{"id":598,"date":"2016-10-24T14:44:21","date_gmt":"2016-10-24T18:44:21","guid":{"rendered":"http:\/\/simon.wps.dev\/fr\/understanding-your-credit-report\/"},"modified":"2017-01-14T22:48:42","modified_gmt":"2017-01-15T03:48:42","slug":"understanding-your-credit-report","status":"publish","type":"page","link":"https:\/\/ozamortgage.com\/fr\/home-purchase\/understanding-your-credit-report\/","title":{"rendered":"Comprendre Votre Rapport De Cr\u00e9dit"},"content":{"rendered":"<blockquote><p>VOTRE COTE DE CR\u00c9DIT INFLUENCE CHAQUE ASPECT DE VOS ACTIVIT\u00c9S FINANCI\u00c8RES LORSQUE VIENT LE TEMPS D\u2019EMPRUNTER. ELLE PEUT AUSSI INFLUENCER LE TYPE D\u2019EMPLOI QUE VOUS OBTIENDREZ, D\u2019APPARTEMENT QUE VOUS LOUEREZ, ET PEUT AUSSI INFLUENCER VOTRE CAPACIT\u00c9 \u00c0 OUVRIR UN COMPTE EN BANQUE.<\/p><\/blockquote>\n<div class=\"videoWrapper\">\n<iframe width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/wItZ5CZMnJI?rel=0\" frameborder=\"0\" allowfullscreen><\/iframe>\n<\/div>\n<p>Le rapport de cr\u00e9dit en lui-m\u00eame n\u2019est qu\u2019une liste de votre hypoth\u00e8que et de votre dette de consommateur. En ce moment, au Canada, les deux agences d\u2019\u00e9valuation du cr\u00e9dit principales sont Trans Union et Equifax. Chaque agence poss\u00e8de l\u2019historique du cr\u00e9dit de toute personne ayant emprunt\u00e9 de l\u2019argent.<\/p>\n<p>Chaque fois que vous faites un emprunt, le paiement d\u2019un pr\u00eat ou d\u2019une carte de cr\u00e9dit, le pr\u00eateur transmet l\u2019information \u00e0 propos de la transaction aux deux agences. En sus, sur votre rapport de cr\u00e9dit, vous trouverez tout lien et tout jugement rendu, votre adresse et votre historique d\u2019emploi. L\u2019accumulation de cette information est appel\u00e9e votre rapport de cr\u00e9dit.<\/p>\n<p>L\u2019information sur votre rapport de cr\u00e9dit varie selon vos cr\u00e9diteurs et ce qu\u2019ils ont not\u00e9 sur vous. Les pr\u00eateurs potentiels et autres, comme les employeurs, voient votre historique de cr\u00e9dit comme une r\u00e9flexion de votre caract\u00e8re. Que nous l\u2019appr\u00e9ciions ou non, nos habitudes financi\u00e8res en disent long sur la mani\u00e8re dont nous choisissons de vivre.<\/p>\n<p>La cote de cr\u00e9dit, ou la cote de cr\u00e9dit Beacon, est un nombre qui permet aux pr\u00eateurs d\u2019\u00e9valuer votre risque associ\u00e9 au cr\u00e9dit. La cote de cr\u00e9dit est \u00e9valu\u00e9e entre 300 et 900, o\u00f9 le plus haut nombre est le meilleur. Cette cote de cr\u00e9dit d\u00e9termine souvent de quels produits hypoth\u00e9caires et de quel taux d\u2019int\u00e9r\u00eat vous pourrez profiter.<\/p>\n<p>Plusieurs personnes ignorent que vous pouvez acc\u00e9der en toute l\u00e9galit\u00e9 \u00e0 une copie de votre rapport de cr\u00e9dit. Un professionnel de l\u2019hypoth\u00e8que peut vous aider \u00e0 obtenir cette copie et \u00e0 v\u00e9rifier que l\u2019information contenue est v\u00e9ridique et correcte.<\/p>\n<p>La bonne nouvelle est que votre rapport de cr\u00e9dit est un document \u00e9volutif. Vous avez donc la capacit\u00e9 de r\u00e9parer votre cr\u00e9dit et d\u2019augmenter votre cote de cr\u00e9dit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avec l\u2019abondance de cr\u00e9dit dans notre soci\u00e9t\u00e9 actuelle, votre rapport de cr\u00e9dit, et de ce fait, votre cote, est devenu plus important dans votre vie quotidienne.<\/p>\n","protected":false},"author":1,"featured_media":523,"parent":628,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ozamortgage.com\/fr\/home-purchase\/understanding-your-credit-report\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comprendre Votre Rapport De Cr\u00e9dit - 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