{"id":509,"date":"2026-10-29T00:04:11","date_gmt":"2026-10-29T04:04:11","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=509"},"modified":"2026-10-29T00:04:11","modified_gmt":"2026-10-29T00:04:11","slug":"protecting-and-repairing-your-credit","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/protecting-and-repairing-your-credit\/","title":{"rendered":"Prot\u00e9ger et r\u00e9parer votre cr\u00e9dit"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"509\" class=\"elementor elementor-509\">\n\t\t\t\t<section class=\"elementor-element elementor-element-fc47444 e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"fc47444\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fc47444\">\n    <div class=\"elementor-element elementor-element-95baee5 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"95baee5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"95baee5\">\n    <article class=\"elementor-element elementor-element-6e95b3b e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"6e95b3b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6e95b3b\">\n    <div class=\"elementor-element elementor-element-5a9485a e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"5a9485a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5a9485a\">\n    <div class=\"elementor-element elementor-element-0c4efa3 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"0c4efa3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0c4efa3\">\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=\"f76c77d\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"e257ed2\">\/<\/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=\"8a158ef\">\n\tComprendre le cr\u00e9dit\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-754878d e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"754878d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"754878d\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"f076f7f\">Gratuit avec Basique<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"42655ca\">Article 10 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"e193bc2\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"f1c184d\" class=\"title-lg e-heading-base e-default-h1\">Prot\u00e9ger et r\u00e9parer votre cr\u00e9dit<\/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=\"cef6da9\" id=\"67\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75-1024x1014.webp\" width=\"1024\" height=\"1014\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75-1024x1014.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75-300x297.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-75-768x761.webp 768w, 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-59be6dc e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"59be6dc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"59be6dc\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"e268e44\">M\u00eame les personnes les plus prudentes peuvent \u00eatre victimes de fraude, d&#039;erreurs ou de difficult\u00e9s financi\u00e8res. Savoir comment r\u00e9agir prot\u00e8ge votre cr\u00e9dit et votre tranquillit\u00e9 d&#039;esprit.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"cc8a242\" class=\"prose-heading e-heading-base e-default-h2\">Prot\u00e9gez-le<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-6e889ee e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"6e889ee\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6e889ee\" id=\"article-gate\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"4f0406d\">Article gratuit<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"a9f3acf\" 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=\"a86d460\">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-27da6ca e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"27da6ca\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"27da6ca\">\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=\"e3c60a9\">\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=\"4036037\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-947c0a4 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"947c0a4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"947c0a4\">\n    <a class=\"elementor-element elementor-element-5d69e6c e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"5d69e6c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5d69e6c\" href=\"https:\/\/gmat40.com\/fr\/topics\/understanding-credit\/five-credit-myths-busted\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"4531ec3\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"4e765ea\">Cinq mythes sur le cr\u00e9dit, d\u00e9mystifi\u00e9s<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-dbb5754 e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"dbb5754\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"dbb5754\">\n    <div class=\"elementor-element elementor-element-7e7c1f3 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"7e7c1f3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7e7c1f3\">\n    <div class=\"elementor-element elementor-element-376ef74 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"376ef74\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"376ef74\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"a7b591d\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"d7ca5dd\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-fd2ebf3 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"fd2ebf3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fd2ebf3\" 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=\"473392c\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"ccc496f\">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-12bc860 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"12bc860\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"12bc860\" 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=\"11dbe1c\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"2f6dcda\">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-dd37f44 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"dd37f44\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"dd37f44\" 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=\"cc45739\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"58ba0d9\">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-8710f67 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"8710f67\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8710f67\" 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=\"719a728\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"00e2824\">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-a05bdf2 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"a05bdf2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a05bdf2\" 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=\"0bce28b\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"a6f5254\">Cartes de cr\u00e9dit : l&#039;essentiel pour bien les utiliser<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-e671067 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"e671067\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e671067\" 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=\"6a3b989\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"4639890\">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-0535f0c e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"0535f0c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0535f0c\" 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=\"905147d\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"8dab77c\">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-f12e7cd e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"f12e7cd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f12e7cd\" 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=\"5ed979a\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"ebb5445\">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-92ff02e e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"92ff02e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"92ff02e\" 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=\"6c97a82\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"9a55714\">Cinq mythes sur le cr\u00e9dit, d\u00e9mystifi\u00e9s<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-cfe4afa e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"cfe4afa\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"cfe4afa\" 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=\"b325a5d\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"e0a635e\">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=\"bbff008\">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 10 of 10 2 min read Protecting and Repairing Your Credit Even [&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-509","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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