U.S. credit history will not transfer to Canada

world globalization


Dear Experian,

I am a citizen of both the U.S. and Canada. I currently reside in the U.S., but I plan to move with my family back to Canada. Will my United States credit history transfer to Canada? Are there credit card companies that offer accounts that will transfer from the U.S. to Canada?



Dear JST,

Unfortunately, your U.S. credit history will not transfer to Canadian credit reporting companies when you move. Each country has its own credit reporting system, with unique systems and different laws regulating them, so the information isn’t shared across borders.

After you move, you will need to build a credit history in Canada with creditors who report to Canadian credit reporting companies. It may be helpful to make copies of your credit reports from each of the credit reporting companies here in the U.S. so that you can show them to potential lenders for consideration.

Talk with your existing creditors. Some may operate in both the U.S. and Canada and might be able to transfer your current U.S. accounts to Canadian accounts, helping you establish a new credit history more quickly.

Thanks for asking.

The “Ask Experian” team

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