Credit Checks, can anyone offer advice please?
Jan 11th 2008, 11:26 pm
#1
Just Joined
Thread Starter
Joined: Jan 2008
Posts: 5
Credit Checks, can anyone offer advice please?
Hello, I'm new here 
I apologise if this has been asked before,I have been searching the forum for a couple of hours but can't find an answer....
My husband and I are hoping to emigrate to Calgary, he is a uk police officer and has 6 years service. We've downloaded the application form but it says that you need to provide your credit history, and it also asks if you have ever had debt problems on the actual form.
I lost my job 3 years ago, long story but I was sacked for being pregnant, I sued the company and won, BUT in the year it took to go through with that we had problems repaying our debts. We went to the cccs who put us on a debt management plan. We have remained on this and have made our reduced repayments every month since. As a result of the money problems we got 5 defaults between the 2 of us.
So i'm just wondering, would you recommend:
1. Applying to Calgary Police and admitting to the problems.
2. Defer immigration for a couple of years, resume normal debt repayment and aim to partially repair credit problems before applying to Calgary police.
3. Apply for immigration under the skilled worker class and apply to police once out there? I've heard that credit history isn't checked when applying for immigration???
I'm sorry for the questions, or if any of my questions are stupid.
Thanks to anyone who can offer help,it will be much appreciated.
Helen
I apologise if this has been asked before,I have been searching the forum for a couple of hours but can't find an answer....
My husband and I are hoping to emigrate to Calgary, he is a uk police officer and has 6 years service. We've downloaded the application form but it says that you need to provide your credit history, and it also asks if you have ever had debt problems on the actual form.
I lost my job 3 years ago, long story but I was sacked for being pregnant, I sued the company and won, BUT in the year it took to go through with that we had problems repaying our debts. We went to the cccs who put us on a debt management plan. We have remained on this and have made our reduced repayments every month since. As a result of the money problems we got 5 defaults between the 2 of us.
So i'm just wondering, would you recommend:
1. Applying to Calgary Police and admitting to the problems.
2. Defer immigration for a couple of years, resume normal debt repayment and aim to partially repair credit problems before applying to Calgary police.
3. Apply for immigration under the skilled worker class and apply to police once out there? I've heard that credit history isn't checked when applying for immigration???
I'm sorry for the questions, or if any of my questions are stupid.
Thanks to anyone who can offer help,it will be much appreciated.
Helen
Jan 12th 2008, 12:05 am
#2
BE Enthusiast
Joined: Apr 2005
Location: Wellington, Nova Scotia
Posts: 717
Re: Credit Checks, can anyone offer advice please?
Hi and welcome,
I can't help but maybe somebody on here can, try posting something on here if nobody answers your question.
Good Luck
Rosie
http://http://britishexpats.com/foru...splay.php?f=79
I can't help but maybe somebody on here can, try posting something on here if nobody answers your question.
Good Luck
Rosie
http://http://britishexpats.com/foru...splay.php?f=79
Jan 12th 2008, 12:06 am
#3
Just Joined
Thread Starter
Joined: Jan 2008
Posts: 5
Re: Credit Checks, can anyone offer advice please?
Thank you,
The link isn't working, or am I doing something wrong?
Helen
The link isn't working, or am I doing something wrong?
Helen
Last edited by hlt77; Jan 12th 2008 at 12:08 am.
Jan 12th 2008, 2:02 am
#4
BE Enthusiast
Joined: Oct 2007
Location: Calgary, Alberta
Posts: 610
Re: Credit Checks, can anyone offer advice please?
Hello, I'm new here
I apologise if this has been asked before,I have been searching the forum for a couple of hours but can't find an answer....
My husband and I are hoping to emigrate to Calgary, he is a uk police officer and has 6 years service. We've downloaded the application form but it says that you need to provide your credit history, and it also asks if you have ever had debt problems on the actual form.
I lost my job 3 years ago, long story but I was sacked for being pregnant, I sued the company and won, BUT in the year it took to go through with that we had problems repaying our debts. We went to the cccs who put us on a debt management plan. We have remained on this and have made our reduced repayments every month since. As a result of the money problems we got 5 defaults between the 2 of us.
So i'm just wondering, would you recommend:
1. Applying to Calgary Police and admitting to the problems.
2. Defer immigration for a couple of years, resume normal debt repayment and aim to partially repair credit problems before applying to Calgary police.
3. Apply for immigration under the skilled worker class and apply to police once out there? I've heard that credit history isn't checked when applying for immigration???
I'm sorry for the questions, or if any of my questions are stupid.
Thanks to anyone who can offer help,it will be much appreciated.
Helen
I apologise if this has been asked before,I have been searching the forum for a couple of hours but can't find an answer....
My husband and I are hoping to emigrate to Calgary, he is a uk police officer and has 6 years service. We've downloaded the application form but it says that you need to provide your credit history, and it also asks if you have ever had debt problems on the actual form.
I lost my job 3 years ago, long story but I was sacked for being pregnant, I sued the company and won, BUT in the year it took to go through with that we had problems repaying our debts. We went to the cccs who put us on a debt management plan. We have remained on this and have made our reduced repayments every month since. As a result of the money problems we got 5 defaults between the 2 of us.
So i'm just wondering, would you recommend:
1. Applying to Calgary Police and admitting to the problems.
2. Defer immigration for a couple of years, resume normal debt repayment and aim to partially repair credit problems before applying to Calgary police.
3. Apply for immigration under the skilled worker class and apply to police once out there? I've heard that credit history isn't checked when applying for immigration???
I'm sorry for the questions, or if any of my questions are stupid.
Thanks to anyone who can offer help,it will be much appreciated.
Helen
Not too sure about the Calgary Police force application process, but I do know they are paid by the city & that they are desperate to recruit especially from the UK. RCMP would probably be a bit more picky as they are federal. Personally from what you have written I believe you've done the right thing and proved your commitment during a difficult financial time. Try speaking to their HR people before you file your application.
That said if you intend to purchase a property here and have less than 35% deposit you will need to bring UK credit bureau to avoid being viewed as high risk. You could always rent here, establish a credit history and a year or so on apply for a mortgage.
I know of an expat here who has recently qualified as mortgage adviser who is specializing in assisting new comers to Canada. I can PM her details if you are interested.
Thomas
Jan 12th 2008, 2:41 am
#5
BE Enthusiast
Joined: Apr 2005
Location: Wellington, Nova Scotia
Posts: 717
Re: Credit Checks, can anyone offer advice please?
Hi Helen
Sorry, here try again
Rosie
yep it works now
http://britishexpats.com/forum/forumdisplay.php?f=79
Sorry, here try again
Rosie
yep it works now
http://britishexpats.com/forum/forumdisplay.php?f=79
Last edited by RodRos&Co.; Jan 12th 2008 at 2:42 am. Reason: just checking
Jan 12th 2008, 5:04 am
#6
BE Forum Addict
Joined: Feb 2005
Posts: 1,533
Re: Credit Checks, can anyone offer advice please?
Hello, I'm new here
I apologise if this has been asked before,I have been searching the forum for a couple of hours but can't find an answer....
My husband and I are hoping to emigrate to Calgary, he is a uk police officer and has 6 years service. We've downloaded the application form but it says that you need to provide your credit history, and it also asks if you have ever had debt problems on the actual form.
I lost my job 3 years ago, long story but I was sacked for being pregnant, I sued the company and won, BUT in the year it took to go through with that we had problems repaying our debts. We went to the cccs who put us on a debt management plan. We have remained on this and have made our reduced repayments every month since. As a result of the money problems we got 5 defaults between the 2 of us.
So i'm just wondering, would you recommend:
1. Applying to Calgary Police and admitting to the problems.
2. Defer immigration for a couple of years, resume normal debt repayment and aim to partially repair credit problems before applying to Calgary police.
3. Apply for immigration under the skilled worker class and apply to police once out there? I've heard that credit history isn't checked when applying for immigration???
I'm sorry for the questions, or if any of my questions are stupid.
Thanks to anyone who can offer help,it will be much appreciated.
Helen
I apologise if this has been asked before,I have been searching the forum for a couple of hours but can't find an answer....
My husband and I are hoping to emigrate to Calgary, he is a uk police officer and has 6 years service. We've downloaded the application form but it says that you need to provide your credit history, and it also asks if you have ever had debt problems on the actual form.
I lost my job 3 years ago, long story but I was sacked for being pregnant, I sued the company and won, BUT in the year it took to go through with that we had problems repaying our debts. We went to the cccs who put us on a debt management plan. We have remained on this and have made our reduced repayments every month since. As a result of the money problems we got 5 defaults between the 2 of us.
So i'm just wondering, would you recommend:
1. Applying to Calgary Police and admitting to the problems.
2. Defer immigration for a couple of years, resume normal debt repayment and aim to partially repair credit problems before applying to Calgary police.
3. Apply for immigration under the skilled worker class and apply to police once out there? I've heard that credit history isn't checked when applying for immigration???
I'm sorry for the questions, or if any of my questions are stupid.
Thanks to anyone who can offer help,it will be much appreciated.
Helen
I would just send a covering letter with your application to Calgary Police explaining. If they want to speak to you about it then they can always use the Polygraph test to see if you are telling the truth.
I wouldn't let it stop you.....presumably things are now going more smoothly for you? and you can show the credit file as proof that you have picked yourself up?
Good Luck whatever you decide to do
Stef and Lins
Jan 12th 2008, 5:18 am
#7
Painting r own Rainbow
Joined: May 2007
Location: Crickhowell, Wales -
Posts: 509
Re: Credit Checks, can anyone offer advice please?
Hi
Not too sure about the Calgary Police force application process, but I do know they are paid by the city & that they are desperate to recruit especially from the UK. RCMP would probably be a bit more picky as they are federal. Personally from what you have written I believe you've done the right thing and proved your commitment during a difficult financial time. Try speaking to their HR people before you file your application.
That said if you intend to purchase a property here and have less than 35% deposit you will need to bring UK credit bureau to avoid being viewed as high risk. You could always rent here, establish a credit history and a year or so on apply for a mortgage.
I know of an expat here who has recently qualified as mortgage adviser who is specializing in assisting new comers to Canada. I can PM her details if you are interested.
Thomas
Not too sure about the Calgary Police force application process, but I do know they are paid by the city & that they are desperate to recruit especially from the UK. RCMP would probably be a bit more picky as they are federal. Personally from what you have written I believe you've done the right thing and proved your commitment during a difficult financial time. Try speaking to their HR people before you file your application.
That said if you intend to purchase a property here and have less than 35% deposit you will need to bring UK credit bureau to avoid being viewed as high risk. You could always rent here, establish a credit history and a year or so on apply for a mortgage.
I know of an expat here who has recently qualified as mortgage adviser who is specializing in assisting new comers to Canada. I can PM her details if you are interested.
Thomas
Sorry to jump in on this post - but just wondered if you would be kind enough to let me have the details of the mortgage adviser you know.
Many thanks
Dawn
Jan 12th 2008, 9:04 am
#8
Forum Regular
Joined: Nov 2006
Posts: 268
Re: Credit Checks, can anyone offer advice please?
Hi
Could I have the mortgage guys details as well please. Hope you are charging commission for this!!!
Many thanks
Pete
Could I have the mortgage guys details as well please. Hope you are charging commission for this!!!
Many thanks
Pete
Jan 13th 2008, 3:21 am
#9
Just Joined
Thread Starter
Joined: Jan 2008
Posts: 5
Re: Credit Checks, can anyone offer advice please?
Thanks everyone for great advice
We're going to go for it, going to send a covering letter explaining everything along with a copy of my court decision that confirms I was subject of unfair dismissal.
Thanks again
Helen
We're going to go for it, going to send a covering letter explaining everything along with a copy of my court decision that confirms I was subject of unfair dismissal.
Thanks again
Helen
Jan 16th 2008, 12:18 pm
#10
BE Enthusiast
Joined: Oct 2007
Location: Calgary, Alberta
Posts: 610
Re: Credit Checks, can anyone offer advice please?
I will PM the details of mortgage broker to all those who have requested these details shortly.
Jan 17th 2008, 4:23 am
#11
Painting r own Rainbow
Joined: May 2007
Location: Crickhowell, Wales -
Posts: 509
Jan 19th 2008, 12:53 am
#12
Forum Regular
Joined: Mar 2007
Location: Toronto
Posts: 86
Re: Credit Checks, can anyone offer advice please?
The Calgary Police Service has recently relaxed their recruiting standards, so that those who are NOT presently a Canadian citizen, or a Permanent Resident card holder, may apply, while they are waiting to get their PR status. Source.....Calgary Police website.
The RCMP will ONLY accept applicants who ARE Canadian citizens. RCMP officers must be willing to serve at any location in Canada.
Source....RCMP recruiting website .
Jim Bunting. Toronto.
The RCMP will ONLY accept applicants who ARE Canadian citizens. RCMP officers must be willing to serve at any location in Canada.
Source....RCMP recruiting website .
Jim Bunting. Toronto.
