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Comprendre Votre Fiche de Crédit

Tout le monde parle de crédit aux Etats Unis. Soit il est “bon”, “excellent” ou parfois “mauvais”. Vous entendez souvent les termes « fiche de crédit » (en anglais : Credit Report), « Cote de crédit » (Credit Score) qui apparaissent dans les conversations concernant le crédit. Mais que signifient ces termes de crédit et comment votre comportement vis-à-vis de vos finances affecte-t-il votre avenir en tant que consommateur au Etats Unis?

Qu’est-ce que le crédit?

Un crédit est une avance de somme d’argent.  Le crédit nous permet de consommer aujourd’hui ce que nous ne pouvons pas nous offrir aujourd’hui, mais que nous pouvons rembourser au fil du temps. Le crédit nous offre une flexibilité financière. Dans un pays comme les Etats Unis ou la cote de crédit joue un rôle très important sur tout ce qui touche votre vie financière, il est alors essentiel de comprendre ces termes.

Par exemple, il peut arriver vous n’ayez pas assez d’argent pour acheter une voiture aujourd’hui, mais si vous disposez de quelques centaines de dollars qui peuvent être versés pour un prêt d’automobile chaque mois pendant cinq ans, vous pouvez utiliser le crédit pour faire la transaction.

Lorsque vous utilisez le crédit pour faire des dépenses, vous contractez une dette. S’endetter plus que vous ne pouvez rembourser est souvent très risqué, il est donc important d’utiliser le crédit de manière responsable.

La fiche de crédit (‘Credit Report’)

Les trois agences nationales de pointage de crédit (Experian, Equifax, et TransUnion),  établissent une liste de tous les crédits dont dispose un consommateur, et cela constitue une  fiche de crédit. Une fiche de crédit comprend des informations telles sur l’historique de paiement des factures, les types de comptes de crédit, et toute dette en cours. Votre fiche de crédit peut contenir les renseignements ci-dessous :

-Information personnelles: nom, adresse, numéro de téléphone, date de naissance, employeurs…

-Antécédents des paiements (et non paiements) auprès de fournisseurs de crédit (magasins, banques, sociétés de financement)

-Archives publiques: faillites ou décisions judiciaires qui peuvent avoir une incidence sur votre solvabilité

-Demandes: une liste des prêteurs et des autres parties ayant reçu vos renseignements sur le crédit.

-Autres renseignements, qui pourraient comprendre vos renseignements bancaires ou vos recouvrements.

Votre fiche de crédit ne contient pas de renseignements tel que votre revenu, les achats payés entièrement en argent comptant, vos antécédents médicaux, de votre origine ethnique, de vos appartenances politiques ou de votre casier judiciaire.

Il est conseillé de consulter toutes vos trois fiches de crédit régulièrement pour veiller à ce que les renseignements soient exacts puisque ces informations affectent votre cote de crédit. Une fois par an, vous pouvez obtenir gratuitement votre fiche de crédit auprès d’Equifax , Experian, et TransUnion sur le site Annual Credit Report établi par les trois bureaux de crédit.  A cause du COVID-19, Equifax, Experian et TransUnion offrent désormais des rapports hebdomadaires gratuits jusqu’en Avril 2021 sur le meme site: www.annualcreditreport.com. Les sociétés de surveillance du crédit tel que IdendityIQ vous offrent des services de surveillance y compris la visibilité sur vos fiches de crédit et vos cotes de crédit. IdentityIQ offre également la possibilite de faire des simulations de votre cote et vous donne des étapes à suivre pour améliorer votre cote de crédit. CLIQUEZ ICI POUR OBTENIR UN ESSAI D’UNE SEMAINE sur IdentityIQ.


Pour toute question concernant la cote de crédit, écrivez nous à partir de la page “Contact” ou a partir de notre page facebook.

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