{"id":2808,"date":"2025-03-20T15:06:40","date_gmt":"2025-03-20T19:06:40","guid":{"rendered":"https:\/\/newrmr.wpengine.com\/?p=2808"},"modified":"2026-02-06T05:00:33","modified_gmt":"2026-02-06T10:00:33","slug":"la-cote-de-credit","status":"publish","type":"post","link":"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-cote-de-credit\/","title":{"rendered":"La cote de cr\u00e9dit: explications et conseils"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2808\" class=\"elementor elementor-2808\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-636fce1 e-flex e-con-boxed e-con e-parent\" data-id=\"636fce1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7bd4425 e-con-full e-flex e-con e-child\" data-id=\"7bd4425\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2352427 elementor-widget elementor-widget-heading\" data-id=\"2352427\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Avez-vous d\u00e9j\u00e0 sollicit\u00e9 une institution financi\u00e8re pour emprunter de l\u2019argent? Si la r\u00e9ponse est positive, alors sachez que vous d\u00e9tenez un dossier de cr\u00e9dit faisant non seulement \u00e9tat de votre sant\u00e9 financi\u00e8re, mais stipulant \u00e9galement si vous \u00eates un bon payeur ou non. En d\u2019autres termes, une note appel\u00e9e la \u00ab cote de cr\u00e9dit \u00bb est associ\u00e9e \u00e0 ce dossier. Mais, comment analyser cette derni\u00e8re? Quelles peuvent \u00eatre les r\u00e9percussions de cette cote sur votre vie quotidienne?<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34f8bed elementor-widget elementor-widget-heading\" data-id=\"34f8bed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">La cote de cr\u00e9dit: son interpr\u00e9tation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de3e3cf elementor-widget elementor-widget-text-editor\" data-id=\"de3e3cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Votre cote de cr\u00e9dit est \u00e9tablie par les pr\u00eateurs que vous avez sollicit\u00e9s au cours des derni\u00e8res ann\u00e9es. En effet, apr\u00e8s avoir \u00e9valu\u00e9 votre solvabilit\u00e9 (c\u2019est-\u00e0-dire votre capacit\u00e9 \u00e0 rembourser vos dettes) ainsi que vos ant\u00e9c\u00e9dents en mati\u00e8re de cr\u00e9dit (historique de paiements, nombre de demandes de cr\u00e9dit, etc.), ces pr\u00eateurs transmettent ces informations aux agences d\u2019\u00e9valuation du cr\u00e9dit, telles que <span style=\"text-decoration: underline;\"><strong><a href=\"http:\/\/www.consumer.equifax.ca\/home\/en_ca\">Equifax<\/a><\/strong><\/span> ou <a href=\"https:\/\/www.transunion.ca\/\"><span style=\"text-decoration: underline;\"><strong>TransUnion<\/strong><\/span>,<\/a> qui les centralisent et les analysent.<\/p><p>De l\u00e0, une cote de cr\u00e9dit vous est attribu\u00e9e. Celle-ci permet aux futurs pr\u00eateurs de juger de votre fiabilit\u00e9 financi\u00e8re. Plus pr\u00e9cis\u00e9ment, un code compos\u00e9 d\u2019une lettre et d\u2019un chiffre permet de r\u00e9sumer votre comportement de cr\u00e9dit pour chaque compte.<\/p>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ed07380 e-flex e-con-boxed e-con e-parent\" data-id=\"ed07380\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15a08eb elementor-widget elementor-widget-html\" data-id=\"15a08eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!DOCTYPE html>\n<html lang=\"fr\">\n<head>\n  <meta charset=\"UTF-8\">\n  <title>Tableaux de cote de cr\u00e9dit<\/title>\n  <!-- Import Google Font Poppins -->\n  <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;600&display=swap\" rel=\"stylesheet\">\n  <style>\n    body {\n      font-family: 'Poppins', sans-serif;\n      margin: 0; \/* Plus de marge globale *\/\n      background-color: transparent;\n    }\n    h2 {\n      background-color: #e0e0e0;\n      padding: 10px;\n      border-radius: 5px;\n      font-weight: 600;\n      margin-top: 20px;\n    }\n    table {\n      width: 100%;\n      border-collapse: collapse;\n      margin-bottom: 30px;\n      background-color: #fff;\n      box-shadow: 0 2px 4px rgba(0,0,0,0.05);\n    }\n    th, td {\n      border: 1px solid #ccc;\n      padding: 12px;\n      text-align: left;\n      font-weight: 400;\n    }\n    th {\n      background-color: #f2f2f2;\n      font-weight: 600;\n    }\n  <\/style>\n<\/head>\n<body>\n\n  <h2>\ud83d\udd20 Lettres \u2013 Type de cr\u00e9dit<\/h2>\n  <table>\n    <thead>\n      <tr>\n        <th>Lettre<\/th>\n        <th>Type de cr\u00e9dit<\/th>\n        <th>Exemple<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr><td>I<\/td><td>Cr\u00e9dit \u00e0 temp\u00e9rament<\/td><td>Pr\u00eat auto, pr\u00eat personnel<\/td><\/tr>\n      <tr><td>O<\/td><td>Cr\u00e9dit ouvert<\/td><td>Marge de cr\u00e9dit, compte cellulaire<\/td><\/tr>\n      <tr><td>R<\/td><td>Cr\u00e9dit renouvelable<\/td><td>Carte de cr\u00e9dit<\/td><\/tr>\n      <tr><td>M<\/td><td>Hypoth\u00e8que<\/td><td>Pr\u00eat hypoth\u00e9caire<\/td><\/tr>\n      <tr><td>C<\/td><td>Marge de cr\u00e9dit<\/td><td>Cr\u00e9dit personnel ou commercial<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n\n  <h2>\ud83d\udd22 Chiffres \u2013 Comportement de paiement<\/h2>\n  <table>\n    <thead>\n      <tr>\n        <th>Chiffre<\/th>\n        <th>Signification<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr><td>1<\/td><td>Paiements effectu\u00e9s \u00e0 temps (excellent dossier)<\/td><\/tr>\n      <tr><td>2<\/td><td>Retard de paiement de 30 jours<\/td><\/tr>\n      <tr><td>3<\/td><td>Retard de paiement de 60 jours<\/td><\/tr>\n      <tr><td>4<\/td><td>Retard de paiement de 90 jours<\/td><\/tr>\n      <tr><td>5<\/td><td>Compte en souffrance grave<\/td><\/tr>\n      <tr><td>6<\/td><td>Compte en recouvrement ou transf\u00e9r\u00e9<\/td><\/tr>\n      <tr><td>7<\/td><td>Entente sp\u00e9ciale (consolidation, proposition, etc.)<\/td><\/tr>\n      <tr><td>8<\/td><td>Reprise de bien (ex. : v\u00e9hicule saisi)<\/td><\/tr>\n      <tr><td>9<\/td><td>Dette irr\u00e9couvrable ou en recouvrement<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n\n  <h2>\ud83e\uddfe Exemples de codes et leur signification<\/h2>\n  <table>\n    <thead>\n      <tr>\n        <th>Code<\/th>\n        <th>Signification<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr><td>R1<\/td><td>Carte de cr\u00e9dit utilis\u00e9e avec paiements toujours effectu\u00e9s \u00e0 temps<\/td><\/tr>\n      <tr><td>I4<\/td><td>Pr\u00eat auto avec 90 jours de retard de paiement<\/td><\/tr>\n      <tr><td>O2<\/td><td>Marge de cr\u00e9dit ou cellulaire avec 30 jours de retard<\/td><\/tr>\n      <tr><td>M1<\/td><td>Hypoth\u00e8que avec paiements effectu\u00e9s \u00e0 temps<\/td><\/tr>\n      <tr><td>C7<\/td><td>Marge de cr\u00e9dit sous entente sp\u00e9ciale (consolidation ou proposition)<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a36dc94 e-flex e-con-boxed e-con e-parent\" data-id=\"a36dc94\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b6f4f7 elementor-widget elementor-widget-heading\" data-id=\"7b6f4f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Calculez votre ratio d'endettement<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f0d440 elementor-widget elementor-widget-text-editor\" data-id=\"2f0d440\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Votre ratio d&rsquo;endettement sera pris en compte pour votre cote de cr\u00e9dit. Ne perdez pas de temps! Calculez-le d\u00e8s maintenant en utilisant certains outils comme un <span style=\"text-decoration: underline;\"><a href=\"https:\/\/bagel.staging.agencealto.ca\/bagel\/outils\/ratio-endettement\/\"><strong>calculateur de ratio d&rsquo;endettement<\/strong><\/a>.<\/span><\/p><p><strong><a href=\"https:\/\/bagel.staging.agencealto.ca\/bagel\/le-ratio-dendettement\/\"><span style=\"text-decoration: underline;\">Apprenez-en plus sur le ratio d\u2019endettement en lisant notre article.<\/span><\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8c3824 elementor-widget elementor-widget-heading\" data-id=\"c8c3824\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Communiquez avec nos conseillers RMR\u00a0pour discuter de votre situation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29391d5 elementor-widget elementor-widget-text-editor\" data-id=\"29391d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 style=\"text-align: left;\">\u00a0<\/h2><p style=\"text-align: left;\"><div class='_form_37'><\/div><script type='text\/javascript' src='https:\/\/roymetivierroberge.activehosted.com\/f\/embed.php?static=0&#038;id=37&#038;69F4BEA7B4FCC&#038;nostyles=0&#038;preview=0'><\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\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>Avez-vous d\u00e9j\u00e0 sollicit\u00e9 une institution financi\u00e8re pour emprunter de l\u2019argent? Si la r\u00e9ponse est positive, alors sachez que vous d\u00e9tenez un dossier de cr\u00e9dit faisant non seulement \u00e9tat de votre sant\u00e9 financi\u00e8re, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":17773,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[182,25],"tags":[60,42,43,61],"class_list":["post-2808","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cote-de-credit","category-finances-personnelles","tag-consommation","tag-cote-de-credit","tag-dossier-de-credit","tag-surconsommation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>La cote de cr\u00e9dit: explications et conseils - Roy M\u00e9tivier Roberge<\/title>\n<meta name=\"description\" content=\"La cote de cr\u00e9dit est \u00e9tablie par les pr\u00eateurs sollicit\u00e9s. Apr\u00e8s \u00e9valuation de votre solvabilit\u00e9. Comment analyser cette derni\u00e8re? Quelles peuvent \u00eatre les r\u00e9percussions de cette cote sur votre vie quotidienne?\" \/>\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_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La cote de cr\u00e9dit - Roy M\u00e9tivier Roberge\" \/>\n<meta property=\"og:description\" content=\"La cote de cr\u00e9dit est \u00e9tablie par les pr\u00eateurs sollicit\u00e9s. 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