{"id":8210,"date":"2013-07-31T15:39:19","date_gmt":"2013-07-31T19:39:19","guid":{"rendered":"https:\/\/immigrantquebec.com\/?p=8210"},"modified":"2022-01-14T15:40:21","modified_gmt":"2022-01-14T19:40:21","slug":"cote-de-credit","status":"publish","type":"post","link":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/cote-de-credit\/","title":{"rendered":"Avoir une bonne cote de cr\u00e9dit, c\u2019est payant!"},"content":{"rendered":"<p>On s\u2019en soucie peu et pourtant. Saviez-vous que les institutions financi\u00e8res <strong>consultent votre dossier de cr\u00e9dit<\/strong> non seulement pour \u00e9valuer votre solvabilit\u00e9, mais aussi pour \u00e9tablir le taux d\u2019int\u00e9r\u00eat que vous devrez payer sur un pr\u00eat personnel, un pr\u00eat hypoth\u00e9caire ou autre? Bref, <strong>un excellent dossier de cr\u00e9dit a un impact r\u00e9el sur la sant\u00e9 financi\u00e8re<\/strong> d\u2019un individu. Honn\u00eatement, je ne le savais pas avant de consulter le dossier \u00ab <a href=\"http:\/\/www.option-consommateurs.org\/documents\/principal\/fr\/File\/oc_guide_dossier_credit_20110126.pdf\" target=\"_blank\" rel=\"noopener\">Lumi\u00e8re sur le dossier de cr\u00e9dit<\/a> \u00bb d\u2019Option consommateurs.<\/p>\n<h2>Comment \u00e7a marche?<\/h2>\n<p>Le dossier de cr\u00e9dit dresse l&rsquo;inventaire de vos cr\u00e9ances (hypoth\u00e8que, marges de cr\u00e9dit, cartes de cr\u00e9dit, pr\u00eats, etc.) et des cotes de cr\u00e9dit qui y sont associ\u00e9es. Les cotes, qui s&rsquo;\u00e9chelonnent de 1 \u00e0 9, t\u00e9moignent de votre comportement de payeur (R1 = vous payez toujours \u00e0 temps, R4 = vous payez entre 90 et 120 jours et R9 = mauvaise cr\u00e9ance, recouvrement ou faillite).<\/p>\n<h2>Qu\u2019est-ce que le pointage ou score de cr\u00e9dit?<\/h2>\n<p>Il s\u2019agit d\u2019un portrait de votre sant\u00e9 financi\u00e8re \u00e0 un moment pr\u00e9cis. Ce pointage, dont l\u2019\u00e9chelle varie entre 300 et 900 points, \u00e9tablit votre risque de d\u00e9faut de paiement. C\u2019est un condens\u00e9 de toutes vos cotes de cr\u00e9dit et de vos habitudes de paiement et de consommation. Un trop grand nombre de cartes de cr\u00e9dit ou une marge de cr\u00e9dit toujours pleine r\u00e9duit votre pointage. Pour l\u2019\u00e9tablir, les bureaux de cr\u00e9dit (\u00c9quifax\/TransUnion) consid\u00e8rent plusieurs facteurs\u00a0: vos habitudes de paiement, vos habitudes de recouvrement ou une faillite, vos dettes, le solde sur vos dettes, l\u2019historique de votre compte, le nombre de fois o\u00f9 l\u2019on a consult\u00e9 votre dossier de cr\u00e9dit et le type de cr\u00e9dit que vous utilisez.<\/p>\n<h2>Impact de votre cote de cr\u00e9dit sur votre taux d\u2019hypoth\u00e8que<\/h2>\n<p>Voyez par vous-m\u00eames. Un pointage \u00e9valu\u00e9 au-dessus de 750, c\u2019est tr\u00e8s bon et \u00e7a permet d\u2019obtenir un taux hypoth\u00e9caire int\u00e9ressant. Notez qu\u2019en dessous de 620 points, il est impossible d&rsquo;obtenir une hypoth\u00e8que.<\/p>\n<h2>Pour conserver un bon dossier de cr\u00e9dit<\/h2>\n<p>&#8211; <strong>Payez vos factures d\u2019\u00e9lectricit\u00e9 et de t\u00e9l\u00e9phone \u00e0 temps.<\/strong> M\u00eame si le paiement de ces factures ne fait pas partie de votre dossier de cr\u00e9dit, certaines entreprises de t\u00e9l\u00e9phonie cellulaire pourraient rapporter un retard de paiement aux bureaux de cr\u00e9dit.<\/p>\n<p>&#8211; <strong>R\u00e9glez vos factures \u00e0 temps et en entier<\/strong> ou effectuez \u00e0 tout le moins le paiement minimal requis.<\/p>\n<p>&#8211; <strong>\u00c9vitez de trop vous approcher de votre limite de cr\u00e9dit<\/strong>. Conservez votre solde utilis\u00e9 entre 50 et 75 % de la limite autoris\u00e9e.<\/p>\n<p>&#8211; <strong>\u00c9vitez de multiplier les demandes de carte de cr\u00e9dit ou de pr\u00eat<\/strong>. Faire plusieurs demandes r\u00e9duit votre cote de cr\u00e9dit, m\u00eame si toutes vos cartes sont \u00e0 z\u00e9ro.<\/p>\n<p>&#8211; <strong>Remboursez vos dettes le plus vite possible<\/strong>. En tant que consommateur averti, consultez votre dossier de cr\u00e9dit <strong>une fois par ann\u00e9e<\/strong> pour vous assurer qu\u2019il ne contient pas d\u2019information erron\u00e9e ou pour vous assurer que vous n\u2019avez pas \u00e9t\u00e9 victime de fraude. Vous devez adresser votre demande aux bureaux de cr\u00e9dit par \u00e9crit ou par Internet moyennant des frais.<\/p>\n<p>Equifax, <a href=\"http:\/\/www.equifax.ca\" target=\"_blank\" rel=\"noopener\">www.equifax.ca<\/a> TransUnion, <a href=\"http:\/\/www.transunion.ca\" target=\"_blank\" rel=\"noopener\">www.transunion.ca<\/a><\/p>\n<p><em>Marie-Claude Veillette<\/em><\/p>\n<p><em>Coordonnatrice de contenu LesPAC \/ Mediagrif<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>On s\u2019en soucie peu et pourtant. Saviez-vous que les institutions financi\u00e8res consultent votre dossier de cr\u00e9dit non seulement pour \u00e9valuer votre solvabilit\u00e9, mais aussi pour \u00e9tablir le taux d\u2019int\u00e9r\u00eat que vous devrez payer sur un pr\u00eat personnel, un pr\u00eat hypoth\u00e9caire ou autre? Bref, un excellent dossier de cr\u00e9dit a un impact r\u00e9el sur la sant\u00e9 [&hellip;]<\/p>\n","protected":false},"author":3459,"featured_media":8212,"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-8210","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 v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Avoir une bonne cote de cr\u00e9dit, c\u2019est payant! - 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\/cote-de-credit\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Avoir une bonne cote de cr\u00e9dit, c\u2019est payant! - Immigrant Qu\u00e9bec\" \/>\n<meta property=\"og:description\" content=\"On s\u2019en soucie peu et pourtant. 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