bank asking for Canadian credit check

you might be able to get it free here: https://www.annualcreditreport.com/index.action

I had one done recently for a mortgage application. You need your tax ID and address details. Can be purchased for 20-30 CA$ online and it will be emailed to you. While there is more than 1 reporting agency, the bank was happy with one from me. I went with Equifax if I remember correctly.

Just to echo above - PTSB didn't request any info on my time in Canada.

When did you live there and how long for? It may not be relevant at all.

I got the "Equifax Credit Report" for 15.50 CADs a month ago, and AIB seemed happy with it. Even though the report is almost completely empty - it really just shows I paid my phone bill.

If you can I reckon you should probably get the "Equifax Credit Score", Myself I could not because I did not have a credit card, or any loans while I lived in Canada.

Items which have been charged off or sent to collections in your credit report are likely to be weighed against you, yes, since (if legitimate) they indicate a history of not paying as agreed, which makes you a higher risk. It would be best to get those taken care of if possible, assuming they are in fact fraudulent or incorrect. How much it will affect your chances of getting a mortgage (or the terms you may qualify for if you can), I couldn't tell you; you'd have to wait for the bank to come back to you on that and see what they say. It will likely depend a lot on their age and the amounts involved; if they're recent and/or large, that's usually a bigger issue than if they were small and/or quite old; however, the fact that you have no "good" history of handling loans and paying them on time to offset those black marks and demonstrate that you've since improved your financial responsibility isn't ideal either.

If you can't get something with your current bank, as other posters have said, you may want to try your luck with a different lender; some may not ask to see your foreign credit reports, especially if you've been here long enough that you can show a solid history of regular savings and steady long-term employment and such.

You should also look closer at your Canadian credit report; if you truly don't recognise those items in collection at all (as opposed to them being from some legitimate account or service you signed up for at some point that you thought you'd cancelled or something), it's possible you've been a victim of identity theft, and if that's the case, you'll want to take steps to protect yourself from further fraudulent activity. Here's some advice from the RCMP on dealing with suspected identity theft.