{"id":3474,"date":"2022-06-04T16:14:00","date_gmt":"2022-06-04T20:14:00","guid":{"rendered":""},"modified":"2023-01-17T11:19:30","modified_gmt":"2023-01-17T16:19:30","slug":"quest-ce-quune-cote-de-solvabilite","status":"publish","type":"post","link":"https:\/\/staging.sigmaloyaltygroup.com\/fr\/non-classifiee\/quest-ce-quune-cote-de-solvabilite\/","title":{"rendered":"Qu\u2019est-ce qu\u2019une cote de solvabilit\u00e9?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3474\" class=\"elementor elementor-3474 elementor-1334\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-29c48b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"29c48b1\" 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-3964dd7\" data-id=\"3964dd7\" 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-bef8d12 elementor-widget elementor-widget-text-editor\" data-id=\"bef8d12\" 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\tLes Canadiens et les Canadiennes utilisent du cr\u00e9dit tous les jours. Il suffit de penser \u00e0 nos cartes de cr\u00e9dit, nos hypoth\u00e8ques, nos pr\u00eats automobiles ou nos pr\u00eats \u00e9tudiants. Ce sont tous des exemples de cr\u00e9dit. \u00c0 vrai dire, le cr\u00e9dit occupe une place importante dans notre vie. Pourtant, nous pensons rarement \u00e0 la cote qui se cache derri\u00e8re tout ce cr\u00e9dit. Qu\u2019est-ce qu\u2019une cote de solvabilit\u00e9? Comment est-elle calcul\u00e9e? Et comment cela affecte notre capacit\u00e9 \u00e0 emprunter de l\u2019argent?     \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-a6ca9b7 elementor-widget elementor-widget-text-editor\" data-id=\"a6ca9b7\" 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\tCe mois-ci, nous examinons de plus pr\u00e8s la cote de solvabilit\u00e9, ce chiffre \u00e0 trois chiffres qui a un impact consid\u00e9rable sur notre vie financi\u00e8re.\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-fdfea2b elementor-widget elementor-widget-heading\" data-id=\"fdfea2b\" 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\u2019est-ce qu\u2019une cote de solvabilit\u00e9?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9acc07 elementor-widget elementor-widget-text-editor\" data-id=\"e9acc07\" 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\tUne cote de solvabilit\u00e9 est un nombre calcul\u00e9 par les agences d\u2019\u00e9valuation du cr\u00e9dit, c\u2019est-\u00e0-dire Equifax ou TransUnion au Canada, et elle repr\u00e9sente votre degr\u00e9 de solvabilit\u00e9. Cette cote sert de donn\u00e9e aux pr\u00eateurs lorsqu\u2019ils veulent savoir si vous \u00eates un bon candidat ou une bonne candidate pour un pr\u00eat ou une carte de cr\u00e9dit. La cote varie de 300 \u00e0 900. Plus elle est \u00e9lev\u00e9e, plus il est probable que votre demande de cr\u00e9dit soit approuv\u00e9e. De plus, dans le cas d\u2019une demande de pr\u00eat, plus votre cote est \u00e9lev\u00e9e, plus le taux d\u2019int\u00e9r\u00eat sera bas et moins le pr\u00eat vous co\u00fbtera cher au fil du temps.   \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-7501b68 elementor-widget elementor-widget-text-editor\" data-id=\"7501b68\" 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\tNous mettons \u00e0 jour votre cote de solvabilit\u00e9 chaque mois pour que vous sachiez o\u00f9 vous en \u00eates. \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-fc4d674 elementor-widget elementor-widget-heading\" data-id=\"fc4d674\" 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\u2019est-ce qui affecte la cote de solvabilit\u00e9? \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34f4e63 elementor-widget elementor-widget-text-editor\" data-id=\"34f4e63\" 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\tPuisque votre cote de solvabilit\u00e9 a une incidence sur l\u2019obtention d\u2019un cr\u00e9dit et sur le co\u00fbt de ce cr\u00e9dit, vous comprendrez pourquoi il importe de savoir ce qui affecte son calcul et comment vous pouvez l\u2019am\u00e9liorer.\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-890cf6e elementor-widget elementor-widget-text-editor\" data-id=\"890cf6e\" 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\tAlors, qu\u2019est-ce qui affecte une cote de solvabilit\u00e9?\n\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<\/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-d6b762c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d6b762c\" 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-1bd3004\" data-id=\"1bd3004\" 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-6516dae elementor-widget elementor-widget-image\" data-id=\"6516dae\" 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=\"56\" height=\"56\" data-src=\"https:\/\/staging.sigmaloyaltygroup.com\/wp-content\/uploads\/2022\/06\/e34c8872-payment-icon_1000000000000000000028.png\" class=\"attachment-large size-large wp-image-3410 lazyload\" alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 56px; --smush-placeholder-aspect-ratio: 56\/56;\" \/><noscript><img decoding=\"async\" width=\"56\" height=\"56\" src=\"https:\/\/staging.sigmaloyaltygroup.com\/wp-content\/uploads\/2022\/06\/e34c8872-payment-icon_1000000000000000000028.png\" class=\"attachment-large size-large wp-image-3410\" alt=\"\" \/><\/noscript>\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 class=\"elementor-element elementor-element-eb3a6d8 elementor-widget elementor-widget-text-editor\" data-id=\"eb3a6d8\" 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><strong>Historique des paiements.<\/strong> Le fait de payer vos factures \u00e0 temps est l\u2019\u00e9l\u00e9ment le plus important de votre cote de solvabilit\u00e9. Les paiements en retard ou non effectu\u00e9s peuvent signaler un risque plus \u00e9lev\u00e9 aux pr\u00eateurs et peuvent affecter votre cote de solvabilit\u00e9sur une p\u00e9riode pouvant aller jusqu\u2019\u00e0 18 mois. Profitez des syst\u00e8mes de paiement automatique des factures lorsqu\u2019ils sont offerts, en vue de maintenir votre cote \u00e0 un bon niveau.  <\/p>\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-cea5836 elementor-widget elementor-widget-image\" data-id=\"cea5836\" 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=\"56\" height=\"56\" data-src=\"https:\/\/staging.sigmaloyaltygroup.com\/wp-content\/uploads\/2022\/06\/ff992057-utilization-icon_1000000000000000000028.png\" class=\"attachment-large size-large wp-image-3411 lazyload\" alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 56px; --smush-placeholder-aspect-ratio: 56\/56;\" \/><noscript><img decoding=\"async\" width=\"56\" height=\"56\" src=\"https:\/\/staging.sigmaloyaltygroup.com\/wp-content\/uploads\/2022\/06\/ff992057-utilization-icon_1000000000000000000028.png\" class=\"attachment-large size-large wp-image-3411\" alt=\"\" \/><\/noscript>\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 class=\"elementor-element elementor-element-280327b elementor-widget elementor-widget-text-editor\" data-id=\"280327b\" 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<strong>Diversification du cr\u00e9dit.<\/strong> La diversification du cr\u00e9dit fait r\u00e9f\u00e9rence aux diff\u00e9rents types de cr\u00e9dit que vous poss\u00e9dez : cartes de cr\u00e9dit, pr\u00eats automobiles, pr\u00eats hypoth\u00e9caires, etc. Vous n\u2019\u00eates pas oblig\u00e9 d\u2019avoir plusieurs types de cr\u00e9dit pour obtenir une bonne cote de solvabilit\u00e9, mais c\u2019est g\u00e9n\u00e9ralement avantageux.   \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-eb889b2 elementor-widget elementor-widget-image\" data-id=\"eb889b2\" 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=\"56\" height=\"56\" data-src=\"https:\/\/staging.sigmaloyaltygroup.com\/wp-content\/uploads\/2022\/06\/50b76cd4-credit-history-icon_1000000000000000000028.png\" class=\"attachment-large size-large wp-image-3412 lazyload\" alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 56px; --smush-placeholder-aspect-ratio: 56\/56;\" \/><noscript><img decoding=\"async\" width=\"56\" height=\"56\" src=\"https:\/\/staging.sigmaloyaltygroup.com\/wp-content\/uploads\/2022\/06\/50b76cd4-credit-history-icon_1000000000000000000028.png\" class=\"attachment-large size-large wp-image-3412\" alt=\"\" \/><\/noscript>\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 class=\"elementor-element elementor-element-70bb37e elementor-widget elementor-widget-text-editor\" data-id=\"70bb37e\" 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><strong>Utilisation du cr\u00e9dit.<\/strong> En d\u2019autres termes, quel pourcentage de votre cr\u00e9dit disponible utilisez-vous r\u00e9guli\u00e8rement? Le fait de garder des soldes \u00e9lev\u00e9s ou de faire \u00ab plafonner \u00bb votre cr\u00e9dit sont d\u2019autres signes de risque pour les pr\u00eateurs. Cela indique que vous pourriez avoir du mal \u00e0 payer vos factures \u00e0 l\u2019avenir. En g\u00e9n\u00e9ral, les meilleures cotes de cr\u00e9dit correspondent \u00e0 une utilisation inf\u00e9rieure \u00e0 30 %. Un maintien en dessous de 75 % est aussi une bonne ligne directrice. Utilisez votre cr\u00e9dit avec sagesse et remboursez r\u00e9guli\u00e8rement vos dettes.   <\/p>\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-76c85d2 elementor-widget elementor-widget-image\" data-id=\"76c85d2\" 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 loading=\"lazy\" decoding=\"async\" width=\"56\" height=\"56\" data-src=\"https:\/\/staging.sigmaloyaltygroup.com\/wp-content\/uploads\/2022\/06\/228fc5fe-credit-mix-icon_1000000000000000000028.png\" class=\"attachment-large size-large wp-image-3413 lazyload\" alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 56px; --smush-placeholder-aspect-ratio: 56\/56;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"56\" height=\"56\" src=\"https:\/\/staging.sigmaloyaltygroup.com\/wp-content\/uploads\/2022\/06\/228fc5fe-credit-mix-icon_1000000000000000000028.png\" class=\"attachment-large size-large wp-image-3413\" alt=\"\" \/><\/noscript>\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 class=\"elementor-element elementor-element-b947620 elementor-widget elementor-widget-text-editor\" data-id=\"b947620\" 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<strong>Ant\u00e9c\u00e9dents de cr\u00e9dit.<\/strong> Vos ant\u00e9c\u00e9dents de cr\u00e9dit sont d\u00e9termin\u00e9s par deux facteurs : depuis quand avez-vous des comptes de cr\u00e9dit et combien de temps s\u2019est \u00e9coul\u00e9 depuis que vous les avez utilis\u00e9s? Plus vous avez un cr\u00e9dit depuis longtemps et plus vous l\u2019avez utilis\u00e9 \u00e0 court terme, plus ces facteurs seront positifs sur votre cote de solvabilit\u00e9. Donc, avant d\u2019annuler une carte de cr\u00e9dit, pensez \u00e0 l\u2019impact de cette annulation sur votre cote. En effa\u00e7ant des ann\u00e9es d\u2019ant\u00e9c\u00e9dents de cr\u00e9dit, vous pourriez nuire \u00e0 votre capacit\u00e9 \u00e0 obtenir un nouveau cr\u00e9dit. \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-9a9ce49 elementor-widget elementor-widget-image\" data-id=\"9a9ce49\" 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 loading=\"lazy\" decoding=\"async\" width=\"56\" height=\"56\" data-src=\"https:\/\/staging.sigmaloyaltygroup.com\/wp-content\/uploads\/2022\/06\/41f27754-inquiries-icon_1000000000000000000028.png\" class=\"attachment-large size-large wp-image-3414 lazyload\" alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 56px; --smush-placeholder-aspect-ratio: 56\/56;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"56\" height=\"56\" src=\"https:\/\/staging.sigmaloyaltygroup.com\/wp-content\/uploads\/2022\/06\/41f27754-inquiries-icon_1000000000000000000028.png\" class=\"attachment-large size-large wp-image-3414\" alt=\"\" \/><\/noscript>\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 class=\"elementor-element elementor-element-2c6adce elementor-widget elementor-widget-text-editor\" data-id=\"2c6adce\" 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<strong>Demandes de cr\u00e9dit.<\/strong> Tout d\u2019abord, sachez qu\u2019il existe deux types de demandes : les demandes non inscrites et les demandes inscrites. Les demandes non inscrites, comme lorsque nous v\u00e9rifions votre cote de solvabilit\u00e9, n\u2019ont pas d\u2019effet sur votre cote. Les demandes inscrites, pour leur part, correspondent aux nouvelles demandes de cr\u00e9dit. Elles auront un l\u00e9ger impact sur votre cote jusqu\u2019\u00e0 ce que l\u2019agence d\u2019\u00e9valuation du cr\u00e9dit ait suffisamment d\u2019historiques sur les nouvelles lignes de cr\u00e9dit pour r\u00e9\u00e9valuer votre degr\u00e9 de solvabilit\u00e9.  \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-56635b2 elementor-widget elementor-widget-text-editor\" data-id=\"56635b2\" 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>Savoir ce qui affecte votre cote de solvabilit\u00e9 est la premi\u00e8re \u00e9tape pour prendre le contr\u00f4le de votre cr\u00e9dit. Si vous n\u2019avez pas consult\u00e9 votre cote de solvabilit\u00e9 la plus r\u00e9cente, ce mois-ci, nous vous invitons \u00e0 ouvrir une session dans votre compte pour savoir o\u00f9 vous en \u00eates. <\/p>\n\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<\/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>Comprendre votre cote de solvabilit\u00e9 est crucial pour votre sant\u00e9 financi\u00e8re. Connaissez-vous votre cote et comment est-elle calcul\u00e9e? <\/p>\n","protected":false},"author":1,"featured_media":3416,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24,14],"tags":[],"class_list":["post-3474","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-connaissances","category-non-classifiee"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qu\u2019est-ce qu\u2019une cote de solvabilit\u00e9 et comment est-elle calcul\u00e9e?<\/title>\n<meta name=\"description\" content=\"Comprendre votre cote de solvabilit\u00e9 est crucial pour votre sant\u00e9 financi\u00e8re. 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