{"id":28697,"date":"2023-04-14T02:10:30","date_gmt":"2023-04-14T02:10:30","guid":{"rendered":"https:\/\/seb-admin.com\/2023\/04\/14\/5-steps-to-improve-your-credit-score\/"},"modified":"2025-11-06T17:04:50","modified_gmt":"2025-11-06T17:04:50","slug":"5-steps-to-improve-your-credit-score","status":"publish","type":"post","link":"https:\/\/seb-admin.com\/fr-ca\/2023\/04\/14\/5-steps-to-improve-your-credit-score\/","title":{"rendered":"Cinq \u00e9tapes pour am\u00e9liorer votre cote de cr\u00e9dit"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"28697\" class=\"elementor elementor-28697 elementor-14950\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\" elementor-section elementor-top-section elementor-element elementor-element-73e82499 elementor-section-boxed elementor-section-height-default elementor-section-height-default smart-sticky-default\" data-id=\"73e82499\" data-element_type=\"section\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-42424cd5 \" data-id=\"42424cd5\" data-element_type=\"column\">\r\n\r\n\t\t\t\t\r\n\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-223378cd elementor-widget elementor-widget-text-editor\" data-id=\"223378cd\" 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\t\t<p class=\"SEB-blog-date\"><strong><i class=\"fas fa-calendar\"><\/i> April 14, 2023<\/strong><\/p><p><em>\u00c9crivaine \u2013 Zeynep Ertas, SEB Marketing team<\/em><\/p><p>Votre cote de cr\u00e9dit est une donn\u00e9e essentielle dont tiennent compte les pr\u00eateurs lorsqu\u2019ils d\u00e9terminent s\u2019ils peuvent approuver votre demande de financement et quel taux d\u2019int\u00e9r\u00eat appliquer. Une bonne cote de cr\u00e9dit peut vous aider \u00e0 conclure une entente plus avantageuse quand vous demandez un pr\u00eat hypoth\u00e9caire, un pr\u00eat automobile ou une carte de cr\u00e9dit. En revanche, une mauvaise cote de cr\u00e9dit peut limiter vos possibilit\u00e9s d\u2019emprunt et vous assujettir \u00e0 des taux d\u2019int\u00e9r\u00eat et \u00e0 des frais plus \u00e9lev\u00e9s.<\/p><p>En quoi consiste donc une bonne cote de cr\u00e9dit? Au Canada, les cotes de cr\u00e9dit varient de 300 \u00e0 900\u00a0: plus la valeur est \u00e9lev\u00e9e, plus la solvabilit\u00e9 est grande. Vous pouvez v\u00e9rifier votre cote de cr\u00e9dit de diff\u00e9rentes fa\u00e7ons, notamment en communiquant avec l\u2019une des deux principales agences d\u2019\u00e9valuation du cr\u00e9dit, TransUnion et Equifax. Chacune d\u2019elles est tenue par la loi de vous fournir une copie de votre rapport de solvabilit\u00e9 annuellement (sur demande). Une cote de cr\u00e9dit de 650 ou plus est g\u00e9n\u00e9ralement consid\u00e9r\u00e9e comme bonne, tandis qu\u2019une cote de 750 ou plus est jug\u00e9e excellente. Il se peut toutefois que les exigences en mati\u00e8re de cote de cr\u00e9dit diff\u00e8rent d\u2019un pr\u00eateur \u00e0 l\u2019autre, selon le type de produit de cr\u00e9dit dont vous faites la demande.<\/p><p>Heureusement, il y a des moyens d\u2019am\u00e9liorer votre cote de cr\u00e9dit. Voici cinq \u00e9tapes \u00e0 suivre\u00a0:<\/p><div class=\"blog-post-list SEB-custom-list-items\"><ol type=\"1\"><li><strong>Surveillez votre historique de paiement<\/strong><br \/>Votre historique de paiement est la composante la plus importante de votre cote de cr\u00e9dit. Un paiement vers\u00e9 en retard ou un compte en souffrance peuvent r\u00e9duire consid\u00e9rablement votre cote de cr\u00e9dit. Il est donc crucial d\u2019effectuer tous vos paiements \u00e0 temps, chaque fois. S\u2019il vous est difficile d\u2019y arriver, communiquez avec vos cr\u00e9anciers pour conclure d\u2019autres ententes de paiement.<\/li><li><strong>Servez-vous du cr\u00e9dit judicieusement<\/strong><br \/>Vous servir du cr\u00e9dit de mani\u00e8re responsable peut vous aider \u00e0 obtenir et \u00e0 maintenir une bonne cote de cr\u00e9dit. Faites en sorte que vos achats \u00e0 cr\u00e9dit ne d\u00e9passent pas le montant que vous pouvez rembourser et gardez des soldes peu \u00e9lev\u00e9s. Id\u00e9alement, vous ne devriez pas utiliser plus de 30\u00a0% de votre limite de cr\u00e9dit disponible. Si vous avez plusieurs cartes de cr\u00e9dit, essayez de r\u00e9partir vos d\u00e9penses au lieu d\u2019utiliser une seule carte \u00e0 l\u2019exc\u00e8s.<\/li><li><strong>Allongez la dur\u00e9e de votre historique de cr\u00e9dit<\/strong><br \/>La dur\u00e9e de votre historique de cr\u00e9dit est une autre composante importante de votre cote de cr\u00e9dit. Les pr\u00eateurs pr\u00e9f\u00e8rent les emprunteurs ayant un historique de cr\u00e9dit long et stable. Il est donc essentiel de garder vos comptes de cr\u00e9dit les plus anciens ouverts et actifs, m\u00eame si vous ne les utilisez pas r\u00e9guli\u00e8rement. Si votre cr\u00e9dit est r\u00e9cent, songez \u00e0 demander une carte de cr\u00e9dit avec garantie ou \u00e0 devenir un utilisateur autoris\u00e9 de la carte de cr\u00e9dit d\u2019une autre personne afin de b\u00e2tir votre historique de cr\u00e9dit.<\/li><li><strong>Limitez votre nombre de demandes de cr\u00e9dit ou de v\u00e9rifications du cr\u00e9dit<\/strong><br \/>Chaque fois que vous soumettez une demande de cr\u00e9dit, le pr\u00eateur effectue une v\u00e9rification du cr\u00e9dit, ce qui peut r\u00e9duire l\u00e9g\u00e8rement votre cote de cr\u00e9dit. Il est donc important de limiter le nombre de demandes de cr\u00e9dit que vous faites. Soumettez une demande seulement quand vous avez besoin du cr\u00e9dit et assurez-vous au pr\u00e9alable de remplir les crit\u00e8res d\u2019admissibilit\u00e9 du pr\u00eateur. \u00c9vitez aussi de demander plusieurs produits de cr\u00e9dit sur une courte p\u00e9riode; on pourrait croire que vous tentez d\u00e9sesp\u00e9r\u00e9ment d\u2019obtenir du cr\u00e9dit, et cela pourrait faire baisser votre cote.<\/li><li><strong>Recourez \u00e0 diff\u00e9rents types de cr\u00e9dit<\/strong><br \/>Recourir \u00e0 un \u00e9ventail de produits de cr\u00e9dit peut vous aider \u00e0 b\u00e2tir un historique de cr\u00e9dit diversifi\u00e9 et \u00e0 am\u00e9liorer votre cote de cr\u00e9dit. Par exemple, si vous avez seulement des cartes de cr\u00e9dit, songez \u00e0 demander un pr\u00eat personnel ou un pr\u00eat automobile. \u00c9vitez toutefois de demander du cr\u00e9dit dont vous n\u2019avez pas besoin ou que vous n\u2019\u00eates pas en mesure de rembourser, car cela pourrait nuire \u00e0 votre cote de cr\u00e9dit.<\/li><\/ol><p>Am\u00e9liorer votre cote de cr\u00e9dit peut prendre du temps et de la patience, mais cela en vaut la peine. En suivant ces cinq \u00e9tapes, vous prendrez en main votre cr\u00e9dit et am\u00e9liorerez votre bien-\u00eatre financier. N\u2019oubliez pas de v\u00e9rifier votre rapport de solvabilit\u00e9 r\u00e9guli\u00e8rement et de contester toute erreur ou inexactitude qui s\u2019y trouverait, le cas \u00e9ch\u00e9ant. Une petite dose d\u2019effort et de discipline vous aidera \u00e0 obtenir une meilleure cote de cr\u00e9dit et vous donnera acc\u00e8s \u00e0 de nouvelles possibilit\u00e9s d\u2019emprunt et de financement.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t<\/section>\r\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Votre cote de cr\u00e9dit est une donn\u00e9e essentielle dont tiennent compte les pr\u00eateurs lorsqu\u2019ils d\u00e9terminent s\u2019ils peuvent approuver votre demande de financement et quel taux d\u2019int\u00e9r\u00eat appliquer. Une bonne cote de cr\u00e9dit peut vous aider \u00e0 conclure une entente plus avantageuse quand vous demandez un\u2026<\/p>\n","protected":false},"author":1,"featured_media":25100,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[55],"tags":[],"class_list":["post-28697","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-fr-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cinq \u00e9tapes pour am\u00e9liorer votre cote de cr\u00e9dit - SEB<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/seb-admin.com\/fr-ca\/2023\/04\/14\/5-steps-to-improve-your-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cinq \u00e9tapes pour am\u00e9liorer votre cote de cr\u00e9dit - SEB\" \/>\n<meta property=\"og:description\" content=\"Votre cote de cr\u00e9dit est une donn\u00e9e essentielle dont tiennent compte les pr\u00eateurs lorsqu\u2019ils d\u00e9terminent s\u2019ils peuvent approuver votre demande de financement et quel taux d\u2019int\u00e9r\u00eat appliquer. 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