{"id":508,"date":"2026-10-29T00:04:10","date_gmt":"2026-10-29T04:04:10","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=508"},"modified":"2026-10-29T00:04:10","modified_gmt":"2026-10-29T00:04:10","slug":"five-credit-myths-busted","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/five-credit-myths-busted\/","title":{"rendered":"Cinq mythes sur le cr\u00e9dit, d\u00e9mystifi\u00e9s"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"508\" class=\"elementor elementor-508\">\n\t\t\t\t<section class=\"elementor-element elementor-element-088dbad e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"088dbad\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"088dbad\">\n    <div class=\"elementor-element elementor-element-9d7b781 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"9d7b781\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9d7b781\">\n    <article class=\"elementor-element elementor-element-d4ba21c e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"d4ba21c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d4ba21c\">\n    <div class=\"elementor-element elementor-element-f3ca4fe e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"f3ca4fe\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f3ca4fe\">\n    <div class=\"elementor-element elementor-element-c913cb9 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"c913cb9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c913cb9\">\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=\"862533a\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"c7e6134\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"6f6f1fc\">\n\tComprendre le cr\u00e9dit\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-188f4ad e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"188f4ad\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"188f4ad\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"db083e0\">Gratuit avec Basique<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"6241ddb\">Article 9 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"af2974e\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"ff11a23\" class=\"title-lg e-heading-base e-default-h1\">Cinq mythes sur le cr\u00e9dit, d\u00e9mystifi\u00e9s<\/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=\"1c393e3\" id=\"66\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-25-1024x643.webp\" width=\"1024\" height=\"643\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-25-1024x643.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-25-300x188.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-25-768x482.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-25-1536x964.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-853a2e8 e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"853a2e8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"853a2e8\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"ab87ae8\">La d\u00e9sinformation en mati\u00e8re de cr\u00e9dit est omnipr\u00e9sente, surtout aupr\u00e8s des nouveaux arrivants et des jeunes. Voici cinq id\u00e9es re\u00e7ues courantes et la v\u00e9rit\u00e9.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"a3eaaac\" class=\"prose-heading e-heading-base e-default-h2\">Mythe n\u00b0 1 : \u00ab Consulter ma cote de cr\u00e9dit la fait baisser. \u00bb<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-b2f035d e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"b2f035d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b2f035d\" id=\"article-gate\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"0154ef0\">Article gratuit<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"7b503cd\" 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=\"2e31d68\">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-439fbbd e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"439fbbd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"439fbbd\">\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=\"63cbafe\">\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=\"28d26f4\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-4b3af01 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"4b3af01\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4b3af01\">\n    <a class=\"elementor-element elementor-element-e227157 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"e227157\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e227157\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/credit-for-students-and-young-adults-starting-smart\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"2eb665b\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"297baa4\">Cr\u00e9dit pour les \u00e9tudiants et les jeunes adultes\u00a0: Bien d\u00e9marrer<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-6e1d338 e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"6e1d338\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6e1d338\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/protecting-and-repairing-your-credit\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"f2c4dfe\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"042d601\">Prot\u00e9ger et r\u00e9parer votre cr\u00e9dit<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-ce71c0f e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"ce71c0f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ce71c0f\">\n    <div class=\"elementor-element elementor-element-f425821 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"f425821\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f425821\">\n    <div class=\"elementor-element elementor-element-5578f3e e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"5578f3e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5578f3e\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"125d17c\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"bc7c680\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-d9ff063 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"d9ff063\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d9ff063\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/what-is-credit-and-why-does-it-matter-in-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"9a3aa08\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"25076fd\">Qu\u2019est-ce que le cr\u00e9dit et pourquoi est-il important au Canada\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-bebbb47 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"bebbb47\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"bebbb47\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/credit-scores-explained-what-the-numbers-mean\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"eff2072\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"974ae66\">Explication des pointages de cr\u00e9dit\u00a0: que signifient les chiffres\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-deb85ba e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"deb85ba\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"deb85ba\" 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<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"15dad89\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"bfd57bc\">Votre rapport de cr\u00e9dit\u00a0: que contient-il et comment le consulter gratuitement\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-b7ee882 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"b7ee882\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b7ee882\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/building-credit-as-a-newcomer-to-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"9dbf0ad\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"de69622\">Se constituer un historique de cr\u00e9dit en tant que nouvel arrivant au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-da47e83 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"da47e83\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"da47e83\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/credit-cards-101-using-them-wisely\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"ece354d\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"69d3d79\">Cartes de cr\u00e9dit : l&#039;essentiel pour bien les utiliser<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-b9354f5 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"b9354f5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b9354f5\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/interest-and-apr-the-real-cost-of-borrowing\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"ff43eb4\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"2882bbb\">Int\u00e9r\u00eats et TAP\u00a0: le co\u00fbt r\u00e9el de l\u2019emprunt<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-b2b5937 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"b2b5937\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b2b5937\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/types-of-credit-revolving-instalment-and-beyond\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"25846f8\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"010b5f0\">Types de cr\u00e9dit\u00a0: renouvelable, \u00e0 temp\u00e9rament et plus encore<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-0b0a9d1 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"0b0a9d1\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0b0a9d1\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/credit-for-students-and-young-adults-starting-smart\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"1e4b415\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"1c8adbc\">Cr\u00e9dit pour les \u00e9tudiants et les jeunes adultes\u00a0: Bien d\u00e9marrer<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-1a04bbc e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"1a04bbc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1a04bbc\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/five-credit-myths-busted\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"c873c01\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"f438261\">Cinq mythes sur le cr\u00e9dit, d\u00e9mystifi\u00e9s<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-f50728a e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"f50728a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f50728a\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/protecting-and-repairing-your-credit\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"fe92560\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"59672a0\">Prot\u00e9ger et r\u00e9parer votre cr\u00e9dit<\/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=\"ef1bb4e\">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 \/ Understanding Credit Free with Basic Article 9 of 10 2 min read Five Credit Myths, Busted Misinformation about [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":499,"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-508","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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