Building a Canadian credit history
Your credit history doesn't come with you — start building one with a card, and understand why it matters for renting and loans.
Your credit history doesn't come with you — start building one with a card, and understand why it matters for renting and loans.
Key points to understand
Start with a secured or newcomer credit card
Start with a secured or newcomer credit card. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.
How the credit score works (Equifax / TransUnion)
How the credit score works (Equifax / TransUnion). In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.
Why landlords, lenders and some employers check it
Why landlords, lenders and some employers check it. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.
Practical tips
- Prepare your documents and translations in advance — most delays come from missing paperwork.
- Always note the office name, address, and a contact number before you go.
- Ask the community on MyHAbroad if you’re unsure — chances are someone has already been through it.
Always verify with official sources before acting on the information above.
MyHAbroad is an independent app and is not affiliated with, endorsed by, or representing any government or public authority. Content is general information only — not legal, tax, medical, or financial advice. Always confirm details with the official sources above before acting.