{"id":1176597,"date":"2018-06-22T13:56:31","date_gmt":"2018-06-22T17:56:31","guid":{"rendered":""},"modified":"2021-12-14T16:19:36","modified_gmt":"2021-12-14T21:19:36","slug":"verifiez-votre-rapport-de-solvabilite","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/verifiez-votre-rapport-de-solvabilite\/","title":{"rendered":"1. V\u00e9rifiez votre rapport de solvabilit\u00e9"},"content":{"rendered":"<p>Les deux principales agences de renseignements sur le consommateur au Canada 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>. Ces agences pr\u00e9parent les rapports de solvabilit\u00e9.<\/p>\n<p>Les agences de renseignements sur le consommateur doivent, \u00e0 votre demande, vous faire parvenir gratuitement par la poste une copie de votre rapport de solvabilit\u00e9. Vous avez droit \u00e0 une copie gratuite par ann\u00e9e. Vous pouvez aussi demander votre rapport en ligne, mais il peut y avoir des frais. C&#8217;est la m\u00eame chose pour votre cote de cr\u00e9dit\u00a0: il faut payer des frais pour l&#8217;obtenir.<\/p>\n<p>L&#8217;information que l&#8217;agence inscrit dans votre rapport doit \u00eatre facile \u00e0 comprendre.<\/p>\n<p>Il est recommand\u00e9 de communiquer avec les deux agences, car leurs dossiers pourraient contenir des renseignements diff\u00e9rents sur votre situation.<\/p>\n<p>V\u00e9rifiez l&#8217;information contenue dans le rapport. Si vous croyez qu&#8217;il <a href=\"\/fr\/questions\/debt-and-consumer-rights\/il-y-une-erreur-dans-mon-rapport-de-solvabilit\u00e9-que\/\">contient une erreur<\/a>, informez-en l&#8217;agence et votre cr\u00e9ancier. Par exemple, si votre rapport de solvabilit\u00e9 indique que vous n&#8217;avez pas pay\u00e9 votre pr\u00eat automobile r\u00e9guli\u00e8rement, mais que vous savez que ce n&#8217;est pas vrai, vous devez en informer et le cr\u00e9ancier, et l&#8217;agence de renseignements sur le consommateur.<\/p>\n<h3>Information figurant dans le rapport<\/h3>\n<p>Les agences de renseignements sur le consommateur doivent utiliser l&#8217;information la plus exacte qu&#8217;elles peuvent trouver sur votre situation. Par exemple, si votre compagnie d&#8217;\u00e9lectricit\u00e9 affirme que vous lui devez de l&#8217;argent, elle doit le prouver \u00e0 l&#8217;agence en lui remettant une copie de vos factures impay\u00e9es.<\/p>\n<p>La loi ontarienne dit <a href=\"\/fr\/questions\/debt-and-consumer-rights\/demande-a-verifier-mes-antecedents-de-credit-quest-ce\/\">ce qui peut ou non figurer dans un rapport de solvabilit\u00e9<\/a>. Ce qui peut y figurer\u00a0: les renseignements sur votre cr\u00e9dit et vos renseignements personnels.<\/p>\n<p>Si vous d\u00e9posez une proposition de consommateur, elle figurera dans votre rapport de solvabilit\u00e9 pendant trois ans apr\u00e8s le remboursement de la dette. Une premi\u00e8re faillite restera dans votre rapport pendant six \u00e0 sept ans apr\u00e8s lib\u00e9ration. Pour une deuxi\u00e8me faillite, cette p\u00e9riode est d&#8217;au moins 14\u00a0ans.<\/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-1176597","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>1. V\u00e9rifiez votre rapport de solvabilit\u00e9 - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Les deux principales agences de renseignements sur le consommateur au Canada sont Equifax et TransUnion. 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