{"id":1176583,"date":"2018-06-22T14:03:23","date_gmt":"2018-06-22T18:03:23","guid":{"rendered":""},"modified":"2018-09-20T16:42:37","modified_gmt":"2018-09-20T16:42:37","slug":"am\u00e9liorez-votre-cote-de-solvabilit\u00e9","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/am\u00e9liorez-votre-cote-de-solvabilit\u00e9\/","title":{"rendered":"4. Am\u00e9liorez votre cote de solvabilit\u00e9"},"content":{"rendered":"<p>Votre cote de solvabilit\u00e9 aide les pr\u00eateurs, vos \u00e9ventuels cr\u00e9anciers, \u00e0 d\u00e9terminer s&#8217;ils peuvent s&#8217;attendre \u00e0 ce que vous remboursiez vos dettes.<\/p>\n<p>Voici les facteurs qui entrent dans l&#8217;\u00e9tablissement de votre cote&nbsp;:<\/p>\n<ul>\n<li>Vos dettes totales;<\/li>\n<li>Si vous payez vos factures \u00e0 temps;<\/li>\n<li>Si vous vous contentez de payer le montant minimum sur vos factures;<\/li>\n<li>Si vous semblez avoir plus de cr\u00e9dit que ce que vous pouvez vous permettre;<\/li>\n<li>La nature de vos dettes.<\/li>\n<\/ul>\n<p>Pour am\u00e9liorer votre cote de cr\u00e9dit, vous pouvez&nbsp;:<\/p>\n<ul>\n<li>payer vos factures en entier \u00e0 temps;<\/li>\n<li>payer vos factures en souffrance;<\/li>\n<li>si vous ne pouvez pas payer vos factures en entier, garder un solde (comme votre solde de carte de cr\u00e9dit) inf\u00e9rieur \u00e0 60&nbsp;% de la limite de cr\u00e9dit. Par exemple, si la limite de votre carte de cr\u00e9dit est de 1&nbsp;000&nbsp;$, n&#8217;ayez jamais un solde de plus de 600&nbsp;$.<\/li>\n<\/ul>\n<p>Ne faites aucune nouvelle demande de cr\u00e9dit (par exemple, \u00e9vitez de demander une nouvelle carte de cr\u00e9dit ou un pr\u00eat pour acheter des meubles), sauf si vous en avez vraiment besoin. Cela dit, si vous avez une carte de cr\u00e9dit dont la limite est basse ou un contrat de t\u00e9l\u00e9phone cellulaire dont vous payez la facture mensuelle en entier et \u00e0 temps, cela peut contribuer \u00e0 votre r\u00e9putation 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":"","class_list":["post-1176583","steps","type-steps","status-publish","hentry"],"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>4. 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