{"id":3931,"date":"2022-05-19T11:13:24","date_gmt":"2022-05-19T15:13:24","guid":{"rendered":"http:\/\/digital-coat.flywheelsites.com\/?p=3931"},"modified":"2026-02-06T09:30:39","modified_gmt":"2026-02-06T14:30:39","slug":"effets-reports-paiements-credit","status":"publish","type":"post","link":"https:\/\/bagel.staging.agencealto.ca\/bagel\/effets-reports-paiements-credit\/","title":{"rendered":"Est-ce que retarder des paiements affecte votre cote de cr\u00e9dit\u00a0?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3931\" class=\"elementor elementor-3931\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7cdf4a35 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7cdf4a35\" data-element_type=\"section\" data-e-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-8b35dac\" data-id=\"8b35dac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64caff8 elementor-widget elementor-widget-text-editor\" data-id=\"64caff8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Habituellement, votre cote de cr\u00e9dit est affect\u00e9e lorsque vous accumulez du retard dans vos paiements. Si vous avez un mauvais dossier de cr\u00e9dit, cela posera probl\u00e8me lorsque vous voudrez emprunter \u00e0 nouveau. En effet, les int\u00e9r\u00eats seront plus \u00e9lev\u00e9s et la banque peut refuser de vous octroyer un pr\u00eat.<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67cad9a0 elementor-widget elementor-widget-text-editor\" data-id=\"67cad9a0\" 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><strong>Durant la pand\u00e9mie de COVID-19, la plupart des banques et les deux paliers de gouvernements avaient assoupli \u00e9norm\u00e9ment (pour ne pas dire cesser) leurs demandes de recouvrement. De plus, les banques\u00a0avaient promis que les reports de paiement accord\u00e9s en raison de la COVID-19 n\u2019affecteraient pas le dossier de cr\u00e9dit des clients.<\/strong><\/p><p><strong>Depuis janvier 2022, chez les institutions bancaires et les gouvernements, les assouplissements ont cess\u00e9 et les demandes de remboursement sont\u00a0\u00e0 nouveau demand\u00e9es.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\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-c6d57fc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c6d57fc\" data-element_type=\"section\" data-e-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-18c843b\" data-id=\"18c843b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-379f629 elementor-widget elementor-widget-heading\" data-id=\"379f629\" 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\">Durant la pand\u00e9mie...<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-789c514 elementor-widget elementor-widget-text-editor\" data-id=\"789c514\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div><p dir=\"auto\"><em><a style=\"font-size: 19px; background-color: #ffffff;\" href=\"https:\/\/www.lapresse.ca\/affaires\/economie\/2020-11-22\/le-cout-cache-des-reports-de-paiement.php\"><span style=\"text-decoration: underline;\">Dans un article du journal La Presse \u00e9crit par Mme ST\u00c9PHANIE GRAMMOND<\/span><\/a><\/em><\/p><p class=\"paragraph textModule textModule--type-paragraph hasFeaturedAuthor\"><em>Nous pouvions lire qu&rsquo;au 30 septembre 2020, 795 000 Canadiens avaient demand\u00e9 un report hypoth\u00e9caire, dont environ 117 000 Qu\u00e9b\u00e9cois (uniquement dans les six grandes banques). De plus, quelque 477 000 Canadiens ont demand\u00e9 un report pour une carte de cr\u00e9dit, un pr\u00eat auto, une marge, etc.<\/em><\/p><p class=\"paragraph textModule textModule--type-paragraph hasFeaturedAuthor\"><em>Contrairement \u00e0 ce qu\u2019on pourrait croire, tous ces reports sont bel et bien inscrits au dossier de cr\u00e9dit avec la lettre \u00ab\u00a0D\u00a0\u00bb pour \u00ab\u00a0deferral\u00a0\u00bb\u00a0chez TransUnion ou encore avec la mention \u00ab\u00a0diff\u00e9r\u00e9 en raison d\u2019une catastrophe naturelle\u00a0\u00bb chez Equifax, qui pr\u00e9cise que l\u2019information laissera une trace durant six ans.<\/em><\/p><p class=\"paragraph textModule textModule--type-paragraph hasFeaturedAuthor\"><em>Comme il ne s\u2019agit pas de retards, ces inscriptions n\u2019ont pas d\u2019impact n\u00e9gatif sur le pointage de cr\u00e9dit, m\u2019ont certifi\u00e9 les deux agences. Malgr\u00e9 tout, un report de paiement peut lever un drapeau jaune dans l\u2019esprit des pr\u00eateurs qui ne se fient pas uniquement au pointage de cr\u00e9dit avant d\u2019accorder ou de refuser un pr\u00eat.<\/em><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\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-1ad1d88 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ad1d88\" data-element_type=\"section\" data-e-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-49c2695\" data-id=\"49c2695\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88cb59c elementor-widget elementor-widget-heading\" data-id=\"88cb59c\" 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\">Impacts avec les agences de cote de cr\u00e9dits ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21a2e4e elementor-widget elementor-widget-text-editor\" data-id=\"21a2e4e\" 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>Equifax et TransUnion sont les deux agences au Qu\u00e9bec qui \u00e9tablissent votre cote de cr\u00e9dit. Pour calculer votre pointage, elles se basent sur votre parcours financier, les dettes que vous avez rembours\u00e9es, votre utilisation des cartes de cr\u00e9dit et d\u2019autres facteurs. Le moindre pr\u00eat est mentionn\u00e9, de m\u00eame que vos habitudes de remboursement qu\u2019elles soient bonnes ou mauvaises.<\/p><p>Si vous avez une entente avec votre banque, il n\u2019y aura aucun retard indiqu\u00e9 et votre cote de cr\u00e9dit ne sera pas impact\u00e9e. Il est aussi important de savoir que les ententes avec vos cr\u00e9anciers n&rsquo;appara\u00eetront pas tout de suite sur votre dossier de cr\u00e9dit. Les donn\u00e9es sont achemin\u00e9es une fois par mois \u00e0 \u00c9quifax et TransUnion et il faut compter plus de 90 jours pour qu\u2019elles soient inscrites \u00e0 votre dossier.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e51bb55 elementor-widget elementor-widget-heading\" data-id=\"e51bb55\" 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\">Faites une v\u00e9rification<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2eb098 elementor-widget elementor-widget-text-editor\" data-id=\"b2eb098\" 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>Il est possible d\u2019obtenir une copie de votre dossier de cr\u00e9dit gratuitement. Pour cela, il suffit de remplir le formulaire qui se trouve sur <span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.consumer.equifax.ca\/\"> Equifax.ca<\/a><\/span> ou <span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.transunion.ca\/\"> Transunion.ca<\/a>.<\/span> On vous enverra ensuite votre dossier par la poste. Certaines banques par exemple, Desjardins, offrent aussi ce service gratuitement sur leur site web.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4addd5e elementor-widget elementor-widget-heading\" data-id=\"4addd5e\" 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\">Soyez vigilant<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57fe45b elementor-widget elementor-widget-text-editor\" data-id=\"57fe45b\" 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>Si vous avez des inqui\u00e9tudes concernant vos dettes, vous devriez prendre quelques minute pour calculer votre ratio d&rsquo;endettement.\u00a0<span style=\"font-size: 19px; font-style: normal; font-weight: 300; color: var( --e-global-color-text );\">Cette donn\u00e9e est surtout importante lorsque vous faites une demande de pr\u00eat mais <strong>c<\/strong><\/span><strong><span style=\"font-size: 19px; color: var( --e-global-color-text );\">\u2019est aussi un bon indice pour savoir si vous devriez \u00eatre plus vigilant financi\u00e8rement ou si vous souffrez de surendettement.<\/span><\/strong><\/p><p><span style=\"font-size: 19px; font-weight: bold; color: var( --e-global-color-text );\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b589e50 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b589e50\" data-element_type=\"section\" data-e-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-50 elementor-inner-column elementor-element elementor-element-98b416c\" data-id=\"98b416c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf70ae6 elementor-widget elementor-widget-heading\" data-id=\"bf70ae6\" 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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b65e8be\" data-id=\"b65e8be\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c0f54b3 elementor-widget elementor-widget-button\" data-id=\"c0f54b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/bagel.staging.agencealto.ca\/bagel\/outils\/ratio-endettement\/\">\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\">Ratio d'endettement<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\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-4428615 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4428615\" data-element_type=\"section\" data-e-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-84e42b2\" data-id=\"84e42b2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bad272f elementor-widget elementor-widget-text-editor\" data-id=\"bad272f\" 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>\u00a0<\/p><h3>Besoin de conseils pour am\u00e9liorer votre situation financi\u00e8re? Prenez rendez-vous avec un conseiller de chez Roy M\u00e9tivier Roberge.<\/h3><p><div class='_form_37'><\/div><script type='text\/javascript' src='https:\/\/roymetivierroberge.activehosted.com\/f\/embed.php?static=0&#038;id=37&#038;69F34C1881D55&#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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Habituellement, votre cote de cr\u00e9dit est affect\u00e9e lorsque vous accumulez du retard dans vos paiements. Si vous avez un mauvais dossier de cr\u00e9dit, cela posera probl\u00e8me lorsque vous voudrez emprunter \u00e0 nouveau. [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":17729,"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],"tags":[65,62,39,43,64,150],"class_list":["post-3931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cote-de-credit","tag-budget","tag-credit","tag-dettes","tag-dossier-de-credit","tag-finances-personnelles","tag-syndics-de-faillite"],"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>Est-ce que retarder des paiements affecte votre cote de cr\u00e9dit\u00a0?<\/title>\n<meta name=\"description\" content=\"Habituellement, votre cote de cr\u00e9dit est affect\u00e9e lorsque vous accumulez du retard dans vos paiements. 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