{"id":33582,"date":"2021-08-06T16:01:53","date_gmt":"2021-08-06T20:01:53","guid":{"rendered":"https:\/\/env-hardbacon-dev.kinsta.cloud\/?p=33582"},"modified":"2022-04-13T13:36:18","modified_gmt":"2022-04-13T17:36:18","slug":"le-guide-ultime-pour-ameliorer-votre-cote-de-credit-au-canada","status":"publish","type":"post","link":"https:\/\/env-hardbacon-dev.kinsta.cloud\/fr\/cote-de-credit\/le-guide-ultime-pour-ameliorer-votre-cote-de-credit-au-canada\/","title":{"rendered":"Le guide ultime pour am\u00e9liorer votre cote de cr\u00e9dit au Canada"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"33582\" class=\"elementor elementor-33582 elementor-33305\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-73526f8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73526f8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1613bb2\" data-id=\"1613bb2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d8ccd3f elementor-widget elementor-widget-image\" data-id=\"d8ccd3f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 22-05-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/elementor\/thumbs\/commaditepar-pmnibyz9smkxrrr4b2shmnqp1y4b7n5q256smv5lbo.png\" title=\"commaditepar\" alt=\"commaditepar\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d114f48 elementor-widget elementor-widget-image\" data-id=\"d114f48\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/elementor\/thumbs\/refresh-logo@3x-pmnhn60lg0mje7s75cswtx2spwdm36opzdfipzxltc.png\" title=\"refresh-logo@3x\" alt=\"refresh-logo@3x\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-79d3281 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"79d3281\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0178da1\" data-id=\"0178da1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-86ffaec elementor-widget elementor-widget-spacer\" data-id=\"86ffaec\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 22-05-2023 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc641f6 elementor-widget elementor-widget-text-editor\" data-id=\"cc641f6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 22-05-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">Voulez-vous conna\u00eetre une statistique effarante sur la dette? Un Canadien sur trois admet qu\u2019il est sur le bord de la faillite.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">En fait, la plupart des Canadiens affirment qu\u2019ils ne seraient pas en mesure de payer 200 $ pour une d\u00e9pense surprise ou pour combler un trou dans leur budget. Une journ\u00e9e maladie sans solde peut \u00eatre d\u00e9sastreuse.<\/span><\/p><p><span style=\"font-weight: 400;\">Et m\u00eame s\u2019il y a beaucoup de honte et d\u2019embarras autour de l\u2019ins\u00e9curit\u00e9 financi\u00e8re et de la mauvaise cote de cr\u00e9dit qui l\u2019accompagne souvent, \u00e7a ne devrait pas \u00eatre le cas. Plusieurs Canadiens ont de la difficult\u00e9 \u00e0 tenir le cap. Vous n\u2019\u00eates d\u00e9finitivement pas seul.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-13b4196 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"13b4196\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0b54472\" data-id=\"0b54472\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1bf49d elementor-widget elementor-widget-text-editor\" data-id=\"f1bf49d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">On sait que de mauvaises choses arrivent \u00e0 de bonnes personnes tous les jours. Donc si vous vous \u00eates retrouv\u00e9 dans l\u2019eau chaude financi\u00e8rement et que vous devez redresser votre cr\u00e9dit et reprendre le contr\u00f4le de vos finances. <\/span><span style=\"font-weight: 400;\">Ne vous inqui\u00e9tez pas, vous avez beaucoup de ressources au bout des doigts.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2e894ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2e894ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-811f2cd\" data-id=\"811f2cd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d5e22dd elementor-widget elementor-widget-spacer\" data-id=\"d5e22dd\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee1bf02 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee1bf02\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7cda14c\" data-id=\"7cda14c\" 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i{font-size:var(--marker-size,.5em)}.elementor-toc__list-item-text-wrapper:before{font-size:var(--marker-size,1em)}.elementor-toc--content-ellipsis .elementor-toc__list-item-text{white-space:nowrap;overflow:hidden;-o-text-overflow:ellipsis;text-overflow:ellipsis}.elementor-toc__list-items--collapsible>.elementor-toc__list-wrapper>.elementor-toc__list-item>.elementor-toc__list-wrapper{display:none}.elementor-toc__heading-anchor{position:absolute}.elementor-toc__body .elementor-toc__list-item-text{color:var(--item-text-color);-webkit-text-decoration:var(--item-text-decoration);text-decoration:var(--item-text-decoration)}.elementor-toc__body .elementor-toc__list-item-text:hover{color:var(--item-text-hover-color);-webkit-text-decoration:var(--item-text-hover-decoration);text-decoration:var(--item-text-hover-decoration)}.elementor-toc__body .elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}ol.elementor-toc__list-wrapper{counter-reset:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item{counter-increment:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item-text-wrapper:before{content:counters(item,\".\") \". \"}<\/style>\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTable of Contents\t\t\t<\/h4>\n\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\"><svg class=\"e-font-icon-svg e-fas-chevron-up\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/div>\n\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aac3aa7 elementor-widget elementor-widget-spacer\" data-id=\"aac3aa7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3766e1c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3766e1c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5a25f18\" data-id=\"5a25f18\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c0f26c elementor-widget elementor-widget-heading\" data-id=\"0c0f26c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 22-05-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Qu\u2019est-ce qu\u2019une cote de cr\u00e9dit et comment est-elle calcul\u00e9e?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ca792a3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ca792a3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-24fc342\" data-id=\"24fc342\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a71bb89 elementor-widget elementor-widget-image\" data-id=\"a71bb89\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"1024\" height=\"683\" src=\"https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/infographic-1-1024x683.png\" class=\"attachment-large size-large wp-image-33631\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/infographic-1-1024x683.png 1024w, https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/infographic-1-300x200.png 300w, https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/infographic-1-768x512.png 768w, https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/infographic-1-1536x1024.png 1536w, https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/infographic-1-2048x1365.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ffaf140 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ffaf140\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c0158ab\" data-id=\"c0158ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-217a97c elementor-widget elementor-widget-spacer\" data-id=\"217a97c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f93a28e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f93a28e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3cd7200\" data-id=\"3cd7200\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f65d8fd elementor-widget elementor-widget-text-editor\" data-id=\"f65d8fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Quand vous faites une demande pour un pr\u00eat, vous empruntez l\u2019argent de quelqu\u2019un d\u2019autre sous promesse que vous le rembourserez tous les mois durant une p\u00e9riode pr\u00e9d\u00e9termin\u00e9e. Puisque les pr\u00eateurs ne savent rien de vous et si vous \u00eates digne de confiance, votre dossier de cr\u00e9dit est comme un bulletin de notes sur votre capacit\u00e9 \u00e0 g\u00e9rer l\u2019argent qui ne vous appartient pas. Votre cote de cr\u00e9dit est la note qui \u00e9value \u00e0 quel point vous \u00eates capable de garder vos promesses financi\u00e8res.<\/span><\/p><p><span style=\"font-weight: 400;\">La majorit\u00e9 de votre cote de cr\u00e9dit est bas\u00e9e sur votre historique de paiement. Si faire vos paiements \u00e0 temps chaque mois \u00e9tait un examen, cela constituerait 35 % de votre note finale. Si vous ratez cette partie, cela peut avoir un s\u00e9rieux impact sur votre cote. Un seul paiement en retard peut vous co\u00fbter 150 points, et \u00e7a reste \u00e0 votre dossier pour 7 ans.<\/span><\/p><p><span style=\"font-weight: 400;\">La deuxi\u00e8me partie la plus importante de votre cote est le niveau de cr\u00e9dit disponible que vous utilisez. C\u2019est ce qu\u2019on appelle le ratio d\u2019utilisation du cr\u00e9dit, et il compte pour 30 % de votre cote. Imaginez que votre carte de cr\u00e9dit et les limites de vos marges de cr\u00e9dit sont comme une tarte. Chaque fois que vous utilisez votre carte ou que vous retirez de l\u2019argent de votre marge, c\u2019est comme si vous mangiez de plus en plus de tarte. Plus vous mangez, plus cela affecte votre score.<\/span><\/p><p><span style=\"font-weight: 400;\">Ensuite vient l\u2019\u00e2ge de votre dossier de cr\u00e9dit, qui constitue 15 % de votre cote. Ceux qui ont un cr\u00e9dit depuis peu ont une cote beaucoup plus basse parce qu\u2019il est presque impossible de conna\u00eetre leur capacit\u00e9 \u00e0 g\u00e9rer et rembourser leur dette. Ceux avec des dossiers plus anciens et ceux avec des comptes ouverts depuis plusieurs ann\u00e9es ont souvent une cote plus haute parce que les pr\u00eateurs potentiels peuvent voir comment ils ont g\u00e9r\u00e9 ces dettes dans le temps.<\/span><\/p><p><span style=\"font-weight: 400;\">Finalement, les archives publiques et les enqu\u00eates de cr\u00e9dit correspondent \u00e0 10 % de votre cote. Les archives publiques sont des documents comme des recouvrements ou des jugements l\u00e9gaux comme une faillite ou une proposition de consommateur. Les enqu\u00eates de cr\u00e9dit correspondent \u00e0 chaque fois o\u00f9 un pr\u00eateur acc\u00e8de \u00e0 votre dossier de cr\u00e9dit lorsque vous faites une demande. De toute \u00e9vidence, les recouvrements et les jugements vous nuisent le plus. Mais trop d\u2019enqu\u00eates dans un court laps de temps peut vous causer du tort aussi.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6650a56 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6650a56\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dab87c9\" data-id=\"dab87c9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74a7ad9 elementor-widget elementor-widget-spacer\" data-id=\"74a7ad9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c5f057f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c5f057f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cefba4a\" data-id=\"cefba4a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8e5f1e elementor-widget elementor-widget-heading\" data-id=\"f8e5f1e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment puis-je reb\u00e2tir ma cote de cr\u00e9dit rapidement?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c7cd39e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c7cd39e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e31d482\" data-id=\"e31d482\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f43d8f elementor-widget elementor-widget-text-editor\" data-id=\"5f43d8f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La meilleure fa\u00e7on de reb\u00e2tir votre cr\u00e9dit, c\u2019est de l\u2019utiliser. Mais que faire si des pr\u00eateurs traditionnels vous disent non? Si votre cote de cr\u00e9dit est au plus bas parce que vous avez rencontr\u00e9 des emb\u00fbches, il y a des outils \u00e0 votre disposition pour vous aider \u00e0 vous remettre sur pied m\u00eame quand les banques refusent de vous aider.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9e796f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9e796f5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-89bf869\" data-id=\"89bf869\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bbada55 elementor-widget elementor-widget-spacer\" data-id=\"bbada55\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-640f594 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"640f594\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c69d83\" data-id=\"5c69d83\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cef10be elementor-widget elementor-widget-heading\" data-id=\"cef10be\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Carte de cr\u00e9dit avec garantie<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f6611ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f6611ae\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-45bf5ca\" data-id=\"45bf5ca\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f67271 elementor-widget elementor-widget-text-editor\" data-id=\"7f67271\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le meilleur moyen pour rehausser votre cote de cr\u00e9dit est d\u2019utiliser une carte de cr\u00e9dit. Mais ce conseil peut sembler inutile si vous n\u2019en avez pas ou que vous avez d\u00e9j\u00e0 atteint vos limites sur celles que vous avez. Refresh Financial offre une <\/span><a href=\"https:\/\/refreshfinanciere.ca\/carte-avec-garantie\/\" data-lasso-id=\"7442\"><span style=\"font-weight: 400;\">carte de cr\u00e9dit avec garantie <\/span><\/a><span style=\"font-weight: 400;\">con\u00e7ue sp\u00e9cialement pour vous aider \u00e0 vous rendre o\u00f9 vous devez \u00eatre. Tant et aussi longtemps que vous pouvez fournir un d\u00e9p\u00f4t, votre approbation est garantie.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf74e9a elementor-widget elementor-widget-html\" data-id=\"bf74e9a\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"5f6a062dba713057455d88f2\">\r\n<div class=\"hb-widget hardbacon-comparator-widget\" data-comparator=\"credit-cards\" data-key=\"64f359b2-4b69-422f-a67f-e56ffd94cbe8\" data-hideanchor=\"true\" data-hidecopyright=\"true\" data-language=\"fr\" data-products=\"5f6a062dba713057455d88f2\"><\/div>\r\n<script src=\"https:\/\/hardbacon-resources.s3.amazonaws.com\/comparator\/index.js.gz\"><\/script>\r\n\r\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9470874 elementor-widget elementor-widget-text-editor\" data-id=\"9470874\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Quand vous recevrez votre carte et que vous commencez \u00e0 l\u2019utiliser, elle fonctionne comme une carte de cr\u00e9dit ordinaire. Vous devrez encore faire vos paiements mensuels \u00e0 temps, mais le faire am\u00e9liorera votre cote de cr\u00e9dit chaque mois. Et Refresh Financial transmet ces paiements \u00e0 TransUnion et Equifax.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f047c4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f047c4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a7a903\" data-id=\"7a7a903\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7950da9 elementor-widget elementor-widget-spacer\" data-id=\"7950da9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4bbe1a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4bbe1a9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-488b3cf\" data-id=\"488b3cf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84684f0 elementor-widget elementor-widget-heading\" data-id=\"84684f0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pr\u00eat de construction de cr\u00e9dit<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-758da18 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"758da18\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a59d58d\" data-id=\"a59d58d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f135d7 elementor-widget elementor-widget-text-editor\" data-id=\"6f135d7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Refresh Financial offre aussi un <\/span><a href=\"https:\/\/refreshfinanciere.ca\/programmes\/\" data-lasso-id=\"7442\"><span style=\"font-weight: 400;\">pr\u00eat de construction de cr\u00e9dit<\/span><\/a><span style=\"font-weight: 400;\">, qui est un genre d\u2019hybride entre un compte d\u2019\u00e9pargne et un pr\u00eat \u00e0 temp\u00e9rament. Comme ce dernier, vous ferez des paiements mensuels r\u00e9guliers, qui seront transmis aux deux bureaux de cr\u00e9dit.<\/span><\/p><p><span style=\"font-weight: 400;\"> Mais comme un compte d\u2019\u00e9pargne, ces paiements sont mis de c\u00f4t\u00e9 dans un fonds de placement pour vous. Quand vous aurez fini de payer votre pr\u00eat, vos paiements vous seront retourn\u00e9s, moins les int\u00e9r\u00eats et les frais applicables. Vous pouvez personnaliser ce pr\u00eat selon vos besoins, combien vous avez besoin d\u2019emprunter, pour combien de temps et les paiements mensuels que vous pouvez faire. Vous pouvez m\u00eame encaisser vos paiements plus t\u00f4t si vous avez atteint votre objectif de cote de cr\u00e9dit avant la fin du terme.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c9716ba elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c9716ba\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bda7a83\" data-id=\"bda7a83\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-000a76e elementor-widget elementor-widget-spacer\" data-id=\"000a76e\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-952f2f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"952f2f9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-86fca46\" data-id=\"86fca46\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e1596b elementor-widget elementor-widget-heading\" data-id=\"4e1596b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">B\u00e2tir et conserver une bonne cote de cr\u00e9dit<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-baef364 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"baef364\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8164585\" data-id=\"8164585\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6412d2b elementor-widget elementor-widget-text-editor\" data-id=\"6412d2b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Reb\u00e2tir sa cote de cr\u00e9dit n\u2019est que la premi\u00e8re partie du parcours. Et m\u00eame si des outils comme une carte de cr\u00e9dit avec garantie ou un pr\u00eat de construction de cr\u00e9dit rendent cette \u00e9tape plus facile que jamais, vous devez maintenir une bonne cote pour pouvoir acc\u00e9der \u00e0 du cr\u00e9dit dans le futur. Comment faire?<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-80fb3b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"80fb3b9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-731342e\" data-id=\"731342e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1daf8bd elementor-widget elementor-widget-spacer\" data-id=\"1daf8bd\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b5fc9e3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b5fc9e3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a09a30c\" data-id=\"a09a30c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-62c180e elementor-widget elementor-widget-heading\" data-id=\"62c180e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">V\u00e9rifiez s\u2019il n\u2019y a pas d\u2019erreurs<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aa86ced elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aa86ced\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1386c37\" data-id=\"1386c37\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9058725 elementor-widget elementor-widget-text-editor\" data-id=\"9058725\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ce sont des humains qui soumettent l\u2019information sur vos habitudes d\u2019emprunt aux bureaux de cr\u00e9dit, et les humains font parfois des erreurs. Surveillez votre cote de cr\u00e9dit r\u00e9guli\u00e8rement pour rep\u00e9rer toute incoh\u00e9rence. Il pourrait y avoir une erreur dans votre dossier qui mine votre cote sans que \u00e7a soit votre faute.<\/span><\/p><p><span style=\"font-weight: 400;\">Les agences de recouvrement sont particuli\u00e8rement connues pour ne pas notifier les bureaux de cr\u00e9dit lorsqu\u2019une cr\u00e9ance a \u00e9t\u00e9 pay\u00e9e ou rembours\u00e9e. Vous pouvez acc\u00e9der \u00e0 votre dossier de cr\u00e9dit gratuitement sur <\/span><a href=\"https:\/\/borrowell.com\/\" data-lasso-id=\"7442\"><span style=\"font-weight: 400;\">Borrowell<\/span><\/a><span style=\"font-weight: 400;\"> et le consulter autant que vous voulez sans affecter votre cote.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0ffd891 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0ffd891\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7d53f9c\" data-id=\"7d53f9c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-095cc1c elementor-widget elementor-widget-spacer\" data-id=\"095cc1c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7f4e277 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f4e277\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5b0c6c1\" data-id=\"5b0c6c1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fdd8cbb elementor-widget elementor-widget-heading\" data-id=\"fdd8cbb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Faites vos paiements \u00e0 temps<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0d932c9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d932c9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-387e66d\" data-id=\"387e66d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a1b00f elementor-widget elementor-widget-text-editor\" data-id=\"4a1b00f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Au risque de souligner l\u2019\u00e9vidence, il est absolument n\u00e9cessaire de faire tous vos paiements mensuels \u00e0 temps. Il n\u2019y a pas de place \u00e0 l\u2019erreur, surtout si vous tentez de redresser une cote de cr\u00e9dit endommag\u00e9e. Gardez le fil de vos dates limites et assurez-vous de soumettre vos paiements en ligne au moins 3 \u00e0 5 jours d\u2019avance avant la date limite pour vous assurez que le pr\u00eateur les re\u00e7oive \u00e0 temps.<\/span><\/p><p><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ff62a31 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ff62a31\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c70698e\" data-id=\"c70698e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2773d63 elementor-widget elementor-widget-spacer\" data-id=\"2773d63\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c84bed0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c84bed0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-29aa101\" data-id=\"29aa101\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5002f36 elementor-widget elementor-widget-heading\" data-id=\"5002f36\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Remboursez votre dette<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f61ec7c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f61ec7c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ddefe40\" data-id=\"ddefe40\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38531c2 elementor-widget elementor-widget-text-editor\" data-id=\"38531c2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Vous savez d\u00e9j\u00e0 qu\u2019une partie de votre cote est bas\u00e9e sur le niveau de cr\u00e9dit que vous utilisez sur des cartes de cr\u00e9dit et des marges de cr\u00e9dit. Mais saviez-vous qu\u2019aller au-del\u00e0 de la limite vous nuit presque autant qu\u2019un paiement manqu\u00e9?<\/span><\/p><p><span style=\"font-weight: 400;\">G\u00e9n\u00e9ralement, d\u00e8s que votre solde d\u00e9passe 30 % de votre limite, cela commence \u00e0 avoir un impact n\u00e9gatif. Cela veut dire qu\u2019avec une carte de cr\u00e9dit avec une limite de 1000 $, votre solde mensuel ne devrait pas d\u00e9passer 300 $. D\u00e9passer la limite est l\u2019\u00e9quivalent de donner un coup de poing \u00e0 votre cote dans l\u2019estomac.<\/span><\/p><p><span style=\"font-weight: 400;\">En plus, votre pr\u00eateur risque d\u2019augmenter votre taux d\u2019int\u00e9r\u00eat et vous facturer des frais de d\u00e9passement de limite. Cela rend vos paiements mensuels minimums inutiles en ce qui concerne la r\u00e9duction de votre solde, puisqu\u2019ils paieront uniquement les int\u00e9r\u00eats et frais.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vos cartes de cr\u00e9dit approchent ou sont \u00e0 leur limite, vous devez faire en sorte de les rembourser aussi vite que possible. Il y a deux strat\u00e9gies pour vous aider \u00e0 le faire: la m\u00e9thode Boule de neige et la m\u00e9thode Avalanche.<\/span><\/p><p><span style=\"font-weight: 400;\">La m\u00e9thode Boule de neige vise \u00e0 payer la plus petite dette en premier. Faites la liste de toutes vos dettes, du plus petit au plus grand solde. \u00c9videmment, faites votre paiement mensuel minimum pour chacune d\u2019entre elles. Mais vous rembourserez de mani\u00e8re agressive la plus petite en payant autant que possible au-dessus du montant minimum. Une fois que cette dette sera \u00e9limin\u00e9e, vous passerez \u00e0 la deuxi\u00e8me plus petite, et ainsi de suite.<\/span><\/p><p><span style=\"font-weight: 400;\">La m\u00e9thode Avalanche vise \u00e0 payer la dette avec le plus gros taux d\u2019int\u00e9r\u00eat en premier, en g\u00e9n\u00e9ral une carte de cr\u00e9dit. Mais si vous avez des pr\u00eats hypoth\u00e9caires \u00e0 risque d\u2019un pr\u00eateur priv\u00e9, les taux peuvent \u00eatre beaucoup plus hauts que ceux des cartes de cr\u00e9dit. Faites la liste de vos dettes, de celle avec le plus haut taux d\u2019int\u00e9r\u00eat \u00e0 celle avec le plus bas. <\/span><\/p><p><span style=\"font-weight: 400;\">Puis, comme avec la m\u00e9thode boule de neige mais \u00e0 l\u2019envers, d\u00e9passez autant que possible le paiement mensuel minimum de votre dette avec le plus haut taux d\u2019int\u00e9r\u00eat. N\u2019oubliez \u00e9videmment pas de faire les paiements minimums pour vos autres dettes. Une fois cette premi\u00e8re dette compl\u00e8tement rembours\u00e9e, faites la m\u00eame chose avec les suivantes.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d759c5d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d759c5d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4902654\" data-id=\"4902654\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c36d316 elementor-widget elementor-widget-spacer\" data-id=\"c36d316\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f1058d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f1058d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-425173b\" data-id=\"425173b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-efbb97e elementor-widget elementor-widget-heading\" data-id=\"efbb97e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Diversifiez votre dette<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-906f6d4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"906f6d4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a3fab67\" data-id=\"a3fab67\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17bfea4 elementor-widget elementor-widget-text-editor\" data-id=\"17bfea4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Tout comme un bon portefeuille d\u2019investissement a besoin d\u2019\u00eatre diversifi\u00e9, votre dossier de cr\u00e9dit doit l\u2019\u00eatre aussi. Ne mettez pas tous vos \u0153ufs dans le m\u00eame panier, comme des cartes de cr\u00e9dit ou des pr\u00eats \u00e0 temp\u00e9rament. Diff\u00e9rents types de cr\u00e9dit montrent aux pr\u00eateurs que vous \u00eates capables de g\u00e9rer une vari\u00e9t\u00e9 d\u2019instruments de cr\u00e9dit qui n\u00e9cessitent diff\u00e9rents modes de remboursement. Un dossier de cr\u00e9dit \u00e9quilibr\u00e9 vous rend moins \u00e0 risque.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-81fa786 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"81fa786\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c3f148a\" data-id=\"c3f148a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-658daa4 elementor-widget elementor-widget-spacer\" data-id=\"658daa4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-90879e6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"90879e6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27f9c9a\" data-id=\"27f9c9a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8b2ec27 elementor-widget elementor-widget-heading\" data-id=\"8b2ec27\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ne fermez pas vos vieux comptes<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aafeaf5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aafeaf5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f02b418\" data-id=\"f02b418\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d67986 elementor-widget elementor-widget-text-editor\" data-id=\"6d67986\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ne fermez pas vos vieilles cartes ou marges de cr\u00e9dit juste parce que vous ne les utilisez pas. Tant que leur solde est \u00e0 ou approche z\u00e9ro, plus longtemps ces comptes resteront ouverts, le meilleur votre cr\u00e9dit sera. Cela donne aux cr\u00e9diteurs un historique plus long \u00e0 regarder lorsqu\u2019ils \u00e9valuent votre solvabilit\u00e9. Toutefois, si vous ne pouvez vous emp\u00eacher d\u2019utiliser ces comptes et d\u2019augmenter vos soldes, vous devriez d\u00e9finitivement les fermer.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2cd0776 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2cd0776\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a4950dc\" data-id=\"a4950dc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a4c158 elementor-widget elementor-widget-spacer\" data-id=\"4a4c158\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b8c788a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b8c788a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7978091\" data-id=\"7978091\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c74c340 elementor-widget elementor-widget-heading\" data-id=\"c74c340\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cessez de demander du cr\u00e9dit<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0a67652 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0a67652\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eff6de0\" data-id=\"eff6de0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84d212c elementor-widget elementor-widget-text-editor\" data-id=\"84d212c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">M\u00eame si les enqu\u00eates de cr\u00e9dit ne repr\u00e9sentent qu\u2019un petit pourcentage de votre cote, un trop grand nombre peuvent l\u2019abaisser tr\u00e8s rapidement. Une enqu\u00eate approfondie peut retirer de 5 \u00e0 10 points \u00e0 votre cote de cr\u00e9dit. Plus celle-ci \u00e9tait d\u00e9j\u00e0 basse pour commencer, plus cela vous nuira. Si quelques enqu\u00eates par ann\u00e9e sont normales et m\u00eame attendues, plusieurs dans un court laps de temps pourrait faire baisser votre cote au point de vous faire \u00e9chouer les exigences de qualification de base. Cela vous fait aussi para\u00eetre d\u00e9sesp\u00e9r\u00e9 pour du cr\u00e9dit aux yeux des pr\u00eateurs, qui vous consid\u00e8reront alors comme plus \u00e0 risque. Si vous tentez de reconstruire un cr\u00e9dit d\u00e9j\u00e0 bas, vous devriez \u00e9viter de faire des demandes additionnelles \u00e0 moins que ce soit absolument n\u00e9cessaire.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72ea463 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72ea463\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72a57f0\" data-id=\"72a57f0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9e6ff93 elementor-widget elementor-widget-spacer\" data-id=\"9e6ff93\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d571427 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d571427\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ae9cf9c\" data-id=\"ae9cf9c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ea45952 elementor-widget elementor-widget-heading\" data-id=\"ea45952\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">En conclusion<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8569d9c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8569d9c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5baa85e\" data-id=\"5baa85e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88ff32a elementor-widget elementor-widget-text-editor\" data-id=\"88ff32a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si vous lisez ceci, vous avez probablement d\u00e9j\u00e0 demand\u00e9 du cr\u00e9dit et essuy\u00e9 un refus. Ou peut-\u00eatre avez vous de la difficult\u00e9 \u00e0 g\u00e9rer votre dette et ne savez pas quoi faire. Soyez rassur\u00e9, peu importe \u00e0 quel point vous vous sentez mal, vous n\u2019\u00eates pas le seul dans cette situation. La plupart de ceux qui s\u2019endettent le font avec la ferme intention de retourner l\u2019argent tel que convenu.<\/span><\/p><p><span style=\"font-weight: 400;\">La vie est faite d\u2019impr\u00e9vus et un malheur ne vient jamais seul. Un mauvais cr\u00e9dit ne fait pas de vous une mauvaise personne, mais seulement un humain. Il y a des tas de ressources \u00e0 votre disposition pour vous aider \u00e0 reprendre le contr\u00f4le de votre dette et reb\u00e2tir votre cr\u00e9dit. Comprendre comment fonctionne la cote de cr\u00e9dit et faire quelques ajustements vous permettra sous peu de conna\u00eetre de meilleurs jours.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Voulez-vous conna\u00eetre une statistique effarante sur la dette? Un Canadien sur trois admet qu\u2019il est sur le bord de la faillite. En&#8230;<\/p>\n","protected":false},"author":171,"featured_media":33307,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":""},"categories":[767,524],"tags":[],"acf":[],"nelio_content":{"isAutoShareEnabled":true,"autoShareEndMode":"default","automationSources":{"useContentSentences":true,"useSocialTemplates":true,"useCustomSentences":false,"customSentences":[]},"followers":[],"suggestedReferences":[],"includedReferences":[],"efiUrl":"","efiAlt":"","highlights":[]},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.2.1 (Yoast SEO v19.14) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Le guide ultime pour am\u00e9liorer votre cote de cr\u00e9dit au Canada | Hardbacon<\/title>\n<meta name=\"description\" content=\"Hardbacon vous aide \u00e0 prendre de meilleures d\u00e9cisions financi\u00e8res. 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Comparez les cartes de cr\u00e9dit au Canada, les courtiers en ligne et plus encore.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/env-hardbacon-dev.kinsta.cloud\/fr\/cote-de-credit\/le-guide-ultime-pour-ameliorer-votre-cote-de-credit-au-canada\/\" \/>\n<meta property=\"og:site_name\" content=\"Hardbacon\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/hardbaconca\" \/>\n<meta property=\"article:published_time\" content=\"2021-08-06T20:01:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-04-13T17:36:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/hoang-le-JHuKu1x1yF0-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1920\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Heidi Unrau\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@hardbaconca\" \/>\n<meta name=\"twitter:site\" content=\"@hardbaconca\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Heidi Unrau\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimation du temps de lecture\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Le guide ultime pour am\u00e9liorer votre cote de cr\u00e9dit au Canada | Hardbacon","description":"Hardbacon vous aide \u00e0 prendre de meilleures d\u00e9cisions financi\u00e8res. 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She studied Economics at the University of Winnipeg, where she fell in love with all-things-finance. At 25, she got her first bank job as an entry-level teller. She moved up the ranks to Credit Analyst, Loans Officer, and now a Personal Finance Writer. In her spare time, you'll find her hiding in the car listening to Freakonomics podcasts, or binge-watching financial crime documentaries with a pint of H\u00e4agen-Dazs. When she's not chasing after her two little boys, she's in the hot tub or arguing with her husband over which cash back card to use for date night. She\u2019s addicted to coffee, crypto, and obsessively checking her credit score on Borrowell. Fun Fact: Heidi has lived in five different provinces across Canada, loves her free Tangerine bank account, and will never cut back on Starbucks. 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Un Canadien sur trois admet qu\u2019il est sur le bord de la faillite. En...","_links":{"self":[{"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/fr\/wp-json\/wp\/v2\/posts\/33582"}],"collection":[{"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/fr\/wp-json\/wp\/v2\/users\/171"}],"replies":[{"embeddable":true,"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/fr\/wp-json\/wp\/v2\/comments?post=33582"}],"version-history":[{"count":0,"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/fr\/wp-json\/wp\/v2\/posts\/33582\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/fr\/wp-json\/wp\/v2\/media\/33307"}],"wp:attachment":[{"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/fr\/wp-json\/wp\/v2\/media?parent=33582"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/fr\/wp-json\/wp\/v2\/categories?post=33582"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/fr\/wp-json\/wp\/v2\/tags?post=33582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}