{"id":1171759,"date":"2018-06-22T14:19:42","date_gmt":"2018-06-22T18:19:42","guid":{"rendered":""},"modified":"2021-12-14T15:58:38","modified_gmt":"2021-12-14T20:58:38","slug":"demande-a-verifier-mes-antecedents-de-credit-quest-ce","status":"publish","type":"questions","link":"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/demande-a-verifier-mes-antecedents-de-credit-quest-ce\/","title":{"rendered":"On demande \u00e0 v\u00e9rifier mes ant\u00e9c\u00e9dents de cr\u00e9dit. Qu&#8217;est-ce que \u00e7a signifie?"},"content":{"rendered":"<p>Si une personne ou une entreprise demande \u00e0 v\u00e9rifier vos ant\u00e9c\u00e9dents de cr\u00e9dit, cela signifie qu&#8217;elle veut consulter votre rapport de solvabilit\u00e9.<\/p>\n<p>Souvent, la personne ou l&#8217;entreprise fait cette demande avant de d\u00e9cider si elle\u00a0:<\/p>\n<ul>\n<li>vous pr\u00eatera de l&#8217;argent, donc si elle vous accordera un cr\u00e9dit;<\/li>\n<li>vous accordera une carte de cr\u00e9dit;<\/li>\n<li>vous louera une maison ou un appartement;<\/li>\n<li>vous embauchera ou vous donnera une promotion;<\/li>\n<li>vous vendra une police d&#8217;assurance;<\/li>\n<li>fera d&#8217;autres types d&#8217;affaires avec vous.<\/li>\n<\/ul>\n<p>Votre rapport de solvabilit\u00e9 est un document qui d\u00e9taille vos ant\u00e9c\u00e9dents de paiement d&#8217;emprunts et de factures (carte de cr\u00e9dit, facture d&#8217;\u00e9lectricit\u00e9, loyer). Il est utilis\u00e9 pour calculer votre cote de cr\u00e9dit qui, elle, sert \u00e0 pr\u00e9voir votre capacit\u00e9 \u00e0 rembourser vos dettes et \u00e0 faire vos paiements \u00e0 temps.<\/p>\n<p>Ce sont les agences de renseignements sur le consommateur qui pr\u00e9parent ce rapport. Au Canada, les deux principales agences de renseignements sur le consommateur sont <a class=\"links-link ext new-link\" href=\"\/fr\/resource\/equifax-1-1-1-1-1-1-1\/\" target=\"_blank\" rel=\"noopener\">Equifax<\/a> et <a class=\"links-link ext new-link\" href=\"\/fr\/resource\/transunion-1-1-1-1-1-1\/\" target=\"_blank\" rel=\"noopener\">TransUnion<\/a>.<\/p>\n<p>Le rapport de solvabilit\u00e9 contient les renseignements sur votre cr\u00e9dit et vos renseignements personnels obtenus par l&#8217;agence. Par exemple, l&#8217;agence cherchera \u00e0 savoir si vous remboursez vos dettes et quand vous le faites. Elle utilise aussi de l&#8217;information de source publique, comme les archives judiciaires.<\/p>\n<p>Votre rapport de solvabilit\u00e9 contient de l&#8217;information sur vos cartes de cr\u00e9dit et vos pr\u00eats, notamment\u00a0:<\/p>\n<ul>\n<li>la date d&#8217;ouverture de votre compte;<\/li>\n<li>le total de vos dettes;<\/li>\n<li>si vous faites vos paiements \u00e0 temps;<\/li>\n<li>si vous sautez des versements;<\/li>\n<li>si vous d\u00e9passez votre limite de cr\u00e9dit;<\/li>\n<li>votre plafond d&#8217;endettement (par exemple, la limite de votre carte de cr\u00e9dit pourrait \u00eatre de 1\u00a0000\u00a0$).<\/li>\n<\/ul>\n<p>Vous pouvez <a href=\"\/fr\/questions\/debt-and-consumer-rights\/il-y-une-erreur-dans-mon-rapport-de-solvabilit\u00e9-que\/\">v\u00e9rifier et faire corriger l&#8217;information<\/a> figurant dans votre rapport. Equifax et TransUnion doivent vous remettre gratuitement une copie de ce rapport chaque ann\u00e9e si vous en faites la demande. Il est recommand\u00e9 de le v\u00e9rifier r\u00e9guli\u00e8rement.<\/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],"class_list":["post-1171759","questions","type-questions","status-publish","hentry","legal-topic-debt-and-consumer-rights","legal-topic-credit-reports-and-repair"],"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>On demande \u00e0 v\u00e9rifier mes ant\u00e9c\u00e9dents de cr\u00e9dit. 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