{"id":9212,"date":"2013-07-19T00:00:00","date_gmt":"2013-07-19T04:00:00","guid":{"rendered":"https:\/\/frenchdistrict.com\/atlanta-georgie\/articles\/credit-score-construire-explications-historique\/"},"modified":"2020-08-28T12:11:18","modified_gmt":"2020-08-28T16:11:18","slug":"credit-score-construire-explications-historique","status":"publish","type":"post","link":"https:\/\/frenchdistrict.com\/atlanta-georgie\/articles\/credit-score-construire-explications-historique\/","title":{"rendered":"Le Credit Score aux \u00c9tats-Unis, qu\u2019est-ce que c\u2019est ?"},"content":{"rendered":"<h2>\u00a0Le Credit Score, qu\u2019est-ce que c\u2019est ?<\/h2>\n<p>Le<strong>\u00a0credit score<\/strong> est une note attribu\u00e9e \u00e0 chaque personne aux \u00c9tats-Unis ayant un <strong>num\u00e9ro de s\u00e9curit\u00e9 sociale<\/strong>. Il est cens\u00e9 refl\u00e9ter sa capacit\u00e9 \u00e0 rembourser ses dettes. En d\u2019autres mots, il \u00e9tablit votre <strong>profil financier<\/strong> pour savoir si vous \u00eates un \u00e9l\u00e8ve s\u00e9rieux (si vous r\u00e9glez vos factures et remboursez vos dettes bien et \u00e0 temps) ou un mauvais payeur.<\/p>\n<p>Donc, plus votre note est haute, plus vous serez appr\u00e9ci\u00e9 des banques et plus vous obtiendrez une <strong>carte de cr\u00e9dit<\/strong> ou un <strong>cr\u00e9dit<\/strong> facilement.<\/p>\n<h2>A quoi sert le Credit Score ?<\/h2>\n<p>Il est tr\u00e8s important de poss\u00e9der un bon Credit Score, car il permet l\u2019obtention d\u2019une carte de cr\u00e9dit, de lignes de cr\u00e9dit, d\u2019un cr\u00e9dit, et plus g\u00e9n\u00e9ralement facilite toute transaction de la vie quotidienne.<\/p>\n<p>Vous pourrez donc obtenir un <strong>taux d\u2019int\u00e9r\u00eat<\/strong> sur un emprunt bien plus int\u00e9ressant, \u00e9conomiser sur une prime d\u2019<strong>assurance maison<\/strong> ou ouvrir un compte chez un fournisseur d\u2019\u00e9lectricit\u00e9 ou de ligne t\u00e9l\u00e9phonique portable sans caution, si vous poss\u00e9dez un bon Credit Score.<\/p>\n<p>Pour info, certaines soci\u00e9t\u00e9s de t\u00e9l\u00e9phonie peuvent demander une caution de 1,000$ pour une ouverture de ligne d&#8217;un non r\u00e9sident, un touriste, ou quelqu\u2019un qui ne poss\u00e8de pas (encore) de Credit Score.<\/p>\n<h2>Mode de calcul<\/h2>\n<p>Quelques indications :<\/p>\n<ul>\n<li><strong>35% du Credit Score<\/strong>\u00a0est fond\u00e9 sur la constance des paiements effectu\u00e9s.<\/li>\n<li><strong>30% de la note<\/strong>\u00a0est fond\u00e9 sur le pourcentage de votre capacit\u00e9 de cr\u00e9dit utilis\u00e9. En d\u2019autres termes, vous serez mieux not\u00e9 si vous n\u2019utilisez qu\u2019une faible partie de vos lignes de cr\u00e9dits au lieu de profiter du maximum autoris\u00e9 de vos cartes GAP, TARGET et MACY\u2019S.<\/li>\n<li><strong>15% de la note<\/strong>\u00a0est d\u00e9termin\u00e9e en fonction de l\u2019anciennet\u00e9 de l\u2019historique de cr\u00e9dit.<\/li>\n<li><strong>10% de votre Credit Score<\/strong>\u00a0est fond\u00e9 sur le type de cr\u00e9dit que vous avez ; consommation ou immobilier (voiture, pr\u00eat \u00e9tudiant, pr\u00eat hypoth\u00e9caire revolving (cartes de cr\u00e9dits ou lignes de cr\u00e9dits) ou autres.<\/li>\n<li><strong>10% de votre Credit Score<\/strong>\u00a0est fond\u00e9 sur les recherches que vous avez faites pour obtenir un cr\u00e9dit. Il faut savoir que chaque fois que vous demandez \u00e0 b\u00e9n\u00e9ficier d\u2019un cr\u00e9dit, cela affecte votre Credit Score de mani\u00e8re n\u00e9gative.<\/li>\n<\/ul>\n<h2>Fonctionnement<\/h2>\n<ul>\n<li><strong>330 &#8211; 619<\/strong>: Vous \u00eates un mauvais \u00e9l\u00e8ve. D\u2019ailleurs dans le jargon bancaire, on vous appelle un \u00ab <em>Lepreux du Credit<\/em> \u00bb (Credit leper)&#8230;<\/li>\n<li><strong>620 &#8211; 659<\/strong>: Un \u00e9l\u00e8ve vraiment moyen, donc certains cr\u00e9dits sous certaines conditions peuvent \u00eatre envisageables.<\/li>\n<li><strong>660 &#8211; 720<\/strong>: \u00c9l\u00e8ve s\u00e9rieux et en progr\u00e8s, avec un Credit Score consid\u00e9r\u00e9 comme bon. Car il faut savoir que 720 est la moyenne am\u00e9ricaine de cr\u00e9dit. C\u2019est-\u00e0-dire que c\u2019est le score qui est souvent demand\u00e9 pour obtenir un cr\u00e9dit ou un financement \u00e0 des conditions normales.<\/li>\n<li><strong>721 &#8211; 750<\/strong>: Tr\u00e8s bon sujet. Vous r\u00e9unissez toutes les conditions pour obtenir des financements ou cr\u00e9dits \u00e0 des conditions tout \u00e0 fait satisfaisantes.<\/li>\n<li><strong>751+<\/strong>: Vous \u00eates 1er de la classe avec un excellent Credit Score. Vous pouvez b\u00e9n\u00e9ficier de cr\u00e9dits \u00e0 des conditions tr\u00e8s avantageuses.<\/li>\n<\/ul>\n<h2>L\u2019historique de cr\u00e9dit : patience et constance\u2026<\/h2>\n\r\n\t<div class=\"sponsor__article sponsor__article--right\">\r\n\t\t<div class=\"inner\">\r\n\t\t\t<div class=\"sponsor__by\">Pr&eacute;sent&eacute; par...<\/div>\r\n\t\t\t<div>\r\n\t\t\t\t<a href=\"https:\/\/frenchdistrict.com\/atlanta-georgie\/adresse\/jade-fiducial-experts-comptables-comptabilite-fiscalite-miami\/\" target=\"_blank\">\r\n\t\t\t\t<div class=\"sponsor__illus\"><img decoding=\"async\" src=\"https:\/\/frenchdistrict.com\/atlanta-georgie\/wp-content\/uploads\/sites\/4\/2025\/11\/jade-fiducial-2025-featured_2434588_4447810_9504602_5475426.png\" alt=\"Jade Fiducial\" \/><\/div>\r\n\t\t\t\t<div class=\"sponsor__content\">\r\n\t\t\t\t\t<p class=\"sponsor__title\">Jade Fiducial<\/p>\r\n\t\t\t\t\t<div class=\"sponsor__slogan\">Comptabilit\u00e9 et fiscalit\u00e9 pour les fran\u00e7ais d'Am\u00e9rique<\/div>\r\n\t\t\t\t\t<div class=\"vce-button vce-button--small\" style=\"background-color: #444444;\"><i class=\"fa fa-hand-o-right\" aria-hidden=\"true\">&nbsp;<\/i>Jade Fiducial<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/a>\r\n\t\t\t<\/div>\t\t\r\n\t\t<\/div>\r\n\t<\/div>Heureusement le Credit Score n\u2019est pas fig\u00e9 m\u00eame si passer d\u2019un score de 330 (le plus souvent le cas du nouvel arrivant) \u00e0 849 n\u2019est pas instantan\u00e9. On construit donc son historique de cr\u00e9dit (<strong>credit history<\/strong> ou credit report) sur plusieurs ann\u00e9es afin d\u2019obtenir la note la meilleure possible.<\/p>\n<p>Cependant, la chose n\u2019est pas forc\u00e9ment ais\u00e9e car il faut trouver le subtil \u00e9quilibre entre ouvrir des lignes de cr\u00e9dit pour montrer qu\u2019on les obtient, mais pas trop quand m\u00eame pour montrer qu\u2019on en a pas besoin\u2026 En bref, il faut obtenir des cr\u00e9dits, mais ne pas vivre \u00e0 cr\u00e9dit.<\/p>\n<h2>La poule ou l\u2019\u0153uf ?<\/h2>\n<p>Construire son historique de cr\u00e9dit, suppose des dettes \u00e0 rembourser, et leur remboursement syst\u00e9matique \u00e0 l\u2019\u00e9ch\u00e9ance.<\/p>\n<p>Mais comment rembourser ses dettes si pour obtenir un cr\u00e9dit, il faut avoir un Credit Score\u2026 ? Il existe quelques moyens de d\u00e9marrer, en partant de rien :<\/p>\n<h3>1\/ La ligne de cr\u00e9dit garantie<\/h3>\n<p>La banque vous autorise \u00e0 ouvrir une ligne de cr\u00e9dit d\u2019un montant \u00e9gal \u00e0 une somme que vous aurez plac\u00e9e sur un compte \u00e9pargne et qui servira \u00e0 garantir votre cr\u00e9dit. Bien s\u00fbr, cette solution co\u00fbte un peu d\u2019argent (les int\u00e9r\u00eats du cr\u00e9dit octroy\u00e9 sont plus \u00e9lev\u00e9s que les int\u00e9r\u00eats du compte qui rapporte) mais elle permet de d\u00e9marrer.<\/p>\n<h3>2\/ La carte de cr\u00e9dit garantie<\/h3>\n<p>C\u2019est un m\u00e9canisme un peu similaire au pr\u00e9c\u00e9dent utilis\u00e9 par certaines banques : une carte avec une ligne de cr\u00e9dit vous est accord\u00e9e en \u00e9change du montant similaire, consign\u00e9 sur un compte, qui sert de garantie.<\/p>\n<h3>3\/ Etre co-partenaire sur une carte de cr\u00e9dit<\/h3>\n<p>Votre organisme de cr\u00e9dit vous autorise \u00e0 \u00eatre cosignataire sur la carte de cr\u00e9dit d\u2019une autre personne (votre conjoint en g\u00e9n\u00e9ral). Attention, la responsabilit\u00e9 de remboursement est partag\u00e9e entre les deux utilisateurs autoris\u00e9s.<\/p>\n<p>Les\u00a0Canadiens\u00a0utilisent eux aussi ce syst\u00e8me de notation mais au Canada, on parle de Cote de Cr\u00e9dit. D\u00e8s lors, ils n\u2019ont pas besoin d\u2019avoir de cr\u00e9dit score aux USA. Il existe l\u00e0-bas deux agences d&#8217;\u00e9valuation du cr\u00e9dit : <strong>Equifax Canada<\/strong> et Trans Union Canada. Il suffit aux banques bas\u00e9es aux USA de se r\u00e9f\u00e9rer \u00e0 une de ces deux agences pour connaitre la cote de cr\u00e9dit de leur client.<\/p>\n<p>Aux\u00a0USA, votre credit score est g\u00e9r\u00e9 par 3 agences : Equifax, Transunion et Experian. Quand on v\u00e9rifie votre cr\u00e9dit , on envoie votre num\u00e9ro de s\u00e9curit\u00e9 sociale \u00e0 l\u2019une (ou toutes) de ces 3 agences qui r\u00e9pondent par un credit report ou le credit score.<\/p>\n<p><strong>Bon \u00e0 savoir<\/strong>: Vous avez le droit de consulter vos 3 credit report une fois par an sur [webiste]<a href=\"http:\/\/www.annualcreditreport.com\" target=\"_blank\" rel=\"noopener noreferrer\">Annualcreditreport.com<\/a>. C\u2019est gratuit et permet de s\u2019assurer qu\u2019il n\u2019y a pas d\u2019anomalies (mauvaise information, vol d\u2019identit\u00e9,\u2026).<\/p>\n<h2>Vous \u00eates \u00e0 la recherche d&#8217;un comptable\/CPA aux \u00c9tats-Unis? 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