{"id":1171267,"date":"2020-04-02T16:56:31","date_gmt":"2020-04-02T20:56:31","guid":{"rendered":""},"modified":"2025-07-25T14:55:18","modified_gmt":"2025-07-25T18:55:18","slug":"je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote","status":"publish","type":"questions","link":"https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/","title":{"rendered":"Je ne peux pas payer mon loyer \u00e0 cause de la COVID-19. Cela affectera-t-il ma cote de cr\u00e9dit?"},"content":{"rendered":"<p>Dans la plupart des cas, ne pas payer votre hypoth\u00e8que ou votre loyer, ou le faire en retard, abaisserait votre cote de cr\u00e9dit.<\/p>\n<p>En Ontario, les principales agences d&#8217;\u00e9valuation du cr\u00e9dit sont <a class=\"links-link ext\" href=\"\/fr\/resource\/transunion-1-1-1-1-1-1\/\" target=\"_blank\" rel=\"noopener\">TransUnion<\/a> et <a class=\"links-link ext\" href=\"\/fr\/resource\/equifax-1-1-1-1-1-1-1\/\" target=\"_blank\" rel=\"noopener\">Equifax<\/a>. Ces agences recueillent des informations sur vos dettes et votre historique de paiement de factures. Votre propri\u00e9taire, votre banque, votre caisse populaire ou votre courtier en hypoth\u00e8ques peut \u00e0 chaque fois que vous manquez un paiement d&#8217;hypoth\u00e8que ou de loyer, le signaler \u00e0 TransUnion ou \u00e0 Equifax.<\/p>\n<p>Vous pouvez demander \u00e0 TransUnion ou Equifax de vous permettre d\u2019expliquer pourquoi vous n&#8217;avez pas effectu\u00e9 votre paiement d&#8217;hypoth\u00e8que ou de loyer \u00e0 temps et il doit inclure cette explication dans votre dossier de cr\u00e9dit.<\/p>\n<p>Lorsque de futurs pr\u00eateurs ou propri\u00e9taires vous poseront des questions sur votre historique de paiements, ils liront la raison de votre paiement manqu\u00e9.<\/p>\n<h3>TransUnion<\/h3>\n<p>Pour d\u00e9poser une <span class=\"no-glossary\">d\u00e9claration<\/span> dans votre dossier TransUnion, composez le 1 800 663-9980. Vous pouvez \u00e9galement le faire par courrier en suivant les instructions et en <a class=\"links-link ext\" href=\"\/fr\/resource\/contestations-de-cr-dit\/\" target=\"_blank\" rel=\"noopener\">t\u00e9l\u00e9chargeant le formulaire<\/a> sur leur site Web.<\/p>\n<h3>Equifax<\/h3>\n<p>Pour d\u00e9poser une <span class=\"no-glossary\">d\u00e9claration<\/span> dans votre dossier Equifax, remplissez le <a class=\"links-link ext\" href=\"\/fr\/resource\/formulaire-de-mise-jour-du-dossier-de-cr-dit-la-consommation-1\/\" target=\"_blank\" rel=\"noopener\">formulaire en ligne<\/a> et postez-le \u00e0 l&#8217;adresse de Montr\u00e9al qui est indiqu\u00e9e sur le formulaire. Assurez-vous de lire toutes les instructions au bas du formulaire.<\/p>\n<h3>Informations suppl\u00e9mentaires<\/h3>\n<p>Pour plus d&#8217;informations sur les probl\u00e8mes de cr\u00e9dit, consultez les rubriques sur les <a href=\"\/fr\/legal-topic\/debt-and-consumer-rights\/credit-reports-and-repair\">dossiers de cr\u00e9dit et r\u00e9parations<\/a>, les <a href=\"\/fr\/legal-topic\/debt-and-consumer-rights\/debt-and-money-problems\">probl\u00e8mes d\u2019argent et les dettes<\/a> de Justice pas-\u00e0-pas.<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"author":3,"featured_media":0,"template":"","legal-topic":[42143,42171,42148,42346,42349,42364,42367],"class_list":["post-1171267","questions","type-questions","status-publish","hentry","legal-topic-debt-and-consumer-rights","legal-topic-credit-reports-and-repair","legal-topic-housing-law","legal-topic-paying-rent","legal-topic-behind-or-unable-pay-rent","legal-topic-eviction","legal-topic-eviction-because-rent"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.9 (Yoast SEO v23.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Je ne peux pas payer mon loyer \u00e0 cause de la COVID-19. Cela affectera-t-il ma cote de cr\u00e9dit? - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Dans la plupart des cas, ne pas payer votre hypoth\u00e8que ou votre loyer, ou le faire en retard, abaisserait votre cote de cr\u00e9dit. En Ontario, les\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Je ne peux pas payer mon loyer \u00e0 cause de la COVID-19. Cela affectera-t-il ma cote de cr\u00e9dit? - Justice pas-\u00e0-pas\" \/>\n<meta property=\"og:description\" content=\"Dans la plupart des cas, ne pas payer votre hypoth\u00e8que ou votre loyer, ou le faire en retard, abaisserait votre cote de cr\u00e9dit. En Ontario, les\" \/>\n<meta property=\"og:url\" content=\"https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/\" \/>\n<meta property=\"og:site_name\" content=\"Justice pas-\u00e0-pas\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CLEOLegalRights\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-25T18:55:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/stepstojustice.ca\/wp-content\/uploads\/Steps-to-Justice-logo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"650\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@CLEOLegalRights\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/\",\"url\":\"https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/\",\"name\":\"Je ne peux pas payer mon loyer \u00e0 cause de la COVID-19. Cela affectera-t-il ma cote de cr\u00e9dit? - Justice pas-\u00e0-pas\",\"isPartOf\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#website\"},\"datePublished\":\"2020-04-02T20:56:31+00:00\",\"dateModified\":\"2025-07-25T18:55:18+00:00\",\"description\":\"Dans la plupart des cas, ne pas payer votre hypoth\u00e8que ou votre loyer, ou le faire en retard, abaisserait votre cote de cr\u00e9dit. En Ontario, les\",\"breadcrumb\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/stepstojustice.ca\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Questions\",\"item\":\"https:\/\/stepstojustice.ca\/fr\/questions\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Je ne peux pas payer mon loyer \u00e0 cause de la COVID-19. Cela affectera-t-il ma cote de cr\u00e9dit?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#website\",\"url\":\"https:\/\/stepstojustice.ca\/fr\/\",\"name\":\"Justice pas-\u00e0-pas\",\"description\":\"Step-by-step information about legal problems\",\"publisher\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/stepstojustice.ca\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#organization\",\"name\":\"Justice pas-\u00e0-pas\",\"url\":\"https:\/\/stepstojustice.ca\/fr\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/stepstojustice.ca\/wp-content\/uploads\/2020\/10\/logo-s2j.png\",\"contentUrl\":\"https:\/\/stepstojustice.ca\/wp-content\/uploads\/2020\/10\/logo-s2j.png\",\"width\":1000,\"height\":146,\"caption\":\"Justice pas-\u00e0-pas\"},\"image\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/CLEOLegalRights\/\",\"https:\/\/x.com\/CLEOLegalRights\",\"https:\/\/www.instagram.com\/communitylegaleducationon\/\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Je ne peux pas payer mon loyer \u00e0 cause de la COVID-19. Cela affectera-t-il ma cote de cr\u00e9dit? - Justice pas-\u00e0-pas","description":"Dans la plupart des cas, ne pas payer votre hypoth\u00e8que ou votre loyer, ou le faire en retard, abaisserait votre cote de cr\u00e9dit. En Ontario, les","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/","og_locale":"fr_FR","og_type":"article","og_title":"Je ne peux pas payer mon loyer \u00e0 cause de la COVID-19. Cela affectera-t-il ma cote de cr\u00e9dit? - Justice pas-\u00e0-pas","og_description":"Dans la plupart des cas, ne pas payer votre hypoth\u00e8que ou votre loyer, ou le faire en retard, abaisserait votre cote de cr\u00e9dit. En Ontario, les","og_url":"https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/","og_site_name":"Justice pas-\u00e0-pas","article_publisher":"https:\/\/www.facebook.com\/CLEOLegalRights\/","article_modified_time":"2025-07-25T18:55:18+00:00","og_image":[{"width":1200,"height":650,"url":"https:\/\/stepstojustice.ca\/wp-content\/uploads\/Steps-to-Justice-logo.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@CLEOLegalRights","twitter_misc":{"Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/","url":"https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/","name":"Je ne peux pas payer mon loyer \u00e0 cause de la COVID-19. Cela affectera-t-il ma cote de cr\u00e9dit? - Justice pas-\u00e0-pas","isPartOf":{"@id":"https:\/\/stepstojustice.ca\/fr\/#website"},"datePublished":"2020-04-02T20:56:31+00:00","dateModified":"2025-07-25T18:55:18+00:00","description":"Dans la plupart des cas, ne pas payer votre hypoth\u00e8que ou votre loyer, ou le faire en retard, abaisserait votre cote de cr\u00e9dit. En Ontario, les","breadcrumb":{"@id":"https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/stepstojustice.ca\/fr\/questions\/housing-law\/je-ne-peux-pas-payer-mon-loyer-a-cause-de-la-covid-19-cela-affectera-t-il-ma-cote\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/stepstojustice.ca\/fr\/"},{"@type":"ListItem","position":2,"name":"Questions","item":"https:\/\/stepstojustice.ca\/fr\/questions\/"},{"@type":"ListItem","position":3,"name":"Je ne peux pas payer mon loyer \u00e0 cause de la COVID-19. Cela affectera-t-il ma cote de cr\u00e9dit?"}]},{"@type":"WebSite","@id":"https:\/\/stepstojustice.ca\/fr\/#website","url":"https:\/\/stepstojustice.ca\/fr\/","name":"Justice pas-\u00e0-pas","description":"Step-by-step information about legal problems","publisher":{"@id":"https:\/\/stepstojustice.ca\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/stepstojustice.ca\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/stepstojustice.ca\/fr\/#organization","name":"Justice pas-\u00e0-pas","url":"https:\/\/stepstojustice.ca\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/stepstojustice.ca\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/stepstojustice.ca\/wp-content\/uploads\/2020\/10\/logo-s2j.png","contentUrl":"https:\/\/stepstojustice.ca\/wp-content\/uploads\/2020\/10\/logo-s2j.png","width":1000,"height":146,"caption":"Justice pas-\u00e0-pas"},"image":{"@id":"https:\/\/stepstojustice.ca\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/CLEOLegalRights\/","https:\/\/x.com\/CLEOLegalRights","https:\/\/www.instagram.com\/communitylegaleducationon\/"]}]}},"meta_box":{"date_fg19r358tw7":"2021-11-17","date_sgrhr9fx3j":"2021-03-31 00:00:00","text_qgvph2rt54":"","text_mb2unyqw82h":"","text_z4722ywvha":"","textarea_i237k2mg4u":"","date_mvzg7sr921":"","textarea_0ej69ng0xn48":"","file_1s3spou4tld":[],"text_0iky8vwgh18v":"adnana","date_e0vrot0tvds":"2020-04-02 16:56:31 -0400","text_y2tadrpr98":"Edited by marie.koona.","number_98lw0j89q05":"2374","post_0glwwksj820p":[],"questions_to_resources_to":[],"questions_to_guided_pathways_to":[],"questions_to_alerts_to":[],"questions_to_steps_to":[]},"_links":{"self":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/questions\/1171267","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/questions"}],"about":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/types\/questions"}],"author":[{"embeddable":true,"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/users\/3"}],"version-history":[{"count":15,"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/questions\/1171267\/revisions"}],"predecessor-version":[{"id":1272027,"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/questions\/1171267\/revisions\/1272027"}],"wp:attachment":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/media?parent=1171267"}],"wp:term":[{"taxonomy":"legal-topic","embeddable":true,"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/legal-topic?post=1171267"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}