{"id":1171761,"date":"2018-06-22T13:53:49","date_gmt":"2018-06-22T17:53:49","guid":{"rendered":""},"modified":"2021-12-20T15:09:31","modified_gmt":"2021-12-20T20:09:31","slug":"ma-cote-de-credit-est-mauvaise-comment-puis-je","status":"publish","type":"questions","link":"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/","title":{"rendered":"Ma cote de cr\u00e9dit est mauvaise. Comment puis-je l&#8217;am\u00e9liorer?"},"content":{"rendered":"<p>Les agences de renseignements sur le consommateur calculent votre cote de cr\u00e9dit \u00e0 partir des renseignements personnels et financiers qui figurent dans votre rapport de solvabilit\u00e9.<\/p>\n<p>Vous gagnez des points lorsque vous utilisez le cr\u00e9dit de fa\u00e7on responsable ou que vous remboursez vos dettes \u00e0 temps, mais vous en perdez lorsque vous faites le contraire.<\/p>\n<p>Votre cote de cr\u00e9dit, ou cote de solvabilit\u00e9, sert \u00e0 indiquer si vous avez l&#8217;habitude de payer vos factures \u00e0 temps et de rembourser vos dettes.<\/p>\n<p>Votre cote peut varier entre 300 et 900\u00a0points. G\u00e9n\u00e9ralement, une cote de 700\u00a0points ou plus est jug\u00e9e tr\u00e8s bonne ou excellente.<\/p>\n<h3>Am\u00e9lioration de la cote<\/h3>\n<p>Les pr\u00eateurs, les propri\u00e9taires et les entreprises avec qui vous voulez faire des affaires <a href=\"\/fr\/questions\/debt-and-consumer-rights\/demande-a-verifier-mes-antecedents-de-credit-quest-ce\/\">pourraient vouloir consulter<\/a> votre rapport de solvabilit\u00e9, votre cote de cr\u00e9dit et vos renseignements personnels pour savoir si vous repr\u00e9sentez un bon risque de cr\u00e9dit et s&#8217;ils peuvent s&#8217;attendre \u00e0 ce que vous payiez vos factures ou votre loyer \u00e0 temps. Certaines entreprises peuvent refuser de faire des affaires avec vous si elles estiment que votre cote de cr\u00e9dit est trop basse.<\/p>\n<p>Si vous voulez am\u00e9liorer votre cote, commencez par obtenir une copie de votre rapport de solvabilit\u00e9, et v\u00e9rifiez si l&#8217;information qu&#8217;il contient est exacte. Vous pouvez <a href=\"\/fr\/questions\/debt-and-consumer-rights\/il-y-une-erreur-dans-mon-rapport-de-solvabilit\u00e9-que\/\">faire corriger l&#8217;information erron\u00e9e<\/a>, ce qui entra\u00eenera peut-\u00eatre le rel\u00e8vement de votre cote.<\/p>\n<p>Si l&#8217;information de votre rapport est exacte, vous pouvez am\u00e9liorer votre cote en payant vos factures \u00e0 temps et en n&#8217;utilisant pas plus de 50 \u00e0 60\u00a0% de votre limite de cr\u00e9dit. Il est aussi tr\u00e8s important de rembourser la totalit\u00e9 de vos factures impay\u00e9es. Toute facture p\u00e9riodique (\u00e9lectricit\u00e9, loyer, pr\u00eat automobile) pay\u00e9e int\u00e9gralement chaque mois am\u00e9liorera votre cote de solvabilit\u00e9.<\/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-1171761","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>Ma cote de cr\u00e9dit est mauvaise. Comment puis-je l&#039;am\u00e9liorer? - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Les agences de renseignements sur le consommateur calculent votre cote de cr\u00e9dit \u00e0 partir des renseignements personnels et financiers qui figurent dans\" \/>\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\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ma cote de cr\u00e9dit est mauvaise. Comment puis-je l&#039;am\u00e9liorer? - Justice pas-\u00e0-pas\" \/>\n<meta property=\"og:description\" content=\"Les agences de renseignements sur le consommateur calculent votre cote de cr\u00e9dit \u00e0 partir des renseignements personnels et financiers qui figurent dans\" \/>\n<meta property=\"og:url\" content=\"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/\" \/>\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=\"2021-12-20T20:09:31+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\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/\",\"url\":\"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/\",\"name\":\"Ma cote de cr\u00e9dit est mauvaise. Comment puis-je l'am\u00e9liorer? - Justice pas-\u00e0-pas\",\"isPartOf\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#website\"},\"datePublished\":\"2018-06-22T17:53:49+00:00\",\"dateModified\":\"2021-12-20T20:09:31+00:00\",\"description\":\"Les agences de renseignements sur le consommateur calculent votre cote de cr\u00e9dit \u00e0 partir des renseignements personnels et financiers qui figurent dans\",\"breadcrumb\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/#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\":\"Ma cote de cr\u00e9dit est mauvaise. Comment puis-je l&#8217;am\u00e9liorer?\"}]},{\"@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":"Ma cote de cr\u00e9dit est mauvaise. Comment puis-je l'am\u00e9liorer? - Justice pas-\u00e0-pas","description":"Les agences de renseignements sur le consommateur calculent votre cote de cr\u00e9dit \u00e0 partir des renseignements personnels et financiers qui figurent dans","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\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/","og_locale":"fr_FR","og_type":"article","og_title":"Ma cote de cr\u00e9dit est mauvaise. Comment puis-je l'am\u00e9liorer? - Justice pas-\u00e0-pas","og_description":"Les agences de renseignements sur le consommateur calculent votre cote de cr\u00e9dit \u00e0 partir des renseignements personnels et financiers qui figurent dans","og_url":"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/","og_site_name":"Justice pas-\u00e0-pas","article_publisher":"https:\/\/www.facebook.com\/CLEOLegalRights\/","article_modified_time":"2021-12-20T20:09:31+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\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/","url":"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/","name":"Ma cote de cr\u00e9dit est mauvaise. Comment puis-je l'am\u00e9liorer? - Justice pas-\u00e0-pas","isPartOf":{"@id":"https:\/\/stepstojustice.ca\/fr\/#website"},"datePublished":"2018-06-22T17:53:49+00:00","dateModified":"2021-12-20T20:09:31+00:00","description":"Les agences de renseignements sur le consommateur calculent votre cote de cr\u00e9dit \u00e0 partir des renseignements personnels et financiers qui figurent dans","breadcrumb":{"@id":"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/ma-cote-de-credit-est-mauvaise-comment-puis-je\/#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":"Ma cote de cr\u00e9dit est mauvaise. Comment puis-je l&#8217;am\u00e9liorer?"}]},{"@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":"2017-03-23 00:00:00","date_sgrhr9fx3j":"2018-03-23 00:00:00","text_qgvph2rt54":"","text_mb2unyqw82h":"","text_z4722ywvha":"","textarea_i237k2mg4u":"","date_mvzg7sr921":"","textarea_0ej69ng0xn48":"","file_1s3spou4tld":[{"icon":"<img width=\"48\" height=\"64\" src=\"https:\/\/stepstojustice.ca\/wp-includes\/images\/media\/document.png\" alt=\"\">","name":"2%20I%20have%20a%20low%20credit%20score.%20How%20can%20I%20improve%20it%20template_FR.docx","path":"\/home\/stepstojustice\/public_html\/system\/files\/2%20I%20have%20a%20low%20credit%20score.%20How%20can%20I%20improve%20it%20template_FR.docx","url":"https:\/\/stepstojustice.ca\/system\/files\/2%20I%20have%20a%20low%20credit%20score.%20How%20can%20I%20improve%20it%20template_FR.docx","title":"2%20I%20have%20a%20low%20credit%20score.%20How%20can%20I%20improve%20it%20template_FR","edit_link":""}],"text_0iky8vwgh18v":"marianne.stephens","date_e0vrot0tvds":"2018-06-22 13:53:49 -0400","text_y2tadrpr98":"added primary topic field","number_98lw0j89q05":"1910","post_0glwwksj820p":[1171759,1171758,1171760],"questions_to_resources_to":["1186980","1186136","1181518","1181585"],"questions_to_guided_pathways_to":[],"questions_to_alerts_to":[],"questions_to_steps_to":["1176597","1176598","1176584","1176583","1176569"]},"_links":{"self":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/questions\/1171761","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":2,"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/questions\/1171761\/revisions"}],"predecessor-version":[{"id":1229317,"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/questions\/1171761\/revisions\/1229317"}],"wp:attachment":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/media?parent=1171761"}],"wp:term":[{"taxonomy":"legal-topic","embeddable":true,"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/legal-topic?post=1171761"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}