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Si vous avez emprunt\u00e9 pour l\u2019achat d\u2019une voiture ou d\u2019une maison ou si vous avez fait demande d\u2019une carte de cr\u00e9dit ou de tout autre pr\u00eat personnel, vous avez une cote de cr\u00e9dit.<\/p>\n
Votre rapport de cr\u00e9dit est le portrait de vos ant\u00e9c\u00e9dents financiers. Il contient des renseignements au sujet des pr\u00eats que vous avez faits, si vous payez r\u00e9guli\u00e8rement \u00e0 temps, ce que vous devez, votre limite sur chacun de ces pr\u00eats. Vous \u00e9tablissez de bons ant\u00e9c\u00e9dents de dette quand vous parvenez \u00e0 faire vos mensualit\u00e9s sur les cartes de cr\u00e9dit et vos autres pr\u00eats dans les d\u00e9lais requis.<\/p>\n
Il s\u2019agit de l\u2019outil le plus important utilis\u00e9 par les cr\u00e9anciers, comme les banques et les compagnies de carte de cr\u00e9dit, pour d\u00e9cider s\u2019ils vous accorderont du cr\u00e9dit. Si vous n\u2019avez pas d\u2019ant\u00e9c\u00e9dents de cr\u00e9dit, ou de mauvais ant\u00e9c\u00e9dents de cr\u00e9dit, il peut \u00eatre plus difficile pour vous d\u2019emprunter, surtout des sommes importantes comme une hypoth\u00e8que.<\/p>\n
Les deux bureaux de cr\u00e9dit les plus importants qui gardent vos renseignements en dossier sont Equifax Canada and TransUnion Canada. Il vous est recommand\u00e9 de communiquer avec eux sur une base annuelle pour obtenir une copie gratuite de votre rapport de cr\u00e9dit. Votre rapport de cr\u00e9dit gratuit est appel\u00e9 un \u00ab dossier de cr\u00e9dit \u00bb par Equifax Canada, et un \u00ab rapport cr\u00e9dit \u00bb par TransUnion Canada. Vous pouvez obtenir votre rapport en personne, par la poste, par t\u00e9l\u00e9phone et maintenant, en ligne.<\/p>\n
Rapport de cr\u00e9dit gratuits : Equifax Canada<\/a> et TransUnion Canada<\/a><\/p>\n Examinez votre rapport de cr\u00e9dit pour y d\u00e9celer toute erreur et tout indice de vol d\u2019identit\u00e9. Vous pouvez demander aux bureaux de cr\u00e9dit de corriger les erreurs. C\u2019est gratuit. N\u2019oubliez pas, seules les erreurs ne peuvent \u00eatre corrig\u00e9es \u2013 aucun renseignement de fait, renseignements justes \u00e0 un compte de cr\u00e9dit ne peut \u00eatre chang\u00e9 par vous ou qui que ce soit.<\/p>\n Source : Agence de la consommation en mati\u00e8re financi\u00e8re du Canada<\/div><\/div>\n Dans le but d\u2019am\u00e9liorer votre cote de cr\u00e9dit, faites toujours vos mensualit\u00e9s \u00e0 temps. Si vous n\u2019est pas en mesure de rembourser la somme compl\u00e8te, faites au moins les paiements minimum. Si vous avez de la difficult\u00e9 \u00e0 payer un compte, communiquez imm\u00e9diatement avec votre cr\u00e9ancier. N\u00e9gociez un plan pour rembourser votre dette. Si ce n\u2019est pas possible, nous vous conseillons de fixer un rendez-vous pour consulter un conseiller en mati\u00e8re de cr\u00e9dit.<\/p>\n Si vous aimeriez recevoir de plus amples renseignements au sujet des rapports de cr\u00e9dit et du pointage de cr\u00e9dit, consultez l\u2019Agence de la consommation en mati\u00e8re financi\u00e8re du Canada<\/a>.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" \u00c9DUCATION COTE DE CR\u00c9DIT Si vous avez emprunt\u00e9 pour l\u2019achat d\u2019une voiture ou d\u2019une maison ou si vous avez fait demande d\u2019une carte de cr\u00e9dit ou de tout autre pr\u00eat […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"If you\u2019ve ever borrowed money to buy a car or a house or have applied for a credit card or any other personal loan you have a credit report.\r\n\r\nYour credit report is a snapshot of your financial history. It contains information about loans you have taken out, whether you regularly pay on time, how much you owe, what your credit limit is on each. You build a good credit history by consistently making payments on your credit cards and other loans on time.\r\n\r\nIt is one of the primary tools that creditors, like banks and credit card companies, use to decide whether to grant you credit. If you have no credit history, or a bad credit history, you may have more difficulty borrowing money, especially large amounts such as a mortgage.\r\n\r\nThe two major credit reporting agencies that keep your information on file are Equifax Canada and TransUnion Canada. It is recommended that you contact them annually to obtain a free copy of your credit report. Your free credit report is called a \u201ccredit file disclosure\u201d by Equifax Canada and a \u201cconsumer disclosure\u201d by TransUnion Canada. You can obtain your report in person, by mail, phone fax and now online.\r\n\r\nFree Credit Reports: \u00a0\u00a0Equifax\u00a0Canada<\/a> & TransUnion of Canada<\/a>\r\n\r\nCheck your credit report for errors and signs of identity theft. You can ask the credit reporting agencies to correct errors. It\u2019s free. Remember, only errors can be corrected \u2013 no factual, accurate information related to a credit account can be changed by you or anyone else.\r\n\r\nTo improve your credit rating, always make your payments on time. If you cannot pay the full amount, make at least the minimum payments. If you will have trouble paying a bill, contact your creditor immediately. Negotiate a plan to repay your debt. If this is not possible we recommend you schedule an appointment to see a credit counsellor.\r\n\r\nIf you would like more information on credit reports and credit scoring go to\u00a0Financial Consumer Agency of Canada<\/a>.","_et_gb_content_width":"","footnotes":""},"class_list":["post-662","page","type-page","status-publish","hentry"],"yoast_head":"\n\n