:49","guid":{"rendered":"https:\/\/www.2026-pfc.reviewyoursite.ca\/blog\/?p=13175"},"modified":"2025-03-07T10:26:36","modified_gmt":"2025-03-07T15:26:36","slug":"building-a-canadian-credit-history","status":"publish","type":"post","link":"https:\/\/2026-pfc.reviewyoursite.ca\/blog\/managing-money\/building-a-canadian-credit-history","title":{"rendered":"Building Credit History in Canada as a Newcomer"},"content":{"rendered":"\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>A lesson many newcomers learn when they arrive in Canada is that you need credit to pay for large expenses, buy a car, or purchase a home. However, it&#8217;s difficult to borrow without a credit history in Canada. Canadian lenders typically check each applicant\u2019s credit files at one of the main credit reporting agencies (Equifax Canada and TransUnion). This file is like a financial report card that tracks how much you borrow and how quickly you pay it back, to calculate your credit rating and credit score.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Without a credit history, newcomers may need a loan co-signer with a Canadian credit rating, and considerable assets as collateral, or they must demonstrate a history of stable income in Canada to receive a loan. Fortunately, you can start to <a href=\"https:\/\/bit.ly\/3OvxipP\" target=\"_blank\" rel=\"noreferrer noopener\">build your credit record<\/a> and history shortly after you arrive in Canada.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Getting Started<\/strong><\/h2>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>The financial decisions you make when you arrive in Canada have a huge impact on your credit history and score. The concept of credit can sometimes lead to a debate about how it can help, or hurt you when you are building your credit rating. On one hand, credit can be a fantastic tool to help you:<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get a loan or a mortgage<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Save on credit card and loan interest rates<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get approval for lines of credit<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Obtain certain jobs (i.e. some finance-related roles will require a credit check as a condition of employment)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rent&nbsp;a home. <\/li>\n<\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>On the other hand, if poorly managed, credit can haunt you for many years, and make you miss out on financial opportunities. Creditors can run a credit check on you to assess if you are a low-risk or high-risk borrower. They will also decide to grant or deny you a loan or charge you a higher interest rate.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is Credit History?<\/strong><\/h2>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Your credit history shows lenders that you are responsible when repaying your financial obligations. Whether that is your monthly rent, utility bills, loans, etc. If you come from a country with credit bureaus, you know how important your credit history is. Maintaining a good credit history in Canada is also important. We\u2019ll share tips to help you build and maintain a healthy credit report. With a strong credit history, you can save money and have more financial freedom.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><span style=\"font-weight: 400;\">So what is your credit score when you come to Canada? Nothing. Think of it as a blank slate. Your financial habits will dictate the direction of your credit rating up or down.<\/span><\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Your credit history or credit rating starts the first time you get a credit card or loan in your name from a Canadian bank. You can begin by applying for and using a credit card responsibly.<\/p>\n\n\n\n<p>Even if you don\u2019t have immediate plans to buy a house or vehicle, it&#8217;s good to establish a credit history, since banks may give special consideration to recent newcomers.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Newcomers may be eligible for a \u2018secured\u2019 credit card. A secured credit card is different than a regular credit card because it requires a security deposit equal to the amount of the credit limit. Think of it as a stepping stone to getting an unsecured credit card. Such special offers may be more difficult to obtain later, especially if your income does not grow as fast as you had hoped. A <a href=\"https:\/\/www.2026-pfc.reviewyoursite.ca\/blog\/before-you-arrive\/banking-and-finance\/how-to-apply-for-a-credit-card-in-canada\/\">credit card<\/a> is also useful for larger purchases and as a secondary piece of identification.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nbsp\">&nbsp;<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-is-your-credit-score-important\"><strong>Why is Your Credit Score Important?<\/strong><\/h2>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Your credit score is important for several reasons:<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li>1. Lenders will review your credit score when you want a <a href=\"https:\/\/www.2026-pfc.reviewyoursite.ca\/blog\/after-you-arrive\/living-in-canada\/5-tips-to-get-the-best-mortgage-rates-in-canada\/\">mortgage to buy a home<\/a>, or a loan to buy a car. They want to understand your payment history, and your ability to manage credit and pay off debt.<\/li>\n<\/ol>\n\n\n\n<p>2. Landlords will conduct a credit check before renting their property to you.<\/p>\n\n\n\n<p>3. Some employers will conduct a credit check before they make a job offer. This is common in some roles at banks and other financial institutions such as insurance companies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nbsp-0\">&nbsp;<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-credit-score-is-good\"><strong>What Credit Score is Good?<\/strong><\/h2>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Your credit score can fall between the range of 300 \u2013 900. Generally, and depending on the credit score model that your financial institute is using a good score is greater than 680. As a benchmark, to get a mortgage to buy a house in Canada, you need a credit score between 600 \u2013 700. If your credit score is lower than 600, you will want to take steps to increase your credit score.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-22450\" src=\"https:\/\/www.2026-pfc.reviewyoursite.ca\/blog\/wp-content\/uploads\/Canadian-Credit-Score-Range.png\" alt=\"Canadian Credit Score Range\" width=\"1200\" height=\"284\" srcset=\"https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2019\/11\/16160718\/Canadian-Credit-Score-Range.png 1200w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2019\/11\/16160718\/Canadian-Credit-Score-Range-300x71.png 300w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2019\/11\/16160718\/Canadian-Credit-Score-Range-1024x242.png 1024w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2019\/11\/16160718\/Canadian-Credit-Score-Range-768x182.png 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/h2>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Once you receive a credit card, use it wisely to establish a credit score so that lenders will have confidence in your ability to repay loans.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Your credit score can fall between 300 &#8211; 900 points. You require a minimum of 650 points to qualify for a loan.  It&#8217;s difficult to get a loan or receive new credit with a low score.  However, if you have a low credit score, you can improve your score by carefully managing your credit use.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<section class=\"rounded-btn border-b-2 border-light-grey bg-off-white lg:grid lg:grid-cols-3 gap-2\">\n    <article class=\"lg:col-span-2 flex flex-col gap-4 p-6 lg:p-12\">\n        <h3 class=\"text-2xl\">Arrive in Canada Financially Prepared<\/h3>\n        <p>Ready to take control of your financial journey in Canada? Join our expert-led online webinar! Learn essential banking tips to build a strong financial foundation. Hear from David Frattini, Managing Partner at Prepare for Canada, and Neil Dhanani, Financial Advisor at Scotiabank, as they guide you through everything you need to know.<\/p>\n                    <a class=\"flex flex-row w-fit gap-2 rounded-btn btn-secondary p-5 transition ease-in-out text-lg font-bold\"\n               href=\"https:\/\/2026-pfc.reviewyoursite.ca\/blog\/webinars\/finance-webinar\">REGISTER FOR THE WEBINAR                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\">\n                    <path\n                        d=\"M13.1752 20.175L14.8248 21.8247L22.6497 13.9999L14.8248 6.17505L13.1752 7.82472L18.1837 12.8332H7V15.1665H18.1837L13.1752 20.175Z\"\n                        fill=\"white\"\/>\n                <\/svg>\n            <\/a>\n            <\/article>\n    <div class=\"relative lg:col-span-1\">\n                    <video src=\"https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/01\/18123708\/Banking_In_Canada_webinar_for_newcomers.mp4\" autoplay loop playsinline muted\n                   class=\"absolute inset-0 h-full w-full object-cover rounded-3xl\"><\/video>\n            <\/div>\n<\/section>\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Much Credit Limit Should I Use?<\/strong><\/h2>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>If possible, avoid using more than 30% of your credit limit (balance-to-limit ratio). For example, if you have a credit limit of $1,000, you should try not to spend more than $300 and pay the bill in full by the due date.  <\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Your credit score may decline if your balance-to-limit ratio exceeds 30% because it indicates to creditors that you are a higher-risk borrower.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Many Credit Cards Can I Have?<\/strong><\/h2>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>It\u2019s best to start with only one until you are financially comfortable enough to afford more. Avoid opening many credit accounts. Many credit card accounts can signal financial distress to lenders, especially if they all carry a balance on them.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/www.2026-pfc.reviewyoursite.ca\/blog\/wp-content\/uploads\/Young-Asian-man-is-seated-on-the-floor-with-wife-and-baby-in-their-new-rental-apartment.png\" alt=\"A young Asian man is seated on the floor with his wife and baby in their new rental apartment. \" class=\"wp-image-229573\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-credit-history-is-important-to-rent-a-home-in-canada\"><strong>Why Credit History is Important to Rent a Home in Canada<\/strong><\/h2>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Your credit history is one of the things landlords want to see before giving out their home to you. Your credit history will tell the landlord how reliably you pay debt. A good score and credit report in Canada will show the landlord you are reliable and will likely pay your rent on time. This is important to landlords as it guides their decision about who to rent their home or avoid.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>While this arrangement is great for landlords, it can be problematic for newcomers looking to rent a home. If you are a newcomer to Canada, you likely will not have a credit history. It takes a minimum of six months to&nbsp;build a credit history. Because of this, it can often be hard to convince a landlord that you will be a reliable tenant. However, there are some tips that you can follow to rent a home without a credit history.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Do I Rent a Home Without a Credit History?<\/strong><\/h2>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>The first thing you can do is show proof to your future landlord that you have a good amount of savings in your bank account. This will tell the landlord that you have enough money to pay the rent and will pay it on time.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>If you don\u2019t have large savings, your top priority is to secure a source of income. Once you have done that, you can show proof of income to your landlord. This will also satisfy landlords because it means that you have enough stable income to pay the rent each month.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>In the meantime, pay any bills you have on time to show lenders that you are financially responsible. Over time, you will build a strong credit report in Canada that can open doors to your financial goals.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/www.2026-pfc.reviewyoursite.ca\/blog\/wp-content\/uploads\/A-mobile-device-displays-an-excellent-credit-score-resting-on-top-of-a-paper-credit-application-1-1.png\" alt=\"Young Indian woman holding a smart phone and using a mobile app to pay a monthly credit card bill.\" class=\"wp-image-47202\" srcset=\"https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2023\/03\/16161134\/A-mobile-device-displays-an-excellent-credit-score-resting-on-top-of-a-paper-credit-application-1-1.png 600w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2023\/03\/16161134\/A-mobile-device-displays-an-excellent-credit-score-resting-on-top-of-a-paper-credit-application-1-1-300x200.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-i-maintain-a-good-credit-history-five-tips-to-follow\"><strong>How Do I Maintain a Good Credit History?<\/strong> <strong>Five Tips to Follow<\/strong><\/h2>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Take Advantage of Your Fresh Start in Canada to Build a Good Credit History<\/strong><\/h3>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Get a credit card or two, and use them, but use them sensibly. Pay off your balance monthly and avoid exceeding your limit to show potential lenders you are reliable.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Paying in full each month will reduce the amount of interest you pay. And with the average credit card interest rate at approximately 20%, any balance on your credit card can be expensive.  But, if you don&#8217;t pay the balance in full each month, pay attention to how much you pay in interest. <\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>If you can\u2019t pay the full balance on your credit card, at least pay the minimum balance and make regular payments, to pay debts as quickly as possible. But, avoid missing payments. Missing payments can damage your credit score and make it difficult to get&nbsp;a future loan such as a car loan, or mortgage.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Using your credit card for cash advances is even more expensive. Typically, the interest rate is higher and you pay interest from the date of the cash advance. There is no grace period like there is for a regular credit card purchase.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-read-the-small-print-on-cancellation-fees-and-penalties\"><strong>2. Read the Small Print on Cancellation Fees and Penalties<\/strong><\/h3>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>On top of paying your monthly bills and loan installments on time, be careful when you sign up for services such as cable, telephone, internet, gym memberships, and other monthly subscriptions. Check the cancellation fees and deadlines when you sign up for services. Otherwise, these fees can be high.<\/p>\n\n\n\n<p>Ask questions about your contract if there is anything that you do not clearly understand.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-keep-track-of-your-utility-changes\"><strong>3. Keep Track of Your Utility Changes<\/strong><\/h3>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Remember to cancel or transfer your services and utilities when you move to a new address. Sometimes final bills end up in collections out of sheer neglect, and from collections, they land on your credit report for the next six years. This will negatively affect your credit report in Canada. Keep track of changes and record the date, the names of the agents you speak to, and your case number. Keep any receipts to prove that you cancelled the service. <\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Negotiate a Payment Schedule with Creditors if You Hit a Rough Patch<\/strong><\/h3>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Don&#8217;t be complacent with your payments if you hit a rough patch such as a job loss.  Call your creditors and negotiate monthly payments. They will likely be willing to help you because sending outstanding accounts to collections will cost them money. Cancel or suspend services you can do without, rather than have the bills rack up.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>It&#8217;s wise to live within your financial means. As the saying goes, &#8220;It&#8217;s not how much you earn, it&#8217;s how much you spend.&#8221;<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-use-services-to-track-your-credit-history-and-maintain-a-good-credit-report-in-canada\"><strong>5. Use Services to Track Your Credit History and Maintain a Good Credit Report in Canada<\/strong><\/h3>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Most banks including Scotiabank offer account holders this facility. Alternatively, use free services like&nbsp;<a href=\"https:\/\/bit.ly\/3OvxipP\">Borrowell<\/a>&nbsp;to monitor your credit. If you notice outstanding payments you have paid off on your report you should inform the reporting agency in writing so that this may be removed.&nbsp;&nbsp;<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/www.2026-pfc.reviewyoursite.ca\/blog\/wp-content\/uploads\/Young-Indian-woman-holding-smart-phone-and-using-online-app-to-pay-monthyly-credit-card-bill.png\" alt=\"\" class=\"wp-image-47203\" srcset=\"https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2023\/03\/16161136\/Young-Indian-woman-holding-smart-phone-and-using-online-app-to-pay-monthyly-credit-card-bill.png 600w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2023\/03\/16161136\/Young-Indian-woman-holding-smart-phone-and-using-online-app-to-pay-monthyly-credit-card-bill-300x200.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What&#8217;s in Your Credit Report?<\/strong><\/h2>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Credit reporting agencies such as Equifax and TransUnion record your credit history. Your credit report in Canada will contain information on your:<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loans <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit accounts<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bills (for example, outstanding cell phone bills can be listed on your credit report)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Collections items (for example, if an outstanding debt is sent to a collections agency), and<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Legal items (for example, if a court order is issued against you for an outstanding debt).<\/li>\n<\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Collections items stay on your credit report for six years, and legal items stay for ten years. So it\u2019s essential to practice good financial habits that don&#8217;t jeopardize your credit rating. Your credit history speaks volumes to lenders about what kind of risks they take when they agree to lend you money. It takes a long time to build a credit history. Yet, it\u2019s easy to sabotage and takes even longer to rebuild.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>So, can you live without credit? Yes. But, should you try to do without it? No. Because without credit, it will be difficult to improve your living standards, at the very least, not as quickly as you would like. And, when it comes to making major purchases such as buying your first home, a strong credit report in Canada is essential. When you manage how you use credit, you&#8217;ll remain in good financial standing and be able to secure credit to achieve your important dreams.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":246867,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[313,26],"tags":[44],"class_list":["post-13175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-building-credit","category-managing-money","tag-spending"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Building Credit History in Canada as a Newcomer | Prepare for Canada<\/title>\n<meta name=\"description\" content=\"Building credit history and a high score in Canada is vital. 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