{"id":367,"date":"2026-10-29T00:03:35","date_gmt":"2026-10-29T04:03:35","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=367"},"modified":"2026-10-29T00:03:35","modified_gmt":"2026-10-29T00:03:35","slug":"your-credit-score-in-canada-how-newcomers-can-build-one-from-zero","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/your-credit-score-in-canada-how-newcomers-can-build-one-from-zero\/","title":{"rendered":"Votre cote de cr\u00e9dit au Canada\u00a0: comment les nouveaux arrivants peuvent en b\u00e2tir une \u00e0 partir de z\u00e9ro"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"367\" class=\"elementor elementor-367\">\n\t\t\t\t<section class=\"elementor-element elementor-element-a95576c e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"a95576c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a95576c\">\n    <div class=\"elementor-element elementor-element-ad555c9 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"ad555c9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ad555c9\">\n    <article class=\"elementor-element elementor-element-c19d14b e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"c19d14b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c19d14b\">\n    <div class=\"elementor-element elementor-element-9765e3d e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"9765e3d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9765e3d\">\n    <div class=\"elementor-element elementor-element-e9ad3ba e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"e9ad3ba\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e9ad3ba\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/library\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"59e5e30\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"78b3f69\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"3188110\">\n\tPrincipes fondamentaux de l&#039;emprunt\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-bdba3f5 e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"bdba3f5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"bdba3f5\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"4b5eebb\">Gratuit avec Basique<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"4fdb7dc\">Article 2 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"084fa4d\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"21c643a\" class=\"title-lg e-heading-base e-default-h1\">Votre cote de cr\u00e9dit au Canada\u00a0: comment les nouveaux arrivants peuvent en b\u00e2tir une \u00e0 partir de z\u00e9ro<\/h1>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img article-cover\" data-interaction-id=\"330034f\" id=\"29\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-44-1024x1024.webp\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-44-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-44-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-44-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-44-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-44-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-44-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-44-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-44-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-44.webp 1600w\" alt=\"Illustration for the article: Your Credit Score in Canada: How Newcomers Can Build One from Zero\"\/>\t\t<div class=\"elementor-element elementor-element-5e3d5fc e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"5e3d5fc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5e3d5fc\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"9c1e224\">Votre cote de cr\u00e9dit est un nombre \u00e0 trois chiffres, g\u00e9n\u00e9ralement entre 300 et 900 au Canada, qui indique aux pr\u00eateurs votre fiabilit\u00e9 en mati\u00e8re de remboursement de dettes. Plus elle est \u00e9lev\u00e9e, mieux c&#039;est. Deux agences, Equifax Canada et TransUnion Canada, tiennent \u00e0 jour votre dossier de cr\u00e9dit.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"18bf54d\" class=\"prose-heading e-heading-base e-default-h2\">Pourquoi vos ant\u00e9c\u00e9dents de cr\u00e9dit \u00e0 l&#039;\u00e9tranger pourraient ne pas compter<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-a9ac2e6 e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"a9ac2e6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a9ac2e6\" id=\"article-gate\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"6e982f8\">Article gratuit<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"9b37869\" class=\"title-md e-heading-base e-default-h2\">Inscrivez-vous gratuitement pour continuer la lecture.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"92ebea7\">Les articles de base sont gratuits. Inscrivez-vous avec un nom d&#039;utilisateur et une adresse courriel, cliquez sur le lien d&#039;activation que nous vous envoyons pour d\u00e9finir votre mot de passe, puis connectez-vous pour lire les 50 articles de base.<\/p>\n\t\t<div class=\"elementor-element elementor-element-7737e1c e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"7737e1c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7737e1c\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/wp-login.php\/?action=register\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"a384e2d\">\n\tS&#039;inscrire gratuitement\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/wp-login.php\" target=\"_self\" class=\"button-ghost e-button-base e-default-a\" data-interaction-id=\"cd17c4f\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-ebb3a95 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"ebb3a95\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ebb3a95\">\n    <a class=\"elementor-element elementor-element-d506644 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"d506644\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d506644\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/what-is-borrowing-the-basics-explained\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"f0367d9\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"8c04c54\">Qu&#039;est-ce qu&#039;un emprunt\u00a0? Explications de base<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-24e5bc8 e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"24e5bc8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"24e5bc8\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/credit-cards-convenient-borrowing-that-can-get-expensive\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"0bbfc58\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"e0dc8e8\">Cartes de cr\u00e9dit\u00a0: des emprunts pratiques qui peuvent co\u00fbter cher<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-ba13b46 e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"ba13b46\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ba13b46\">\n    <div class=\"elementor-element elementor-element-21c7327 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"21c7327\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"21c7327\">\n    <div class=\"elementor-element elementor-element-89974be e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"89974be\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"89974be\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"54673a4\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"f90a9df\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-5274746 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"5274746\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5274746\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/what-is-borrowing-the-basics-explained\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"1a13217\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"888d026\">Qu&#039;est-ce qu&#039;un emprunt\u00a0? Explications de base<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-b63dd2a e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"b63dd2a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b63dd2a\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/your-credit-score-in-canada-how-newcomers-can-build-one-from-zero\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"b5349fa\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"5d83449\">Votre cote de cr\u00e9dit au Canada\u00a0: comment les nouveaux arrivants peuvent en b\u00e2tir une \u00e0 partir de z\u00e9ro<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-21fe97c e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"21fe97c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"21fe97c\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/credit-cards-convenient-borrowing-that-can-get-expensive\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"33d52b7\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"0697897\">Cartes de cr\u00e9dit\u00a0: des emprunts pratiques qui peuvent co\u00fbter cher<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-2189b12 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"2189b12\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2189b12\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/understanding-interest-apr-fixed-vs-variable-and-compounding\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"30a5a91\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"951eeb9\">Comprendre les int\u00e9r\u00eats\u00a0: TAP, taux fixe vs taux variable et capitalisation<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-3c943bd e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"3c943bd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3c943bd\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/student-loans-borrowing-for-education-in-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"57bfe11\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"eb7aa49\">Pr\u00eats \u00e9tudiants : emprunter pour \u00e9tudier au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-80bc32f e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"80bc32f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"80bc32f\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/personal-loans-and-lines-of-credit-which-one-fits\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"9496b37\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"ef5d4a1\">Pr\u00eats personnels et lignes de cr\u00e9dit\u00a0: lequel vous convient le mieux\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-a058e0e e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"a058e0e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a058e0e\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/mortgages-101-borrowing-to-buy-a-home-in-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"f58fc9f\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"7836ebf\">Les bases des pr\u00eats hypoth\u00e9caires\u00a0: emprunter pour acheter une maison au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-ef46ac0 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"ef46ac0\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ef46ac0\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/payday-loans-and-high-cost-borrowing-the-risks\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"d84b5c1\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"daa46fe\">Pr\u00eats sur salaire et emprunts \u00e0 taux d&#039;int\u00e9r\u00eat \u00e9lev\u00e9s\u00a0: les risques<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-a6a93ac e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"a6a93ac\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a6a93ac\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/how-much-can-you-safely-borrow-budgeting-and-debt-ratios\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"88bc44c\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"d914a5e\">Combien pouvez-vous emprunter sans risque\u00a0? Budget et ratios d\u2019endettement<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-367fc3c e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"367fc3c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"367fc3c\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/getting-help-managing-debt-trouble-and-avoiding-scams\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"584dbc8\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"57a3cc8\">Obtenir de l&#039;aide : g\u00e9rer ses probl\u00e8mes d&#039;endettement et \u00e9viter les arnaques<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\t\t\t<p class=\"small e-paragraph-base e-default-p\" data-interaction-id=\"a65d42a\">Ce contenu est fourni \u00e0 titre informatif uniquement et ne constitue pas un conseil financier, juridique ou fiscal. Les taux, les limites et les r\u00e8gles \u00e9tant susceptibles d&#039;\u00e9voluer, veuillez v\u00e9rifier les informations en vigueur aupr\u00e8s de votre \u00e9tablissement financier ou de l&#039;organisme gouvernemental comp\u00e9tent.<\/p>\n\t\t\n<\/aside>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Library \/ Borrowing Fundamentals Free with Basic Article 2 of 10 2 min read Your Credit Score in Canada: How [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":365,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","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":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","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-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":"","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-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-opacity":"","overlay-gradient":""},"tablet":{"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-opacity":"","overlay-gradient":""},"mobile":{"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-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-367","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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