Hi there

We are seriously looking to re-locate to Canada with our 5yr old daughter and wondered if anyone had any information at all with regards to poor credit. We have suffered in the current financial climate and this has left us with a very poor credit rating (husband lost his job etc), does credit worthiness have any bearing on your application? Has anyone in a similar situation been sucessful in their application or are we wasting our time in even applying? Any comments will be greatly received. Thanks

Your credit rating is not a factor that is considered. However, if you are seeking permanent residency you need either arranged employment or evidence that you have a certain amount of unencumbered funds you can use to help you settle when you first arrive. From memory, it is about $25,000 for a family.

In Canada you start with a completely new credit history. Although you loose your bad UK rating it can be difficult for a newcomer to get a new car loan or credit card.

same as the other poster said, when you arrive it can be hard without a credit report to hand, we got ours, we also brought over receipts from bills that we paid off to show what we had paid etc

It didnt help with gas and electric as they still wanted a deposit, but you do get that back
Also having a job to come to can help with the proof of funds as you dont need this, our pot was hammered with the credit crunch and we did it on limited funds, but shop wise, learn the area and you will be fine...
what line of business are you in???

LB

Many Thanks. Although we have the funds required (and hopefully job too) we were just worried that when we submit our application the credit history would go against us. Thanks again.

You wont need to worry about anything, when I came to Cananda (I was family class so no need for any money to land.) I had just finished bankruptcy in the US, and had horrible credit from medical debt.

Thanks for the advice - will certainly keep some receipts etc and bring them with us (providing we are successful). I work in Leisure and Tourism and my husband is an electrician. We are looking at Victoria which I understand could be good for the Tourism industry although not sure how my husband will fair looking for work in this area - more research is needed I think. Thanks again for the response. Much appreciated.

What kind of electrician is he??
My hubby is also an electrician, if he qualifys for challenging the red seal, then it maybe the best route in, just an idea

LB

Hi LB, apologies for the delay (mad week in work). He is a commercial electrician and is employed by a company who specialise in retail maintenance. We have done a little research on the Red Seal Certificate, are we correct in thinking each province will have its own standards examination and once this is passed you then go onto sit the Red Seal Exam? Do you know if there are any websites where he can have a look-see and try and understand the ins and outs of what is required? Any tips will be gratefully received.

The one that i have for alberta is http://www.tradesecrets.gov.ab.ca/in...ex_content.asp

If he is able to challenge the exam, the he will be open for a LMO if he can get an employer to go through the process, i would actually look at the smaller places rather the bigger cities as it is them that are looking for people.....
also look on the job bank and monster, another good one is try and bring the local paper up for the area and if you have a certain area in your search get that resume to them, especially if you can get over on recci

Hope that has helped

LB

Cheers for that, we will have a look and do more research. Many thanks for all your help.

If you need any help feel free to PM me (private message) - i spend my time on facebook these days, plus they also have a great expat group on there ;-)
Good luck with the reading

LB

what is the expat site called on facebook please