The urgency has little to do with acquiring the ability to borrow at attractive rates. It’s really about the ability to find housing. Canada’s rental shortage means competition among prospective tenants is fierce: Those without a credit history or a good score often don’t make the cut.
While it’s still possible to find rentals that don’t require a credit score – especially in older buildings – the requirement is increasingly common, said Valerie Bruce, director of Student Housing and Strategic Partnerships at Toronto Metropolitan University. But for graduate students, landlords generally want to see good credit scores even when there’s a guarantor ready to sign on, according to Mr. Bahl. I assume that also holds for young people who are just starting out in the job market after their undergraduate degree.
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