{"id":499,"date":"2026-10-29T00:04:11","date_gmt":"2026-10-29T04:04:11","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=499"},"modified":"2026-10-29T00:04:11","modified_gmt":"2026-10-29T00:04:11","slug":"understanding-credit","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/","title":{"rendered":"Comprendre le cr\u00e9dit"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"499\" class=\"elementor elementor-499\">\n\t\t\t\t<section class=\"elementor-element elementor-element-3b0ee58 e-con e-atomic-element e-flexbox-base e-default-section page-hero\" data-id=\"3b0ee58\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3b0ee58\">\n    <div class=\"elementor-element elementor-element-4ce43f9 e-con e-atomic-element e-flexbox-base e-default-div page-hero-inner\" data-id=\"4ce43f9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4ce43f9\">\n    <div class=\"elementor-element elementor-element-2769619 e-con e-atomic-element e-flexbox-base e-default-div page-hero-copy\" data-id=\"2769619\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2769619\">\n    <div class=\"elementor-element elementor-element-16b93f6 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"16b93f6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"16b93f6\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"a482ea0\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"8f0db32\">Sujet Basique<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"0bf45c8\" class=\"title-xl e-heading-base e-default-h1\">Comprendre le cr\u00e9dit<\/h1>\n\t\t\t\t\t<p class=\"lede e-paragraph-base e-default-p\" data-interaction-id=\"528224e\">Rapports de cr\u00e9dit, pointages et comment se constituer un historique de cr\u00e9dit au Canada. Gratuit avec l&#039;inscription au forfait de base.<\/p>\n\t\t\t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"0c32eca\">Gratuit avec Basique<\/span>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img page-hero-img\" data-interaction-id=\"bf36438\" id=\"58\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-1024x1024.webp\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12.webp 1600w\" alt=\"Illustration of two hands holding a wallet and cash\"\/>\t\t\n<\/div>\n\n<\/section>\n<section class=\"elementor-element elementor-element-feaa3ed e-con e-atomic-element e-flexbox-base e-default-section section\" data-id=\"feaa3ed\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"feaa3ed\">\n    <div class=\"elementor-element elementor-element-21e02ff e-con e-atomic-element e-flexbox-base e-default-div page-container\" data-id=\"21e02ff\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"21e02ff\">\n    <div class=\"elementor-element elementor-element-8a0944b e-con e-atomic-element e-flexbox-base e-default-div section-head\" data-id=\"8a0944b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8a0944b\">\n    <div class=\"elementor-element elementor-element-97c01a3 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"97c01a3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"97c01a3\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"19511f1\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"5183f8d\">10 articles<\/span>\n\t\t\n<\/div>\n\t\t\t<h2 data-interaction-id=\"848271a\" class=\"title-lg e-heading-base e-default-h2\">Lisez dans l&#039;ordre ou acc\u00e9dez directement \u00e0 n&#039;importe quel article.<\/h2>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-8dada40 e-con e-atomic-element e-flexbox-base e-default-div card-row-gallery\" data-id=\"8dada40\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8dada40\">\n    <a class=\"elementor-element elementor-element-cd641e6 e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"cd641e6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"cd641e6\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/what-is-credit-and-why-does-it-matter-in-canada\/\" target=\"_self\">\n    \t\t\t<img decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"bb21a64\" id=\"58\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-768x768.webp\" width=\"768\" height=\"768\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-12.webp 1600w\" alt=\"Illustration of two hands holding a wallet and cash\"\/>\t\t<div class=\"elementor-element elementor-element-f820090 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"f820090\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f820090\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"5860038\">Article 01 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"fc544d1\" class=\"title-sm e-heading-base e-default-h3\">Qu\u2019est-ce que le cr\u00e9dit et pourquoi est-il important au Canada\u00a0?<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-9bcdaab e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"9bcdaab\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9bcdaab\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/credit-scores-explained-what-the-numbers-mean\/\" target=\"_self\">\n    \t\t\t<img decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"7168a72\" id=\"59\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-69-768x588.webp\" width=\"768\" height=\"588\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-69-768x588.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-69-300x230.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-69-1024x784.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-69-1536x1176.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-69-16x12.webp 16w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-69-600x459.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-69.webp 1600w\" alt=\"Illustration for the article: Credit Scores Explained: What the Numbers Mean\"\/>\t\t<div class=\"elementor-element elementor-element-e046787 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"e046787\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e046787\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"4027acb\">Article 02 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"3dd79a0\" class=\"title-sm e-heading-base e-default-h3\">Explication des pointages de cr\u00e9dit\u00a0: que signifient les chiffres\u00a0?<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-d5e5762 e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"d5e5762\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d5e5762\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/your-credit-report-whats-in-it-and-how-to-check-it-for-free\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"e398ff6\" id=\"60\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-66-768x573.webp\" width=\"768\" height=\"573\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-66-768x573.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-66-300x224.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-66-1024x764.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-66-1536x1146.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-66-16x12.webp 16w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-66-600x448.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-66.webp 1600w\" alt=\"Illustration for the article: Your Credit Report: What&#039;s in It and How to Check It for Free\"\/>\t\t<div class=\"elementor-element elementor-element-088ed19 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"088ed19\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"088ed19\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"a085457\">Article 03 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"08659c9\" class=\"title-sm e-heading-base e-default-h3\">Votre rapport de cr\u00e9dit\u00a0: que contient-il et comment le consulter gratuitement\u00a0?<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-5cb99f8 e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"5cb99f8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5cb99f8\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/building-credit-as-a-newcomer-to-canada\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"d7a901b\" id=\"61\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-14-768x584.webp\" width=\"768\" height=\"584\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-14-768x584.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-14-300x228.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-14-1024x778.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-14-1536x1167.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-14-16x12.webp 16w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-14-600x456.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-14.webp 1600w\" alt=\"Illustration of a man resting his foot on a large gold coin\"\/>\t\t<div class=\"elementor-element elementor-element-28587a6 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"28587a6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"28587a6\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"27bee01\">Article 04 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"1317539\" class=\"title-sm e-heading-base e-default-h3\">Se constituer un historique de cr\u00e9dit en tant que nouvel arrivant au Canada<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-22dd056 e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"22dd056\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"22dd056\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/credit-cards-101-using-them-wisely\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"c4cdc9c\" id=\"62\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-15-768x545.webp\" width=\"768\" height=\"545\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-15-768x545.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-15-300x213.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-15-1024x727.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-15-1536x1091.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-15-18x12.webp 18w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-15-600x426.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-15.webp 1600w\" alt=\"Illustration of bundled cash and stacks of coins\"\/>\t\t<div class=\"elementor-element elementor-element-291db34 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"291db34\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"291db34\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"52dd9f0\">Article 05 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"41f05c7\" class=\"title-sm e-heading-base e-default-h3\">Cartes de cr\u00e9dit : l&#039;essentiel pour bien les utiliser<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-63648f7 e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"63648f7\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"63648f7\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/interest-and-apr-the-real-cost-of-borrowing\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"acc17ce\" id=\"63\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-18-768x543.webp\" width=\"768\" height=\"543\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-18-768x543.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-18-300x212.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-18-1024x724.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-18-1536x1086.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-18-18x12.webp 18w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-18-600x424.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-18.webp 1600w\" alt=\"Illustration of a rising arrow, bar chart and coins\"\/>\t\t<div class=\"elementor-element elementor-element-e66c263 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"e66c263\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e66c263\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"ffe3a9b\">Article 06 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"1c5bb57\" class=\"title-sm e-heading-base e-default-h3\">Int\u00e9r\u00eats et TAP\u00a0: le co\u00fbt r\u00e9el de l\u2019emprunt<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-1766247 e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"1766247\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1766247\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/types-of-credit-revolving-instalment-and-beyond\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"2ba43af\" id=\"64\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-32-768x768.webp\" width=\"768\" height=\"768\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-32-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-32-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-32-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-32-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-32-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-32-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-32-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-32-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-32.webp 1600w\" alt=\"Illustration for the article: Types of Credit: Revolving, Instalment and Beyond\"\/>\t\t<div class=\"elementor-element elementor-element-e3ac716 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"e3ac716\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e3ac716\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"1c8f72b\">Article 07 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"ceeba70\" class=\"title-sm e-heading-base e-default-h3\">Types de cr\u00e9dit\u00a0: renouvelable, \u00e0 temp\u00e9rament et plus encore<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-0aab8e8 e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"0aab8e8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0aab8e8\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/credit-for-students-and-young-adults-starting-smart\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"e811a4c\" id=\"65\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-8-768x458.webp\" width=\"768\" height=\"458\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-8-768x458.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-8-300x179.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-8-1024x611.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-8-1536x917.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-8-18x12.webp 18w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-8-600x358.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-8.webp 1600w\" alt=\"Illustration for the article: Credit for Students and Young Adults: Starting Smart\"\/>\t\t<div class=\"elementor-element elementor-element-36e2888 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"36e2888\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"36e2888\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"993408f\">Article 08 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"7f45b3e\" class=\"title-sm e-heading-base e-default-h3\">Cr\u00e9dit pour les \u00e9tudiants et les jeunes adultes\u00a0: Bien d\u00e9marrer<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-64a62e8 e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"64a62e8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"64a62e8\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/five-credit-myths-busted\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"8047049\" id=\"66\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-25-768x482.webp\" width=\"768\" height=\"482\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-25-768x482.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-25-300x188.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-25-1024x643.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-25-1536x964.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-25-18x12.webp 18w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-25-600x377.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-25.webp 1600w\" alt=\"Illustration for the article: Five Credit Myths, Busted\"\/>\t\t<div class=\"elementor-element elementor-element-1b47163 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"1b47163\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1b47163\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"1d10ee8\">Article 09 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"317c9a3\" class=\"title-sm e-heading-base e-default-h3\">Cinq mythes sur le cr\u00e9dit, d\u00e9mystifi\u00e9s<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n<a class=\"elementor-element elementor-element-63613ad e-con e-atomic-element e-flexbox-base e-default-a card-gallery\" data-id=\"63613ad\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"63613ad\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/protecting-and-repairing-your-credit\/\" target=\"_self\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base e-default-img card-gallery-img\" data-interaction-id=\"efdbc81\" id=\"67\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75-768x761.webp\" width=\"768\" height=\"761\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75-768x761.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75-300x297.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75-1024x1014.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75-1536x1522.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75-600x594.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75.webp 1600w\" alt=\"Illustration for the article: Protecting and Repairing Your Credit\"\/>\t\t<div class=\"elementor-element elementor-element-8e13c90 e-con e-atomic-element e-flexbox-base e-default-div card-body-gallery\" data-id=\"8e13c90\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8e13c90\">\n    \t\t\t<p class=\"card-meta e-paragraph-base e-default-p\" data-interaction-id=\"3795ba9\">Article 10 \u00b7 2 min de lecture<\/p>\n\t\t\t\t\t<h3 data-interaction-id=\"2c1ba0d\" class=\"title-sm e-heading-base e-default-h3\">Prot\u00e9ger et r\u00e9parer votre cr\u00e9dit<\/h3>\n\t\t\n<\/div>\n\n<\/a>\n\n<\/div>\n\n<\/div>\n\n<\/section>\n<section class=\"elementor-element elementor-element-050a992 e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"050a992\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"050a992\">\n    <div class=\"elementor-element elementor-element-c88833d e-con e-atomic-element e-flexbox-base e-default-div page-container\" data-id=\"c88833d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c88833d\">\n    <div class=\"elementor-element elementor-element-0a4292f e-con e-atomic-element e-flexbox-base e-default-div cta-band\" data-id=\"0a4292f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0a4292f\">\n    <div class=\"elementor-element elementor-element-5dbe609 e-con e-atomic-element e-flexbox-base e-default-div cta-copy\" data-id=\"5dbe609\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5dbe609\">\n    \t\t\t<h2 data-interaction-id=\"87853f3\" class=\"title-lg-light e-heading-base e-default-h2\">Lisez gratuitement les 50 articles Basique.<\/h2>\n\t\t\t\t\t<p class=\"text-light e-paragraph-base e-default-p\" data-interaction-id=\"396b0f5\">Inscrivez-vous avec un nom d&#039;utilisateur et une adresse courriel, puis cliquez sur le lien d&#039;activation que nous vous envoyons pour d\u00e9finir votre mot de passe.<\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-8f60d5a e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"8f60d5a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8f60d5a\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/wp-login.php\/?action=register\" target=\"_self\" class=\"button-accent e-button-base e-default-a\" data-interaction-id=\"da371df\">\n\tS&#039;inscrire 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Free when you register for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":319,"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-499","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Understanding Credit - GMAT40<\/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:\/\/gmat40.com\/fr\/topics\/understanding-credit\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding Credit - GMAT40\" \/>\n<meta property=\"og:description\" content=\"Basic topic Understanding Credit Credit reports, scores and how to build a history in Canada. 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