TransUnion<\/a>.<\/p>\nLes agences de renseignements sur le consommateur obtiennent de l’information des entreprises avec qui vous avez fait des affaires et en cherchant dans des documents publics, comme les archives judiciaires, les actes de mariage et les enregistrements fonciers.<\/p>\n
Elles doivent utiliser l’information la plus exacte qu’elles peuvent trouver sur votre situation. Par exemple, si votre compagnie d’\u00e9lectricit\u00e9 affirme que vous lui devez de l’argent, elle doit le prouver \u00e0 l’agence en lui remettant une copie de vos factures impay\u00e9es.<\/p>\n
Cote de cr\u00e9dit<\/h3>\n
Votre cote de cr\u00e9dit est une s\u00e9rie de trois chiffres. L’agence la d\u00e9termine \u00e0 partir d’une formule math\u00e9matique, d’apr\u00e8s les renseignements figurant dans votre rapport de solvabilit\u00e9. Vous gagnez des points lorsque vous utilisez le cr\u00e9dit de fa\u00e7on responsable, mais vous en perdez lorsque vous ne le g\u00e9rez pas bien. Votre cote sert de pr\u00e9diction sur votre disposition \u00e0 rembourser vos dettes.<\/p>\n
Votre cote peut varier entre 300 et 900\u00a0points.<\/p>\n","protected":false},"author":3,"featured_media":0,"template":"","class_list":["post-1176576","steps","type-steps","status-publish","hentry"],"yoast_head":"\n
Sachez ce qu'est un rapport de solvabilit\u00e9 - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Un rapport de solvabilit\u00e9 est un document qui donne des renseignements d\u00e9taill\u00e9s sur votre cr\u00e9dit et sur vous. Il fait \u00e9tat de vos ant\u00e9c\u00e9dents de paiement\" \/>\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\/steps\/debt-and-consumer-rights\/sachez-ce-quest-un-rapport-de-solvabilite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sachez ce qu'est un rapport de solvabilit\u00e9 - Justice pas-\u00e0-pas\" \/>\n<meta property=\"og:description\" content=\"Un rapport de solvabilit\u00e9 est un document qui donne des renseignements d\u00e9taill\u00e9s sur votre cr\u00e9dit et sur vous. Il fait \u00e9tat de vos ant\u00e9c\u00e9dents de paiement\" \/>\n<meta property=\"og:url\" content=\"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/sachez-ce-quest-un-rapport-de-solvabilite\/\" \/>\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=\"2021-12-14T21:00:36+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=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/sachez-ce-quest-un-rapport-de-solvabilite\/\",\"url\":\"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/sachez-ce-quest-un-rapport-de-solvabilite\/\",\"name\":\"Sachez ce qu'est un rapport de solvabilit\u00e9 - Justice pas-\u00e0-pas\",\"isPartOf\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#website\"},\"datePublished\":\"2018-06-22T18:26:20+00:00\",\"dateModified\":\"2021-12-14T21:00:36+00:00\",\"description\":\"Un rapport de solvabilit\u00e9 est un document qui donne des renseignements d\u00e9taill\u00e9s sur votre cr\u00e9dit et sur vous. Il fait \u00e9tat de vos ant\u00e9c\u00e9dents de paiement\",\"breadcrumb\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/sachez-ce-quest-un-rapport-de-solvabilite\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/sachez-ce-quest-un-rapport-de-solvabilite\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/sachez-ce-quest-un-rapport-de-solvabilite\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/stepstojustice.ca\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Next steps\",\"item\":\"https:\/\/stepstojustice.ca\/fr\/steps\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Sachez ce qu’est un rapport de solvabilit\u00e9\"}]},{\"@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":"Sachez ce qu'est un rapport de solvabilit\u00e9 - Justice pas-\u00e0-pas","description":"Un rapport de solvabilit\u00e9 est un document qui donne des renseignements d\u00e9taill\u00e9s sur votre cr\u00e9dit et sur vous. Il fait \u00e9tat de vos ant\u00e9c\u00e9dents de paiement","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\/steps\/debt-and-consumer-rights\/sachez-ce-quest-un-rapport-de-solvabilite\/","og_locale":"fr_FR","og_type":"article","og_title":"Sachez ce qu'est un rapport de solvabilit\u00e9 - Justice pas-\u00e0-pas","og_description":"Un rapport de solvabilit\u00e9 est un document qui donne des renseignements d\u00e9taill\u00e9s sur votre cr\u00e9dit et sur vous. Il fait \u00e9tat de vos ant\u00e9c\u00e9dents de paiement","og_url":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/sachez-ce-quest-un-rapport-de-solvabilite\/","og_site_name":"Justice pas-\u00e0-pas","article_publisher":"https:\/\/www.facebook.com\/CLEOLegalRights\/","article_modified_time":"2021-12-14T21:00:36+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":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/sachez-ce-quest-un-rapport-de-solvabilite\/","url":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/sachez-ce-quest-un-rapport-de-solvabilite\/","name":"Sachez ce qu'est un rapport de solvabilit\u00e9 - Justice pas-\u00e0-pas","isPartOf":{"@id":"https:\/\/stepstojustice.ca\/fr\/#website"},"datePublished":"2018-06-22T18:26:20+00:00","dateModified":"2021-12-14T21:00:36+00:00","description":"Un rapport de solvabilit\u00e9 est un document qui donne des renseignements d\u00e9taill\u00e9s sur votre cr\u00e9dit et sur vous. Il fait \u00e9tat de vos ant\u00e9c\u00e9dents de paiement","breadcrumb":{"@id":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/sachez-ce-quest-un-rapport-de-solvabilite\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/sachez-ce-quest-un-rapport-de-solvabilite\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/sachez-ce-quest-un-rapport-de-solvabilite\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/stepstojustice.ca\/fr\/"},{"@type":"ListItem","position":2,"name":"Next steps","item":"https:\/\/stepstojustice.ca\/fr\/steps\/"},{"@type":"ListItem","position":3,"name":"Sachez ce qu’est un rapport de solvabilit\u00e9"}]},{"@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":{"questions_to_steps_from":["1171759"]},"_links":{"self":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/steps\/1176576","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/steps"}],"about":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/types\/steps"}],"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\/steps\/1176576\/revisions"}],"predecessor-version":[{"id":1228902,"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/steps\/1176576\/revisions\/1228902"}],"wp:attachment":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/media?parent=1176576"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}