I want to comment, as a returning Canadian. I'm just speaking as an individual now.
I was gone for 20 years, and when I came back my impeccable credit history from Lloyds Bank--which is now Lloyds Bank of Westminster, as opposed to plain old Lloyds Bank--and the UBS, in Switzerland, was not going to be considered by banks here. So I think certain immigrants to this country will need portable credit histories.
I didn't have a community to go to, and in fact I would rather eschew that kind of credit.