{"id":253869,"date":"2025-11-19T09:51:31","date_gmt":"2025-11-19T14:51:31","guid":{"rendered":"https:\/\/prepareforcanada.com\/?p=253869"},"modified":"2026-03-19T16:38:50","modified_gmt":"2026-03-19T20:38:50","slug":"international-credit-history-canada","status":"publish","type":"post","link":"https:\/\/prepareforcanada.com\/blog\/managing-money\/building-credit\/international-credit-history-canada","title":{"rendered":"How to Use Your International Credit History in Canada"},"content":{"rendered":"\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 0px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<p>Starting fresh in a new country often comes with learning curves, including understanding Canada\u2019s credit system. Even with excellent credit in your home country, Canadian lenders usually don\u2019t have access to it. This can make getting a credit card, qualifying for a loan, or renting an apartment a little more challenging. <\/p>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>The good news is that with Nova Credit and Scotiabank, newcomers can now access their international credit history in Canada, helping to give them an easier and faster path to building financial stability.<\/p>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 0px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-international-credit-history-in-canada\">What is International Credit History in Canada?<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>International credit history<\/strong> is your record of how you\u2019ve borrowed and repaid money in your home country.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Because Canadian lenders can\u2019t automatically access this information, many newcomers must build a new credit history from scratch. Nova Credit\u2019s <strong>Credit Passport<sup>\u00ae<\/sup><\/strong> helps bridge that gap by allowing newcomers from eligible countries to share their international credit profile with participating Canadian banks.<\/p>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 0px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"600\" src=\"https:\/\/prepareforcanada.com\/wp-content\/uploads\/2025\/09\/How-to-Use-Your-International-Credit-History-in-Canada-Image-2-1.jpg\" alt=\"Landlords will approve your rental application with a good credit history. A rental check document is stamped &quot;approved&quot;.\" class=\"wp-image-254441\" style=\"width:625px\" srcset=\"https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/09\/23101350\/How-to-Use-Your-International-Credit-History-in-Canada-Image-2-1.jpg 900w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/09\/23101350\/How-to-Use-Your-International-Credit-History-in-Canada-Image-2-1-512x341.jpg 512w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/09\/23101350\/How-to-Use-Your-International-Credit-History-in-Canada-Image-2-1-768x512.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption class=\"wp-element-caption\"><em>A good credit history can help you rent an apartment in Canada.<\/em><\/figcaption><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-is-credit-history-important-in-canada\">Why is Credit History Important in Canada?<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>A good credit history in Canada can help you:<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get approval for credit cards and loans.<\/li>\n\n\n\n<li>Rent an apartment.<\/li>\n\n\n\n<li>Sign up for phone or internet plans more easily. <\/li>\n<\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Without a Canadian credit history, many newcomers face limited options. That\u2019s why being able to use your international credit history in Canada is such an exciting breakthrough!<\/p>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 30px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\" id=\"h-can-newcomers-use-their-international-credit-history-in-canada\">Can Newcomers Use Their International Credit History in Canada?<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-black-color\"><strong>Yes.<\/strong> Through Nova Credit, newcomers from select countries can use their international credit history to receive higher limits on a new or existing Scotiabank credit card.<\/mark><\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-black-color\"><strong>Who qualifies?<\/strong> Permanent residents and foreign workers who have been in Canada for <strong>less than five years<\/strong>. <\/mark><\/li>\n\n\n\n<li><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-black-color\"><strong>Countries supported: <\/strong>Only certain partner countries (check here to <a href=\"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N438603.3374435PREPAREFORCANADA\/B32701255.428379575;dc_trk_aid=621525027;dc_trk_cid=240830840;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=;dc_tdv=1\" type=\"link\" id=\"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N438603.3374435PREPAREFORCANADA\/B32701255.428379575;dc_trk_aid=621525027;dc_trk_cid=240830840;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=;dc_tdv=1\" target=\"_blank\" rel=\"noreferrer noopener\">see the partner countries<\/a>).<\/mark><\/li>\n<\/ul>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 30px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-scotiabank-startright-program\">What is the Scotiabank <em>StartRight<\/em><strong><sup>\u00ae<\/sup><\/strong> Program<strong><sup>\u2021<\/sup><\/strong>?<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>In addition to Nova Credit, Scotiabank offers the <strong><em>StartRight<\/em>\u2122 Program<\/strong>, tailored for newcomers with benefits like:<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Access to a suite of products designed to help build your financial foundation in Canada.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No monthly chequing account fees<sup data-fn=\"41dc0b1f-2c53-4b06-93ce-061efacfc758\" class=\"fn\"><a id=\"41dc0b1f-2c53-4b06-93ce-061efacfc758-link\" href=\"#41dc0b1f-2c53-4b06-93ce-061efacfc758\">1<\/a><\/sup> for the first year on the Preferred Package.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No-fee international money transfers<sup data-fn=\"7aad7009-060b-42f7-a866-02415028d157\" class=\"fn\"><a id=\"7aad7009-060b-42f7-a866-02415028d157-link\" href=\"#7aad7009-060b-42f7-a866-02415028d157\">2<\/a><\/sup>.<\/li>\n<\/ul>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 0px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<h3 class=\"wp-block-heading\" id=\"h-how-does-scotiabank-use-nova-credit-for-newcomers\">How Does Scotiabank Use Nova Credit for Newcomers?<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Scotiabank is the <strong>first bank in Canada<\/strong> to integrate Nova Credit into its digital credit card application process for permanent residents and foreign workers.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>This means newcomers can:<\/strong><\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Apply online for credit card accounts.<\/li>\n\n\n\n<li>If approved, use their Credit Passport<sup>\u00ae<\/sup> to apply for a higher credit card limit right away.<\/li>\n<\/ul>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 0px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"600\" src=\"https:\/\/prepareforcanada.com\/wp-content\/uploads\/2025\/09\/How-to-Use-Your-International-Credit-History-Image-3.jpg\" alt=\"A man is completing an online banking application. \" class=\"wp-image-254448\" style=\"width:625px\" srcset=\"https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/09\/23102451\/How-to-Use-Your-International-Credit-History-Image-3.jpg 900w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/09\/23102451\/How-to-Use-Your-International-Credit-History-Image-3-512x341.jpg 512w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/09\/23102451\/How-to-Use-Your-International-Credit-History-Image-3-768x512.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-use-your-international-credit-history-in-canada-step-by-step\">How to Use Your International Credit History in Canada: Step-by-Step<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>1.<\/strong> <strong>Check eligibility:<\/strong> Confirm if Nova Credit partners with your country.<\/li>\n\n\n\n<li><strong>2.<\/strong> <strong>Apply online:<\/strong> Choose a Scotiabank credit card under the <a href=\"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N438603.3374435PREPAREFORCANADA\/B32701255.428377898;dc_trk_aid=621676501;dc_trk_cid=240830825;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=;dc_tdv=1\"><em>StartRight<\/em>\u2122 Program<\/a>.<\/li>\n\n\n\n<li><strong>3.<\/strong> <strong>Use Credit Passport<sup>\u00ae<\/sup><\/strong> to request a higher credit limit: If approved, allow  Nova Credit to share your international credit profile securely.<\/li>\n\n\n\n<li><strong>4.<\/strong> <strong>Build Canadian credit:<\/strong> Make on-time payments and keep balances low.<\/li>\n<\/ol>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-cyan-bluish-gray-background-color has-background\">\u27a1\ufe0f <strong>Solution:<\/strong> This process gives you a financial head start and avoids the \u201cno credit history\u201d problem most newcomers face.<\/p>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 0px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs-about-international-credit-in-canada\">FAQs About International Credit in Canada<\/h2>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 0px; padding-bottom: 0px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1761666772044\"><strong class=\"schema-faq-question\">Can I use my credit history from my home country in Canada?<br\/><\/strong> <p class=\"schema-faq-answer\"><br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-black-color\">Yes. Nova Credit allows newcomers from select countries to share their international credit history with Canadian banks. This helps banks evaluate your credit profile when you apply for credit products. <\/mark><br\/><mark style=\"background-color:rgba(0, 0, 0, 0);color:#00d084\" class=\"has-inline-color\"> <\/mark><br\/><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761666777599\"><strong class=\"schema-faq-question\">Do all banks in Canada accept international credit history?<br\/><br\/><\/strong> <p class=\"schema-faq-answer\">While some Canadian banks can review international credit history through in-branch applications, Scotiabank is the first to integrate Nova Credit into its <strong>digital onboarding process<\/strong>. This means permanent residents and foreign workers can use their international credit history online, making it faster and more convenient to apply for a higher limit as part of their credit card application with Scotiabank. <br\/><br\/><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761666926560\"><strong class=\"schema-faq-question\">Does using my international credit history replace my Canadian credit score?<br\/><br\/><\/strong> <p class=\"schema-faq-answer\">No. Your international credit history can help you qualify for a higher credit limit, but you still need to <a href=\"https:\/\/prepareforcanada.com\/managing-money\/building-credit\/building-a-canadian-credit-history\">build a Canadian credit score<\/a> over time. Read more about <a href=\"https:\/\/prepareforcanada.com\/managing-money\/building-credit\/how-to-apply-for-a-credit-card-in-canada\">how to get a credit card in Canada and avoid common mistakes<\/a>.<br\/><br\/><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761666990715\"><strong class=\"schema-faq-question\">Is there a fee to use Nova Credit with Scotiabank?<br\/><br\/><\/strong> <p class=\"schema-faq-answer\">No. It\u2019s included as part of Scotiabank\u2019s newcomer digital onboarding and credit card experience.<br\/><br\/><\/p> <\/div> <\/div>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 30px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"600\" src=\"https:\/\/prepareforcanada.com\/wp-content\/uploads\/2025\/09\/How-to-Use-Your-International-Credit-History-in-Canada-Image-5.jpg\" alt=\"Young expectant parents are buying baby stuff online using a credit card.\" class=\"wp-image-254468\" style=\"width:625px\" srcset=\"https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/09\/23111230\/How-to-Use-Your-International-Credit-History-in-Canada-Image-5.jpg 900w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/09\/23111230\/How-to-Use-Your-International-Credit-History-in-Canada-Image-5-512x341.jpg 512w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/09\/23111230\/How-to-Use-Your-International-Credit-History-in-Canada-Image-5-768x512.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption class=\"wp-element-caption\"><em>Your international credit history can help your financial future in Canada. <\/em><\/figcaption><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-thoughts\">Final Thoughts <\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><br>Being able to use your <strong>international credit history in Canada<\/strong> is a game-changer for newcomers. Instead of starting from zero, you can qualify for higher credit limits and build your Canadian credit score with confidence.<\/p>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 0px; padding-bottom: 0px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<p class=\"has-small-font-size\"><em>This article is provided for information purposes only. It is not to be relied upon as financial, tax or investment advice or guarantees about the future, nor should it be considered a recommendation to buy or sell. Information contained in this article, including information relating to interest rates, market conditions, tax rules, and other investment factors are subject to change without notice and The Bank of Nova Scotia is not responsible to update this information. All third party sources are believed to be accurate and reliable as of the date of publication and The Bank of Nova Scotia does not guarantee its accuracy or reliability. Readers should consult their own professional advisor for specific financial, investment and\/or tax advice tailored to their needs to ensure that individual circumstances are considered properly and action is taken based on the latest available information.<\/em><\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n<details class=\"wp-block-details has-proxima-nova-extra-condensed-font-family is-layout-flow wp-block-details-is-layout-flow\"><summary>Legal:<\/summary>\n<p class=\"has-small-font-size\"><sup>\u2021 <\/sup>Scotiabank&nbsp;<em>StartRight<\/em><sup>\u00ae<\/sup> Program is available only for Canadian Permanent Residents from 0-5 years in Canada, International Students and Foreign Workers.<br><br><\/p>\n\n\n\n<p class=\"has-small-font-size\"><sup>1<\/sup>To qualify for the 1-Year No Monthly Account Fee offer (the \u201cOffer\u201d), open a new Preferred Package account under the <em>StartRight<\/em>\u2122 Program (the \u201cAccount\u201d). During the first 12 months, your monthly Account fee will be waived and will not appear as a charge on your Account. The Account must be open and in good standing at the time of the waiver. All applicable service charges on the Account will continue to be applied monthly. After the first 12 months, you will begin to see the monthly Account fee charged to your Account unless you maintain a minimum daily closing balance of $4,000, in which case the monthly Account fee will be waived per the Account terms and conditions. Employees of Scotiabank and individuals who are currently or were previously holders\/joint holders of a Scotiabank chequing account with the last 2 years are not eligible for this Offer. This Offer is non-transferable and cannot be combined with any other offers except as otherwise permitted. Maximum one Offer per client. All rates, fees, features and benefits are subject to change. Offer may be changed, cancelled, or extended at any time without notice.&nbsp;<\/p>\n\n\n\n<p class=\"has-small-font-size\"><br><sup>2<\/sup>For clients onboarded as part of the Scotiabank <em>StartRight<\/em><sup>\u00ae <\/sup>Program we do not charge a service fee for the transfer, however, foreign currency exchange rates apply. A transfer needs to be made from an eligible Scotiabank Chequing or Savings account. Subject to daily limits and additional terms and conditions as set out in the Scotiabank International Money Transfer Agreement found at <a href=\"https:\/\/www.scotiabank.com\/international-money-transfer\">https:\/\/www.scotiabank.com\/international-money-transfer<\/a>.<br><\/p>\n<\/details>\n\n\n<ol class=\"wp-block-footnotes\"><li id=\"41dc0b1f-2c53-4b06-93ce-061efacfc758\"> <a href=\"#41dc0b1f-2c53-4b06-93ce-061efacfc758-link\" aria-label=\"Jump to footnote reference 1\">\u21a9\ufe0e<\/a><\/li><li id=\"7aad7009-060b-42f7-a866-02415028d157\"> <a href=\"#7aad7009-060b-42f7-a866-02415028d157-link\" aria-label=\"Jump to footnote reference 2\">\u21a9\ufe0e<\/a><\/li><\/ol>","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":254432,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"[{\"id\":\"41dc0b1f-2c53-4b06-93ce-061efacfc758\",\"content\":\"\"},{\"id\":\"7aad7009-060b-42f7-a866-02415028d157\",\"content\":\"\"}]"},"categories":[313],"tags":[557],"class_list":["post-253869","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-building-credit","tag-international-credit-history"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>International Credit History: A Newcomer&#039;s Guide -<\/title>\n<meta name=\"description\" content=\"New to Canada? Learn how to use your international credit history with Nova Credit and Scotiabank to build Canadian credit faster.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/prepareforcanada.com\/blog\/managing-money\/building-credit\/international-credit-history-canada\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Use Your International Credit History in Canada\" \/>\n<meta property=\"og:description\" content=\"New to Canada? 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With a background in human resources and leadership development, her articles focus on how newcomers can continue their careers in Canada. Her writing combines research, practical guidance, and clear language to support newcomers on their journey.","url":"https:\/\/prepareforcanada.com\/blog\/author\/cfrattinidestcan-com"},{"@type":"Question","@id":"https:\/\/prepareforcanada.com\/blog\/managing-money\/building-credit\/international-credit-history-canada#faq-question-1761666772044","position":1,"url":"https:\/\/prepareforcanada.com\/blog\/managing-money\/building-credit\/international-credit-history-canada#faq-question-1761666772044","name":"Can I use my credit history from my home country in Canada?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"<br\/>Yes. Nova Credit allows newcomers from select countries to share their international credit history with Canadian banks. This helps banks evaluate your credit profile when you apply for credit products. <br\/> <br\/>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/prepareforcanada.com\/blog\/managing-money\/building-credit\/international-credit-history-canada#faq-question-1761666777599","position":2,"url":"https:\/\/prepareforcanada.com\/blog\/managing-money\/building-credit\/international-credit-history-canada#faq-question-1761666777599","name":"Do all banks in Canada accept international credit history?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"While some Canadian banks can review international credit history through in-branch applications, Scotiabank is the first to integrate Nova Credit into its <strong>digital onboarding process<\/strong>. This means permanent residents and foreign workers can use their international credit history online, making it faster and more convenient to apply for a higher limit as part of their credit card application with Scotiabank. <br\/><br\/>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/prepareforcanada.com\/blog\/managing-money\/building-credit\/international-credit-history-canada#faq-question-1761666926560","position":3,"url":"https:\/\/prepareforcanada.com\/blog\/managing-money\/building-credit\/international-credit-history-canada#faq-question-1761666926560","name":"Does using my international credit history replace my Canadian credit score?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. Your international credit history can help you qualify for a higher credit limit, but you still need to <a href=\"https:\/\/prepareforcanada.com\/managing-money\/building-credit\/building-a-canadian-credit-history\">build a Canadian credit score<\/a> over time. Read more about <a href=\"https:\/\/prepareforcanada.com\/managing-money\/building-credit\/how-to-apply-for-a-credit-card-in-canada\">how to get a credit card in Canada and avoid common mistakes<\/a>.<br\/><br\/>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/prepareforcanada.com\/blog\/managing-money\/building-credit\/international-credit-history-canada#faq-question-1761666990715","position":4,"url":"https:\/\/prepareforcanada.com\/blog\/managing-money\/building-credit\/international-credit-history-canada#faq-question-1761666990715","name":"Is there a fee to use Nova Credit with Scotiabank?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. It\u2019s included as part of Scotiabank\u2019s newcomer digital onboarding and credit card experience.<br\/><br\/>","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/prepareforcanada.com\/blog\/wp-json\/wp\/v2\/posts\/253869","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prepareforcanada.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prepareforcanada.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prepareforcanada.com\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/prepareforcanada.com\/blog\/wp-json\/wp\/v2\/comments?post=253869"}],"version-history":[{"count":0,"href":"https:\/\/prepareforcanada.com\/blog\/wp-json\/wp\/v2\/posts\/253869\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/prepareforcanada.com\/blog\/wp-json\/wp\/v2\/media\/254432"}],"wp:attachment":[{"href":"https:\/\/prepareforcanada.com\/blog\/wp-json\/wp\/v2\/media?parent=253869"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prepareforcanada.com\/blog\/wp-json\/wp\/v2\/categories?post=253869"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prepareforcanada.com\/blog\/wp-json\/wp\/v2\/tags?post=253869"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}