{"id":7079,"date":"2019-04-10T16:50:31","date_gmt":"2019-04-10T20:50:31","guid":{"rendered":"https:\/\/immigrantquebec.com\/?p=7079"},"modified":"2022-03-08T14:22:58","modified_gmt":"2022-03-08T18:22:58","slug":"historique-ou-cote-de-credit-une-specificite-d-ici","status":"publish","type":"post","link":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/historique-ou-cote-de-credit-une-specificite-d-ici\/","title":{"rendered":"L\u2019historique ou la cote de cr\u00e9dit : une sp\u00e9cificit\u00e9 d&rsquo;ici"},"content":{"rendered":"<p><em>En Am\u00e9rique du Nord, les pr\u00eats des \u00e9tablissements financiers se font classiquement en fonction de vos revenus, mais aussi de votre capacit\u00e9 \u00e0 rembourser les sommes que vous empruntez. Or, cette capacit\u00e9 est mesur\u00e9e gr\u00e2ce \u00e0 votre historique de cr\u00e9dit, auquel nous allons vous initier ici pas \u00e0 pas.<\/em><\/p>\n<h2><strong>Bien comprendre votre cote de cr\u00e9dit<\/strong><\/h2>\n<p>C\u2019est votre \u00e9tat de sant\u00e9 financi\u00e8re, le s\u00e9same qui vous ouvre les portes des pr\u00eats. Il renseigne sur votre capacit\u00e9 \u00e0 respecter vos engagements financiers. \u00c0 partir du moment o\u00f9 vous devez faire un pr\u00eat ou m\u00eame payer un loyer, ou dans n\u2019importe quelle situation o\u00f9 vous devez financer un bien, vous devez d\u00e9montrer que vous \u00eates capable d\u2019honorer les paiements. C\u2019est \u00e0 \u00e7a que sert votre historique de cr\u00e9dit qui informe de l\u2019\u00e9tat de vos dettes et de vos paiements hypoth\u00e9caires. C\u2019est un peu comme une note qui permet \u00e0 votre interlocuteur de s\u2019assurer de votre solvabilit\u00e9. Seulement voil\u00e0, en tant que nouvel arrivant, vous n\u2019avez pas encore pass\u00e9 assez de temps et r\u00e9alis\u00e9 suffisamment d\u2019op\u00e9rations p\u00e9cuniaires pour prouver que vous \u00eates un bon payeur. Il vous faut donc constituer un dossier de cr\u00e9dit le plus rapidement possible.<\/p>\n<h2><strong>Constituez votre dossier de cr\u00e9dit<\/strong><\/h2>\n<p>Pour d\u00e9buter, il vous faut une carte de cr\u00e9dit en plus de la carte de d\u00e9bit propos\u00e9e par l\u2019\u00e9tablissement dans lequel vous avez vos comptes. Ne partez pas en courant, la carte de cr\u00e9dit n\u2019est pas destin\u00e9e \u00e0 vous endetter, c\u2019est m\u00eame l\u2019inverse puisqu\u2019elle vous permet de suivre toutes vos d\u00e9penses en un coup d\u2019\u0153il. Pour simplifier, on peut dire que la <em>carte de d\u00e9bit<\/em> correspond \u00e0 la carte \u00e0 d\u00e9bit imm\u00e9diat utilis\u00e9e outre-Atlantique, et la <em>carte de cr\u00e9dit<\/em> \u00e0 celle \u00e0 d\u00e9bit diff\u00e9r\u00e9. En payant avec cette derni\u00e8re, c\u2019est comme si vous empruntiez de l\u2019argent que vous devez rembourser tous les mois, \u00e0 la date d\u2019\u00e9ch\u00e9ance. Chaque facture que vous acquittez le plus rapidement possible, que ce soit la t\u00e9l\u00e9phonie mobile, le fournisseur d\u2019acc\u00e8s Internet, votre PV de stationnement ou Hydro-Qu\u00e9bec, vous fait gagner des galons confirmant que vous avez les capacit\u00e9s \u00e0 faire face \u00e0 vos obligations financi\u00e8res. Les institutions concern\u00e9es envoient le d\u00e9tail de votre fa\u00e7on de payer aux agences d\u2019\u00e9valuation du cr\u00e9dit. C\u2019est ainsi que petit \u00e0 petit, vous allez avoir un historique de cr\u00e9dit qui vous suivra durant toute votre vie nord-am\u00e9ricaine.<\/p>\n<h2><strong>Les astuces pour avoir une belle cote de cr\u00e9dit<\/strong><\/h2>\n<p>Dans la pr\u00e9cipitation \u00e0 vous fabriquer un pass\u00e9 de bon payeur, vous allez peut-\u00eatre c\u00e9der \u00e0 la tentation d\u2019avoir plusieurs cartes de cr\u00e9dit. C\u2019est totalement inutile, ne multipliez pas les risques d\u2019oubli et contribuez ainsi \u00e0 cr\u00e9er l\u2019effet inverse. Suivez les dates limites de paiement et adh\u00e9rez au pr\u00e9l\u00e8vement automatique. Bien qu\u2019il soit conseill\u00e9 de payer la totalit\u00e9 de la somme \u00e0 la date limite requise, vous pouvez aussi vous acquitter de la part minimale si vous n\u2019\u00eates pas en mesure de le faire. Ne d\u00e9passez pas le plafond et demandez \u00e0 ce qu\u2019il soit temporairement augment\u00e9 si vous avez des besoins ponctuels. Attention toutefois de ne pas demander plusieurs fois durant une m\u00eame ann\u00e9e qu\u2019on augmente votre limite de cr\u00e9dit. Enfin, de mani\u00e8re g\u00e9n\u00e9rale \u00e9vitez d\u2019aller au-del\u00e0 de 75 % de la somme autoris\u00e9e. Payez vos factures en temps et en heure, quelles qu\u2019elles soient. Un seul ch\u00e8que sans provision ternit un dossier de cr\u00e9dit. En conservant ces bonnes habitudes, vous aurez une belle cote de cr\u00e9dit.<\/p>\n<h2><strong>Consultez votre cote de cr\u00e9dit<\/strong><\/h2>\n<p>Si par malheur vous ne pouvez honorer vos paiements, ne faites pas l\u2019autruche. La soci\u00e9t\u00e9 qu\u00e9b\u00e9coise est bas\u00e9e sur une confiance r\u00e9ciproque. Prenez les devants en proposant une entente \u00e0 l\u2019amiable. Il vaut toujours mieux payer de petites sommes que rien du tout. Enfin, consultez votre cote de cr\u00e9dit au moins une fois par an afin de la conna\u00eetre ou de v\u00e9rifier que vous n\u2019\u00eates pas victime de fraude. Equifax et TransUnion sont les principales agences qui r\u00e9coltent toutes les informations financi\u00e8res vous concernant et les divulguent avec votre autorisation aux organismes qui en font la demande. C\u2019est le cas lors d\u2019un pr\u00eat hypoth\u00e9caire par exemple. Lorsque vous signez une demande de pr\u00eat ou de carte de cr\u00e9dit, vous autorisez l\u2019institution \u00e0 v\u00e9rifier votre \u00ab\u2009note\u2009\u00bb financi\u00e8re. Pour conclure, suivez le conseil d\u2019Aminata Fall chez Desjardins : \u00ab\u2009Prenez les bonnes habitudes d\u00e8s le d\u00e9part en vous rapprochant des experts qui ont l\u2019habitude des nouveaux arrivants\u2009\u00bb.<\/p>\n<p align=\"center\">***<\/p>\n<p><em>Nouvel arrivant au Qu\u00e9bec\u2009? Prenez contact avec les conseillers pour cr\u00e9er votre historique de cr\u00e9dit. Vous pouvez pr\u00e9parer votre rendez-vous en vous informant directement sur\u00a0<\/em><a href=\"https:\/\/www.desjardins.com\/particuliers\/vous-etes\/nouveaux-arrivants-canada\/index.jsp\" target=\"_blank\" rel=\"noopener noreferrer\"><em>le site Desjardins<\/em><\/a><em>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>En Am\u00e9rique du Nord, les pr\u00eats des \u00e9tablissements financiers se font classiquement en fonction de vos revenus, mais aussi de votre capacit\u00e9 \u00e0 rembourser les sommes que vous empruntez. Or, cette capacit\u00e9 est mesur\u00e9e gr\u00e2ce \u00e0 votre historique de cr\u00e9dit, auquel nous allons vous initier ici pas \u00e0 pas. Bien comprendre votre cote de cr\u00e9dit [&hellip;]<\/p>\n","protected":false},"author":3459,"featured_media":7080,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[103],"tags":[],"class_list":{"0":"post-7079","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-conseils-d-experts","8":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>L\u2019historique ou la cote de cr\u00e9dit : une sp\u00e9cificit\u00e9 d&#039;ici - Immigrant Qu\u00e9bec<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/historique-ou-cote-de-credit-une-specificite-d-ici\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019historique ou la cote de cr\u00e9dit : une sp\u00e9cificit\u00e9 d&#039;ici - Immigrant Qu\u00e9bec\" \/>\n<meta property=\"og:description\" content=\"En Am\u00e9rique du Nord, les pr\u00eats des \u00e9tablissements financiers se font classiquement en fonction de vos revenus, mais aussi de votre capacit\u00e9 \u00e0 rembourser les sommes que vous empruntez. 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