Can I transfer my credit history from another country to Canada?

Reviewed by Keith Chan · 2026-10-16

Not automatically: Canada's credit bureaus only track Canadian accounts. But Scotiabank and RBC (through its Global Credit Connect program) work with Nova Credit, which can share your credit history from select countries with them when you apply, and that can help you get a higher credit limit.

How Nova Credit works

When you apply with a partner bank, you can choose to let Nova Credit request your report from a credit bureau in your home country and translate it for the Canadian lender. It does not create a Canadian credit score; it helps that bank decide your application and limit. Only some countries are supported, so check Nova Credit's list for your country before you apply.

If your country is not supported

Ask your bank at home for a reference letter, and bring statements showing your credit history. Some lenders, especially for mortgages, will consider these. Then build your Canadian history with a newcomer card or a secured card.

Will my credit score from home show up in Canada?

No. Equifax and TransUnion in Canada start you with no history. Foreign history only helps with lenders that choose to look at it, such as through Nova Credit.

Official sources

How long to build credit in Canada · Compare bank newcomer programs · All newcomer & student guides

General information only, not financial, legal, tax or immigration advice. Rules change; confirm with the official source or a licensed professional before you act.