{"id":1311,"date":"2022-12-07T16:26:46","date_gmt":"2022-12-07T16:26:46","guid":{"rendered":"https:\/\/directdemenagement.com\/?p=1311"},"modified":"2022-12-07T20:40:56","modified_gmt":"2022-12-07T20:40:56","slug":"la-cote-de-credit","status":"publish","type":"post","link":"https:\/\/directdemenagement.com\/la-cote-de-credit\/","title":{"rendered":"La cote de cr\u00e9dit"},"content":{"rendered":"\n<p>La cote de cr\u00e9dit est un indicateur important qui d\u00e9finit votre capacit\u00e9 \u00e0 assumer vos remboursements de mani\u00e8re r\u00e9guli\u00e8re. Elle doit \u00eatre la plus irr\u00e9prochable possible car elle d\u00e9termine vos possibilit\u00e9s de contracter un futur emprunt. Tant que les institutions financi\u00e8res ne connaitront pas vos habitudes par ce biais, il vous sera quasiment impossible d\u2019obtenir un pr\u00eat.<\/p>\n\n\n\n<p>Plus votre cote est \u00e9lev\u00e9e, moins vous constituez un risque pour le pr\u00eateur.<\/p>\n\n\n\n<p>Quelques conseils pour avoir une bonne cote de cr\u00e9dit&nbsp;:<\/p>\n\n\n\n<ul>\n<li>Payez vos factures \u00e0 temps&nbsp;! D\u00e9montrez votre fiabilit\u00e9 aux pr\u00eateurs en payant vos cartes de cr\u00e9dit \u00e0 temps et en totalit\u00e9, ainsi que vos autres dettes (t\u00e9l\u00e9phone, etc.) ceci am\u00e9liorera votre cote de cr\u00e9dit<\/li>\n\n\n\n<li>Ne d\u00e9passez pas votre limite de cr\u00e9dit.<\/li>\n\n\n\n<li>Acquittez vos dettes. Il est \u00e9vident que le paiement minimum d\u2019une carte de cr\u00e9dit ne permettra pas le remboursement de la dette. Il faut s\u2019imposer des remboursements plus cons\u00e9quents.<\/li>\n\n\n\n<li>Espacez vos demandes de cr\u00e9dit. Trop de demandes de pr\u00eat, qu\u2019elles soient accept\u00e9es ou refus\u00e9es, vont nuire.<\/li>\n\n\n\n<li>Restez fid\u00e8le \u00e0 vos cartes bancaires dans un premier temps. Il est d\u00e9conseill\u00e9 de souscrire \u00e0 toutes les cartes de cr\u00e9dit (magasin, essence, etc.) cela va compliquer votre gestion. Votre gestion de paiement de cartes sera par ce biais simplifi\u00e9 et vous \u00e9vitera des oublis de paiements de carte qui nuiraient grandement \u00e0 votre cote de cr\u00e9dit.<\/li>\n<\/ul>\n\n\n\n<p>Etant nouveau au Qu\u00e9bec, il est indispensable que vous commenciez \u00e0 constituer votre cote de cr\u00e9dit le plus t\u00f4t possible. Plus l\u2019on conna\u00eet vos habitudes de cr\u00e9dit et plus facile sera l\u2019obtention d\u2019un pr\u00eat. Le meilleur moyen de se constituer un historique de cr\u00e9dit est donc de d\u00e9tenir une carte de cr\u00e9dit et de l\u2019utiliser intelligemment.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La cote de cr\u00e9dit est un indicateur important qui d\u00e9finit votre capacit\u00e9 \u00e0 assumer vos remboursements de mani\u00e8re r\u00e9guli\u00e8re. Elle doit \u00eatre la plus irr\u00e9prochable possible car elle d\u00e9termine vos [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","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":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","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-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-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-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-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-gradient":""}},"_jf_save_progress":"","_jet_sm_ready_style":"","_jet_sm_style":"","_jet_sm_controls_values":"","_jet_sm_fonts_collection":"","_jet_sm_fonts_links":"","footnotes":""},"categories":[15,19],"tags":[],"_links":{"self":[{"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/posts\/1311"}],"collection":[{"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/comments?post=1311"}],"version-history":[{"count":1,"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/posts\/1311\/revisions"}],"predecessor-version":[{"id":1312,"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/posts\/1311\/revisions\/1312"}],"wp:attachment":[{"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/media?parent=1311"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/categories?post=1311"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/directdemenagement.com\/wp-json\/wp\/v2\/tags?post=1311"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}