{"id":12825,"date":"2022-11-22T09:12:00","date_gmt":"2022-11-22T09:12:00","guid":{"rendered":"https:\/\/hypothequerapide.com\/comment-ameliorer-son-credit\/"},"modified":"2024-05-23T11:05:38","modified_gmt":"2024-05-23T11:05:38","slug":"how-to-improve-your-credit","status":"publish","type":"post","link":"https:\/\/hypothequerapide.com\/en\/our-blog\/2022\/11\/22\/how-to-improve-your-credit","title":{"rendered":"How to improve your credit?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"12825\" class=\"elementor elementor-12825 elementor-12804\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0399c24 e-flex e-con-boxed e-con e-parent\" data-id=\"0399c24\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07d0016 elementor-widget elementor-widget-text-editor\" data-id=\"07d0016\" data-element_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\tBefore responding to a <strong>mortgage <\/strong>application, credit agencies look at several factors, including your credit rating or score. This important factor influences the lender&#8217;s decision. When your <strong>credit score <\/strong>is good, you are more likely to get a mortgage with a lower interest rate and attractive repayment terms. On the other hand, a worrisome credit score can lead to a refusal of your financing request. Find out from your mortgage broker how to improve your credit rating.\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-dc3c1dc elementor-widget elementor-widget-heading\" data-id=\"dc3c1dc\" data-element_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\">What is a credit score?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d0c4bd elementor-widget elementor-widget-text-editor\" data-id=\"4d0c4bd\" data-element_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\tA credit score is a very important indicator used by credit agencies. It assesses your <strong>credit history<\/strong> and your ability to manage your debts. In the case of a mortgage, the quality of your score allows lenders to measure the risks they are exposed to if they decide to grant you credit.\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-5b0d6d7 elementor-widget elementor-widget-text-editor\" data-id=\"5b0d6d7\" data-element_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\tCalculated from a mathematical formula based on data in your loan file, the credit score is a three-digit number. Your score accumulates points if you use the credit you&#8217;re granted responsibly. Your credit score decreases if you don&#8217;t manage your loan funds well. In <strong>Canada<\/strong>, credit scores generally range from 300 to 900: if it&#8217;s around and above 700, it&#8217;s good and above 800, it&#8217;s excellent.\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-3361818 elementor-widget elementor-widget-heading\" data-id=\"3361818\" data-element_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\">How to know your credit rating?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f004a62 elementor-widget elementor-widget-text-editor\" data-id=\"f004a62\" data-element_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>Before applying for a mortgage, it&#8217;s a good idea to know your credit rating. To do this, you can contact\u00a0<strong>credit reporting agencies<\/strong>\u00a0such as\u00a0<span style=\"text-decoration: underline; color: #60bb46;\"><strong><a style=\"color: #60bb46; text-decoration: underline;\" href=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/dossier-pointage-credit\/commander-dossier-credit.html\" target=\"_blank\" rel=\"noopener\">Equifax Canada<\/a>\u00a0<\/strong><\/span>and\u00a0<strong>TransUnion Canada<\/strong>. These organizations are responsible for collecting, storing and reporting information on how you use your credit.<\/p>\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-a82c985 elementor-widget elementor-widget-text-editor\" data-id=\"a82c985\" data-element_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\tTo order your credit report, you can contact the credit bureau by phone, send it by mail, fax, online, or submit the request directly in person. For this last option, you receive your credit report right after the agency confirms your identity. For the other options, the file must be picked up at the post office 5 to 10 days after the application is sent.\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-2544c72 elementor-widget elementor-widget-heading\" data-id=\"2544c72\" data-element_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\">10 actions to improve credit score<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d6657f elementor-widget elementor-widget-text-editor\" data-id=\"7d6657f\" data-element_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\tThe best credit score is 900. In order to improve your credit score, you must demonstrate by all means your ability to repay the loans you have taken out. This will help you gain the confidence of the lender. Here are some tips to improve this indicator:\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-eab5775 elementor-widget elementor-widget-text-editor\" data-id=\"eab5775\" data-element_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<ul><li><strong>Make a budget<\/strong><\/li><\/ul>\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-01aaded elementor-widget elementor-widget-text-editor\" data-id=\"01aaded\" data-element_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\tDresser son budget, c\u2019est aussi d\u00e9terminer le pr\u00eat \u00e0 rembourser en priorit\u00e9. Donc, afin de cumuler plus de points dans votre dossier de cr\u00e9dit, assurez-vous de vous acquitter en premier des cr\u00e9dits dont les <strong>taux d\u2019int\u00e9r\u00eat<\/strong> sont plus \u00e9lev\u00e9s, simplement parce qu\u2019ils vous sont co\u00fbteux. Votre budget permet aussi de d\u00e9finir le montant exact d\u00e9di\u00e9 pour r\u00e9gler les comptes en souffrance.\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-a98d2e2 elementor-widget elementor-widget-text-editor\" data-id=\"a98d2e2\" data-element_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<ul><li><strong>Keep your credit card balance below 30%.<\/strong><\/li><\/ul>\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-c90437d elementor-widget elementor-widget-text-editor\" data-id=\"c90437d\" data-element_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\tPaying the minimum balance on your <strong>credit card<\/strong> is not enough to raise your score. Paying it in full will help to raise your credit score. If you can&#8217;t make a full monthly payment, it&#8217;s best not to leave more than 30% of your credit limit on your statement at the end of the month.\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-a3ad3c0 elementor-widget elementor-widget-text-editor\" data-id=\"a3ad3c0\" data-element_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<ul><li><strong>Pay before the deadline<\/strong><\/li><\/ul>\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-83dd1ca elementor-widget elementor-widget-text-editor\" data-id=\"83dd1ca\" data-element_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>Paying\u00a0<strong>lines of credit<\/strong>, bills, and cards on time is another way to <span style=\"text-decoration: underline;\"><strong><span style=\"color: #60bb46;\"><a style=\"color: #60bb46; text-decoration: underline;\" href=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/dossier-pointage-credit\/ameliorer-cote-credit.html\" target=\"_blank\" rel=\"noopener\">improve your credit rating<\/a><\/span><\/strong><\/span><span style=\"text-decoration: underline; color: #60bb46;\"><strong>.<\/strong><\/span> Make sure you pay the various debts before their due date, without waiting another day. Knowing that late payments negatively impact your rating, it is always important to ensure payment before the deadline, even when the repayment is a small amount.<\/p>\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-5168491 elementor-widget elementor-widget-text-editor\" data-id=\"5168491\" data-element_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<ul><li><strong>Don&#8217;t close your unused accounts, keep your old accounts paid off<\/strong><\/li><\/ul>\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-eafd8d2 elementor-widget elementor-widget-text-editor\" data-id=\"eafd8d2\" data-element_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\tCompared to a newly created account, credit accounts that have been open and held for a long time are more important for credit score evaluation. So, even if the accounts have already been balanced and you no longer use them, keep them open as long as possible without multiplying them too much. This is a way to show proof of stability to lenders. When you show yourself as a good payer over the long term, your <strong>credit score<\/strong> improves. However, you should check your credit agreement to see if there are any charges for unused accounts.\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-331016b elementor-widget elementor-widget-text-editor\" data-id=\"331016b\" data-element_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<ul><li><strong>Don&#8217;t use up your credit limit<\/strong><\/li><\/ul>\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-355601c elementor-widget elementor-widget-text-editor\" data-id=\"355601c\" data-element_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\tFor a better credit rating, use your credit wisely. Credit card and line of credit balances should be below the authorized limit, preferably less than 35% of your <strong>credit limit<\/strong>. On the other hand, a balance close to the authorized limit implies a loss of points in the credit score, even if the monthly repayment is complete and on time.\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-5c2c976 elementor-widget elementor-widget-text-editor\" data-id=\"5c2c976\" data-element_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<ul><li><strong>Pay off your credit cards first<\/strong><\/li><\/ul>\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-7ae110d elementor-widget elementor-widget-text-editor\" data-id=\"7ae110d\" data-element_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\tCompared to other loans, credit cards have a very high interest cost. For this reason, paying off your <strong>credit cards<\/strong> first becomes necessary to reduce your indebtedness while optimizing your credit rating.\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-dc2e253 elementor-widget elementor-widget-text-editor\" data-id=\"dc2e253\" data-element_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<ul><li><strong>Avoid multiple loan applications<\/strong><\/li><\/ul>\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-50aca14 elementor-widget elementor-widget-text-editor\" data-id=\"50aca14\" data-element_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\tTo credit agencies, applying for more financing means you are pretending to live beyond your means. It also exposes you to the risk of over indebtedness. For these reasons, limit the number of loan applications on your <strong>credit report<\/strong> to increase your score. Also, remember to apply for only the loans you really need.\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-a379b9f elementor-widget elementor-widget-text-editor\" data-id=\"a379b9f\" data-element_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<ul><li><strong>Vary your credit<\/strong><\/li><\/ul>\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-4cfa1ce elementor-widget elementor-widget-text-editor\" data-id=\"4cfa1ce\" data-element_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\tYour score is likely to be lower if you have only one credit product. So, having several types of loans such as a card and a line of credit in addition to a car loan, for example, will help your score. However, you need to be good at managing your debts by paying back everything you&#8217;ve borrowed on time.\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-20a4b8c elementor-widget elementor-widget-text-editor\" data-id=\"20a4b8c\" data-element_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<ul><li><strong>Don&#8217;t carry too many credit cards<\/strong><\/li><\/ul>\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-a96303f elementor-widget elementor-widget-text-editor\" data-id=\"a96303f\" data-element_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\tHaving multiple credit cards is not a good practice. For some borrowers, it leads to a significant amount of debt. In addition, having multiple loans of the same type is usually a negative for your credit rating. Try as much as possible to have only one credit card, ideally the older one.\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-69089df elementor-widget elementor-widget-text-editor\" data-id=\"69089df\" data-element_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<ul><li><strong>Demonstrate stability in housing and employment<\/strong><\/li><\/ul>\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-98a3f57 elementor-widget elementor-widget-text-editor\" data-id=\"98a3f57\" data-element_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\tCreditors primarily prefer consumers with stability in their daily lives. While staying at the same address and holding the same job is not always easy, in order to improve your score, keep your stability in check.\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-dc30edc elementor-widget elementor-widget-text-editor\" data-id=\"dc30edc\" data-element_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\tYour credit score plays a very important role, especially when <strong>applying for a mortgage<\/strong>. It is essential to improve your score in order to guarantee the success of your projects.\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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Before responding to a mortgage application, credit agencies look at several factors, including your credit rating or score. This important factor influences the lender&#8217;s decision. When your credit score is good, you are more likely to get a mortgage with a lower interest rate and attractive repayment terms. On the other hand, a worrisome credit [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12806,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[105],"tags":[107,109],"class_list":["post-12825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en","tag-credit-en","tag-improve"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to improve your credit? - Multi-Pr\u00eats MR Mathieu Lebrun&#039;s Team<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hypothequerapide.com\/en\/our-blog\/2022\/11\/22\/how-to-improve-your-credit\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to improve your credit? - Multi-Pr\u00eats MR Mathieu Lebrun&#039;s Team\" \/>\n<meta property=\"og:description\" content=\"Before responding to a mortgage application, credit agencies look at several factors, including your credit rating or score. 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