{"id":1371,"date":"2024-12-15T08:21:52","date_gmt":"2024-12-15T13:21:52","guid":{"rendered":"https:\/\/tcr.orthoplex.ca\/understand-your-credit\/"},"modified":"2026-03-25T07:32:34","modified_gmt":"2026-03-25T11:32:34","slug":"comprendre-votre-credit","status":"publish","type":"page","link":"https:\/\/tcr-staging.tcr.ca\/fr\/comprendre-votre-credit\/","title":{"rendered":"Comprendre votre cr\u00e9dit"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1371\" class=\"elementor elementor-1371 elementor-642\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af7e5f1 e-con-full e-flex e-con e-parent\" data-id=\"af7e5f1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-cc84a11 e-con-full e-flex e-con e-child\" data-id=\"cc84a11\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e1a263 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1e1a263\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comprendre votre rapport de cr\u00e9dit <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ee0299 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7ee0299\" data-element_type=\"widget\" data-e-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\t\t<p>Votre rapport de solvabilit\u00e9 (\u00ab rapport de cr\u00e9dit \u00bb) est un document d\u00e9taill\u00e9 contenant des informations importantes sur votre historique financier. Ces informations sont utilis\u00e9es par les pr\u00eateurs, les soci\u00e9t\u00e9s \u00e9mettrices de cartes de cr\u00e9dit, les propri\u00e9taires, les bailleurs de fonds automobiles et autres organismes de cr\u00e9dit pour \u00e9valuer votre solvabilit\u00e9. Comprendre les donn\u00e9es de votre rapport de cr\u00e9dit est crucial, car elles peuvent avoir une incidence sur votre capacit\u00e9 \u00e0 obtenir des pr\u00eats, des cartes de cr\u00e9dit, des taux d\u2019int\u00e9r\u00eat comp\u00e9titifs et m\u00eame des perspectives d&#8217;emploi. Nous d\u00e9taillerons les principaux \u00e9l\u00e9ments de votre rapport de cr\u00e9dit, expliquerons la signification de chaque section et son impact sur vous.    <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cbf01ea e-con-full e-flex e-con e-parent\" data-id=\"cbf01ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fa86658 e-con-full e-flex e-con e-child\" data-id=\"fa86658\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6a420c elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"f6a420c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu'est-ce qu'un bureau de cr\u00e9dit?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5e855a elementor-widget elementor-widget-text-editor\" data-id=\"e5e855a\" data-element_type=\"widget\" data-e-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\t\t<p>Un bureau de cr\u00e9dit, aussi appel\u00e9 agence d&rsquo;\u00e9valuation du cr\u00e9dit, est une entreprise qui recueille et conserve des informations sur votre activit\u00e9 de cr\u00e9dit. Il cr\u00e9e des rapports de cr\u00e9dit qui r\u00e9sument votre historique d&#8217;emprunt, y compris vos obligations de cr\u00e9dit actuelles, Vos habitudes de paiement, etc. Les deux principaux bureaux de cr\u00e9dit au Canada sont Equifax et TransUnion.  <\/p><p>Chaque bureau recueille des informations similaires, mais il est possible que les donn\u00e9es communiqu\u00e9es varient l\u00e9g\u00e8rement. Il est \u00e9galement possible qu&rsquo;un cr\u00e9ancier donn\u00e9 ne communique ses donn\u00e9es qu&rsquo;\u00e0 un seul bureau. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4439da8 e-con-full e-flex e-con e-child\" data-id=\"4439da8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a49f2fa elementor-widget elementor-widget-image\" data-id=\"a49f2fa\" data-element_type=\"widget\" data-e-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 fetchpriority=\"high\" decoding=\"async\" width=\"476\" height=\"524\" src=\"https:\/\/tcr-staging.tcr.ca\/wp-content\/uploads\/2025\/03\/Credit-Bureau_1x.webp\" class=\"attachment-large size-large wp-image-1769\" alt=\"\" srcset=\"https:\/\/tcr-staging.tcr.ca\/wp-content\/uploads\/2025\/03\/Credit-Bureau_1x.webp 476w, https:\/\/tcr-staging.tcr.ca\/wp-content\/uploads\/2025\/03\/Credit-Bureau_1x-273x300.webp 273w\" sizes=\"(max-width: 476px) 100vw, 476px\" \/>\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>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c71a9c e-con-full e-flex e-con e-parent\" data-id=\"6c71a9c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2f35f39 e-con-full e-flex e-con e-child\" data-id=\"2f35f39\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:100,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87a733d elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"87a733d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sections cl\u00e9s de votre rapport de solvabilit\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4cfccc1 e-con-full e-flex e-con e-child\" data-id=\"4cfccc1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4421efa e-con-full e-flex e-con e-child\" data-id=\"4421efa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1db9f8 elementor-widget elementor-widget-heading\" data-id=\"a1db9f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Informations\npersonnelles <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf90d4b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"bf90d4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d48e719 elementor-widget elementor-widget-text-editor\" data-id=\"d48e719\" data-element_type=\"widget\" data-e-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\t\t<p>Cette section contient des informations d&rsquo;identification vous concernant, telles que : <\/p><ul><li><strong>Nom<\/strong><\/li><li><strong>Date de naissance <\/strong><\/li><li><strong>Historique des adresses <\/strong><\/li><li><strong>Ant\u00e9c\u00e9dents professionnels <\/strong><\/li><li><strong>Num\u00e9ros de contact <\/strong><\/li><li><strong>Des variations dans votre nom<br><\/strong><\/li><\/ul>\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-ad031b8 elementor-widget elementor-widget-text-editor\" data-id=\"ad031b8\" data-element_type=\"widget\" data-e-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\t\t<p>Cette section vise \u00e0 v\u00e9rifier votre identit\u00e9. Les pr\u00eateurs l&rsquo;utilisent pour confirmer que le rapport de solvabilit\u00e9 appartient bien \u00e0 la bonne personne. Des inexactitudes, telles qu&rsquo;une adresse ou des informations professionnelles erron\u00e9es, pourraient indiquer une erreur ou une usurpation d&rsquo;identit\u00e9.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f5c9083 e-con-full e-flex e-con e-child\" data-id=\"f5c9083\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1f59c3 elementor-widget elementor-widget-heading\" data-id=\"e1f59c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comptes de cr\u00e9dit <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-beb1c75 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"beb1c75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d27f831 elementor-widget elementor-widget-text-editor\" data-id=\"d27f831\" data-element_type=\"widget\" data-e-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\t\t<p>Cette section d\u00e9crit vos comptes de cr\u00e9dit, notamment : <\/p><ul><li>Comptes de carte de cr\u00e9dit <\/li><li>Pr\u00eats \u00e0 temp\u00e9rament (par exemple, pr\u00eats automobiles, pr\u00eats \u00e9tudiants, etc.) <\/li><li>Comptes hypoth\u00e9caires <\/li><li>Comptes de commerce au d\u00e9tail <\/li><li>Comptes de t\u00e9l\u00e9communications<br><br><\/li><\/ul><p>Chaque compte r\u00e9pertori\u00e9 affichera g\u00e9n\u00e9ralement : <\/p><ul><li><strong>Type de compte : <\/strong>carte de cr\u00e9dit, pr\u00eat hypoth\u00e9caire, pr\u00eat automobile, etc.<\/li><li><strong>Cr\u00e9ancier Conc\u00e9dant\/Pr\u00eateur <\/strong><\/li><li><strong>Date d&rsquo;ouverture <\/strong><\/li><li><strong>Limite de cr\u00e9dit\/Montant du pr\u00eat<\/strong><\/li><li><strong>Solde actuel <\/strong><\/li><li><strong>Statut de paiement : <\/strong>Si votre compte est \u00e0 jour, en souffrance ou d\u00e9linquent.<\/li><li><strong>Historique des paiements : <\/strong>Historique des paiements mensuels des 24 derniers mois.<\/li><li><strong>Notation du compte :<\/strong> La notation est indiqu\u00e9e par la lettre R ou I suivie d&rsquo;un chiffre de 1 \u00e0 9. Plus le chiffre est \u00e9lev\u00e9, plus la notation est mauvaise et plus la dette est en souffrance. <\/li><\/ul>\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-b7d9fd8 elementor-widget elementor-widget-text-editor\" data-id=\"b7d9fd8\" data-element_type=\"widget\" data-e-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\t\t<p>Cette section a pour but d&rsquo;aider les pr\u00eateurs \u00e0 \u00e9valuer votre comportement d&#8217;emprunt. Des paiements ponctuels am\u00e9liorent votre solvabilit\u00e9. Des paiements manqu\u00e9s ou en retard ont un impact n\u00e9gatif sur votre cote de cr\u00e9dit.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76c6ac0 e-con-full e-flex e-con e-child\" data-id=\"76c6ac0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58d95f1 elementor-widget elementor-widget-heading\" data-id=\"58d95f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Documents publics<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30d1eb2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"30d1eb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a7f770 elementor-widget elementor-widget-text-editor\" data-id=\"4a7f770\" data-element_type=\"widget\" data-e-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\t\t<p>Cette section comprend des informations provenant de documents publics tels que : <\/p><ul><li><strong>Faillites <\/strong><\/li><li><strong>Jugements <\/strong><\/li><li><strong>Liens <\/strong><\/li><li><strong>Articles impay\u00e9s <\/strong><\/li><li><strong>Responsabilit\u00e9s familiales<\/strong><\/li><\/ul>\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-e27c3af elementor-widget elementor-widget-text-editor\" data-id=\"e27c3af\" data-element_type=\"widget\" data-e-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\t\t<p>Les dossiers publics sont des marques n\u00e9gatives sur votre cr\u00e9dit et peuvent consid\u00e9rablement r\u00e9duire votre cote de cr\u00e9dit. Ils restent g\u00e9n\u00e9ralement sur votre dossier pendant six ans ou plus, selon le type de dossier public, l&rsquo;agence d&rsquo;\u00e9valuation du cr\u00e9dit et la province de d\u00e9claration. <\/p><p>Cette section vise \u00e0 fournir aux pr\u00eateurs des informations compl\u00e9mentaires sur les actions que vous avez engag\u00e9es ou qui ont \u00e9t\u00e9 intent\u00e9es contre vous. Les pr\u00eateurs consid\u00e8rent les documents publics comme un facteur de risque majeur, car ils indiquent des difficult\u00e9s financi\u00e8res. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-289a6c9 e-con-full e-flex e-con e-child\" data-id=\"289a6c9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fe6bb5 elementor-widget elementor-widget-heading\" data-id=\"4fe6bb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Demandes\nde cr\u00e9dit <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-000274c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"000274c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f65c837 elementor-widget elementor-widget-text-editor\" data-id=\"f65c837\" data-element_type=\"widget\" data-e-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\t\t<p>Une enqu\u00eate de solvabilit\u00e9 est effectu\u00e9e lorsque vous ou un pr\u00eateur potentiel demandez votre rapport de solvabilit\u00e9. Il existe deux types de demandes : <\/p><ul><li><strong>Demandes de renseignements s\u00e9rieuses : <\/strong>elles surviennent lorsque vous demandez un nouveau pr\u00eat, une carte de cr\u00e9dit ou un pr\u00eat hypoth\u00e9caire. Elles peuvent l\u00e9g\u00e8rement abaisser votre cote de cr\u00e9dit pendant un certain temps, surtout si les demandes sont nombreuses. <\/li><li><strong>Enqu\u00eates informelles : <\/strong>Ces enqu\u00eates ont lieu lorsqu&rsquo;un pr\u00eateur ou son mandataire (comme une agence de recouvrement) v\u00e9rifie votre solvabilit\u00e9 par rapport \u00e0 une relation de cr\u00e9dit existante. Elles n&rsquo;affectent pas votre cote de cr\u00e9dit. <\/li><\/ul>\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-a50ecca elementor-widget elementor-widget-text-editor\" data-id=\"a50ecca\" data-element_type=\"widget\" data-e-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\t\t<p>Les demandes de renseignements sur votre solvabilit\u00e9 indiquent la fr\u00e9quence \u00e0 laquelle votre dossier est v\u00e9rifi\u00e9. Un nombre trop \u00e9lev\u00e9 de demandes sur une courte p\u00e9riode peut indiquer un risque accru pour les pr\u00eateurs, car cela pourrait indiquer une instabilit\u00e9 financi\u00e8re. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cffd03c e-con-full e-flex e-con e-child\" data-id=\"cffd03c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dce2ab3 elementor-widget elementor-widget-heading\" data-id=\"dce2ab3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cote de cr\u00e9dit <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e68f41 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1e68f41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-927ee4a elementor-widget elementor-widget-text-editor\" data-id=\"927ee4a\" data-element_type=\"widget\" data-e-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\t\t<p>Votre pointage de cr\u00e9dit est une valeur num\u00e9rique bas\u00e9e sur les informations de votre dossier de cr\u00e9dit. Il varie de 1 \u00e0 900 (selon l&rsquo;agence d&rsquo;\u00e9valuation du cr\u00e9dit consult\u00e9e). Plus votre pointage est \u00e9lev\u00e9, plus vous avez de chances d&rsquo;obtenir un cr\u00e9dit \u00e0 des conditions avantageuses.  <\/p><p><strong>Plages de cotes de cr\u00e9dit : <\/strong><\/p><ul><li><strong>1\u2013500 :<\/strong> Mauvais <\/li><li><strong>501\u2013669 : <\/strong>Passable <\/li><li><strong>670\u2013739 : <\/strong>Bon <\/li><li><strong>740\u2013799 : <\/strong>Tr\u00e8s bon <\/li><li><strong>800\u2013900 : <\/strong>Excellent <\/li><\/ul>\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-d4ca60b elementor-widget elementor-widget-text-editor\" data-id=\"d4ca60b\" data-element_type=\"widget\" data-e-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\t\t<p>Ce pointage est utilis\u00e9 par les pr\u00eateurs pour d\u00e9terminer la probabilit\u00e9 que vous remboursiez votre emprunt. Un pointage \u00e9lev\u00e9 signifie g\u00e9n\u00e9ralement un risque moindre pour les pr\u00eateurs, ce qui se traduit par de meilleurs taux d&rsquo;int\u00e9r\u00eat et des conditions de pr\u00eat plus avantageuses. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2410175 e-con-full e-flex e-con e-parent\" data-id=\"2410175\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7163156 e-con-full e-flex e-con e-child\" data-id=\"7163156\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22bbf9a elementor-widget elementor-widget-image\" data-id=\"22bbf9a\" data-element_type=\"widget\" data-e-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 decoding=\"async\" width=\"800\" height=\"775\" src=\"https:\/\/tcr-staging.tcr.ca\/wp-content\/uploads\/2025\/03\/need-more-info-_2x-1024x992.webp\" class=\"attachment-large size-large wp-image-1776\" alt=\"\" srcset=\"https:\/\/tcr-staging.tcr.ca\/wp-content\/uploads\/2025\/03\/need-more-info-_2x-1024x992.webp 1024w, https:\/\/tcr-staging.tcr.ca\/wp-content\/uploads\/2025\/03\/need-more-info-_2x-300x291.webp 300w, https:\/\/tcr-staging.tcr.ca\/wp-content\/uploads\/2025\/03\/need-more-info-_2x-768x744.webp 768w, https:\/\/tcr-staging.tcr.ca\/wp-content\/uploads\/2025\/03\/need-more-info-_2x-600x581.webp 600w, https:\/\/tcr-staging.tcr.ca\/wp-content\/uploads\/2025\/03\/need-more-info-_2x.webp 1096w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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>\n\t\t<div class=\"elementor-element elementor-element-d880a93 e-con-full e-flex e-con e-child\" data-id=\"d880a93\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6e8af4 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"b6e8af4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Besoin de plus d'informations ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2fe135 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f2fe135\" data-element_type=\"widget\" data-e-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\t\t<p>Votre dossier de cr\u00e9dit est un outil essentiel qui influence de nombreux aspects de votre vie personnelle et financi\u00e8re. En comprenant les donn\u00e9es qu&rsquo;il contient et en g\u00e9rant activement votre comportement en mati\u00e8re de cr\u00e9dit, vous pouvez am\u00e9liorer votre cote de cr\u00e9dit et prendre de meilleures d\u00e9cisions financi\u00e8res. Consulter r\u00e9guli\u00e8rement votre dossier de cr\u00e9dit, maintenir de bonnes habitudes de cr\u00e9dit et r\u00e9gler rapidement les probl\u00e8mes sont des \u00e9tapes cl\u00e9s pour assurer votre bien-\u00eatre financier.  <\/p><p>Pour plus d&rsquo;informations ou pour obtenir une copie de votre rapport de solvabilit\u00e9, visitez les sites Web officiels des deux principaux bureaux de cr\u00e9dit :<\/p>\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-25a1495 elementor-widget__width-initial elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"25a1495\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.transunion.ca\/fr\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">TransUnion<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-45e4bfd elementor-widget__width-initial elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"45e4bfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.equifax.ca\/fr\/personnel\/produits\/dossier-de-cr%C3%A9dit-de-consommateur\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Equifax<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0bb49e0 e-con-full e-flex e-con e-parent\" data-id=\"0bb49e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1fcfc2 elementor-widget elementor-widget-template\" data-id=\"e1fcfc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"1414\" class=\"elementor elementor-1414 elementor-586 elementor-586\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54cca10e e-con-full e-flex e-con e-parent\" data-id=\"54cca10e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4a6e2f93 e-con-full e-flex e-con e-child\" data-id=\"4a6e2f93\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f162a16 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"5f162a16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Besoin de parler \u00e0 quelqu'un imm\u00e9diatement ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f249779 elementor-widget elementor-widget-text-editor\" data-id=\"7f249779\" data-element_type=\"widget\" data-e-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\t\t<p><span style=\"color: #233f68;\">Envoyez un courriel \u00e0 <span style=\"text-decoration: underline;\"><a style=\"color: #233f68; text-decoration: underline;\" href=\"mailto:inquiries@tcr.ca\">inquiries@tcr.ca <\/a><\/span>ou appelez le <span style=\"text-decoration: underline;\"><a style=\"color: #233f68; text-decoration: underline;\" href=\"tel:1-800-267-2482\">+1-800-267-2482<\/a><\/span><\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Comprendre votre rapport de cr\u00e9dit Votre rapport de solvabilit\u00e9 (\u00ab rapport de cr\u00e9dit \u00bb) est un document d\u00e9taill\u00e9 contenant des informations importantes sur votre historique financier. Ces informations sont utilis\u00e9es par les pr\u00eateurs, les soci\u00e9t\u00e9s \u00e9mettrices de cartes de cr\u00e9dit, les propri\u00e9taires, les bailleurs de fonds automobiles et autres organismes de cr\u00e9dit pour \u00e9valuer votre [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":1255,"parent":0,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-1371","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comprendre votre cr\u00e9dit - Total Credit Recovery<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comprendre votre cr\u00e9dit - Total Credit Recovery\" \/>\n<meta property=\"og:description\" content=\"Comprendre votre rapport de cr\u00e9dit Votre rapport de solvabilit\u00e9 (\u00ab rapport de cr\u00e9dit \u00bb) est un document d\u00e9taill\u00e9 contenant des informations importantes sur votre historique financier. 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