[nedm]

My question involves collection proceedings in the State of: Colorado

I permanently live in Canada with no intention of living in the US again, I have a considerably amount of credit card debt which was accrued in Colorado. Can collections agencies pursue me in Canada for this debt? The SOL has not elapsed.

Thanks

[OhMy]

My question involves collection proceedings in the State of: Colorado

I permanently live in Canada with no intention of living in the US again, I have a considerably amount of credit card debt which was accrued in Colorado. Can collections agencies pursue me in Canada for this debt? The SOL has not elapsed.

Thanks

I will answer the part that I am familiar with.

The 3 credit bureaus in the USA are Transunion, Experian and Equifax. By moving to Canada they still track you just the same. The 3 bureaus are the ones that are used by most banks in Canada as well. Canadians and those who live in the UK have the same basic credit info available to lenders in those countries.

Such lenders as CAPITAL ONE will come after you in Canada or the UK for debts that you incur in the USA or in those countries. I am not saying that all US banks may do this but Capital One does.

[nedm]

I have actually spoken to transunion canada, and they told me that the only way my credit history can transfer from the US is if I show a creditor in Canada my US credit report. Otherwise they can't look it up.

It makes sense because the the credit agencies track your report by your social security number in the US and in Canada they track by social insurance number.

[OhMy]

I have actually spoken to transunion canada, and they told me that the only way my credit history can transfer from the US is if I show a creditor in Canada my US credit report. Otherwise they can't look it up.

It makes sense because the the credit agencies track your report by your social security number in the US and in Canada they track by social insurance number.

They do track you by postal records, drivers license and even passport records. Your social security number is not required to link you to another counrty. I deal with these types of records every day at work. And you do not need to be looked up, your records do move and follow with you.

I can track someone from the USA to Canada 8 differient ways. Many banks have access to much of the same info I do. Not all, but most.

If you know more then the banks do then why come on here and ask? Just because you may have an answer that is not what you want to hear, it is still accurate. In my line of work, I track people from the USA to other countries every day as I said, it is not very difficult.

[nedm]

Like you said, you answered the part of the question you were familiar with. I was ALSO interested in information regarding whether a collection agency could follow me and attempt to collect despite my having crossed national borders.

I wasn't necessarily disagreeing with you, merely providing the information I had already come by.

[nedm]

Anyone have an answer to that 2nd part? Whether a collection agency can legally pursue a debt from a credit card issued and used in the US, if I now live in Canada?