{"id":7059,"date":"2023-07-25T00:00:00","date_gmt":"2023-07-25T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/6-facons-de-retablir-votre-cote-de-solvabilite\/"},"modified":"2024-01-26T20:32:28","modified_gmt":"2024-01-26T20:32:28","slug":"6-facons-de-retablir-votre-cote-de-solvabilite","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/6-facons-de-retablir-votre-cote-de-solvabilite\/","title":{"rendered":"6 fa\u00e7ons de r\u00e9tablir votre cote de solvabilit\u00e9"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/credit-et-dette\/\">\n\t\t\t\t\t\t\t<span>cr\u00e9dit et dette<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">6 fa\u00e7ons de r\u00e9tablir votre cote de solvabilit\u00e9<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Amanda Reaume<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-14T125307.372.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Un homme ayant une copie imprim\u00e9e de son rapport de solvabilit\u00e9 examine ses finances en ligne\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-14T125307.372.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-14T125307.372.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-14T125307.372.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=6 fa\u00e7ons de r\u00e9tablir votre cote de solvabilit\u00e9 &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/6-facons-de-retablir-votre-cote-de-solvabilite\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/6-facons-de-retablir-votre-cote-de-solvabilite\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 25 juillet 2023 \u2022 4 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Que vous ayez toujours eu du mal \u00e0 maintenir une bonne cote de solvabilit\u00e9 ou que celle-ci ait r\u00e9cemment diminu\u00e9 \u00e0 cause d&rsquo;une accumulation de dettes, le fait de savoir comment la r\u00e9tablir est une \u00e9tape importante pour regagner votre confiance financi\u00e8re.<\/p>\n\n\n\n<p>Un peu comme une note dans un bulletin scolaire, votre cote de solvabilit\u00e9 \u00e9volue en fonction de plusieurs facteurs. Elle se constitue au fil de temps et est influenc\u00e9e par l&rsquo;effet cumulatif de comportements r\u00e9p\u00e9t\u00e9s. Une bonne compr\u00e9hension des \u00e9tapes \u00e0 suivre vous aidera \u00e0 vous engager sur la voie de son am\u00e9lioration.<\/p>\n\n\n\n<p>Voici six conseils qui devraient vous \u00eatre utiles :<\/p>\n\n\n\n<p><b>1. V\u00e9rifiez votre rapport de solvabilit\u00e9. <\/b>Pour r\u00e9tablir votre cote de solvabilit\u00e9, vous devez d&rsquo;abord savoir o\u00f9 vous en \u00eates aujourd&rsquo;hui. Il se peut qu&rsquo;elle ne soit pas aussi mauvaise que vous le pensez. Demandez une copie de votre rapport de solvabilit\u00e9 \u00e0 Equifax ou \u00e0 TransUnion en ligne ou par t\u00e9l\u00e9phone. Il est \u00e9galement conseill\u00e9 de v\u00e9rifier aupr\u00e8s de votre banque qui peut offrir un tel service gratuitement. Examinez attentivement votre dossier afin de d\u00e9terminer pourquoi votre cote a baiss\u00e9.<\/p>\n\n\n\n<p>Si vous relevez des erreurs, signalez-les imm\u00e9diatement, car elles risquent de se r\u00e9percuter n\u00e9gativement sur votre cote.<\/p>\n\n\n\n<p><b>2. Payez vos factures \u00e0 temps.<\/b> L&rsquo;un des principaux aspects pour am\u00e9liorer votre cote de solvabilit\u00e9, c&rsquo;est d&rsquo;effectuer vos paiements \u00e0 temps. Les retards peuvent nuire \u00e0 votre cote, d&rsquo;autant plus s&rsquo;ils sont importants, puisque la cr\u00e9ance est alors parfois transmise \u00e0 une agence de recouvrement. Un bon moyen d&rsquo;\u00e9viter les retards est de configurer des pr\u00e9l\u00e8vements automatiques \u00e0 l&rsquo;aide des services bancaires en ligne.<\/p>\n\n\n\n<p><b>3. Diminuez votre ratio solde impay\u00e9-limite de cr\u00e9dit.<\/b> Un autre facteur d\u00e9terminant dans le calcul de votre cote de solvabilit\u00e9 est votre ratio d&rsquo;utilisation du cr\u00e9dit, c&rsquo;est-\u00e0-dire le pourcentage de cr\u00e9dit disponible que vous avez utilis\u00e9. Il convient de noter que ce pourcentage a une incidence sur votre cote et qu&rsquo;id\u00e9alement, il devrait \u00eatre inf\u00e9rieur \u00e0 30 %. Par exemple, si vous avez une limite de cr\u00e9dit de 5 000 $, vous devriez maintenir votre solde en de\u00e7\u00e0 de 1 500 $.<\/p>\n\n\n\n<p><b>4. Ayez recours au cr\u00e9dit, mais intelligemment.<\/b> Souvent, les gens qui tentent de r\u00e9tablir ou de rehausser leur cote de solvabilit\u00e9 pensent qu&rsquo;il est pr\u00e9f\u00e9rable d&rsquo;utiliser de l&rsquo;argent comptant et de garder le solde de leurs cartes de cr\u00e9dit bas. C&rsquo;est bien vrai pour le niveau du solde, mais le fait de montrer aux pr\u00eateurs que vous \u00eates capable d&rsquo;utiliser le cr\u00e9dit de mani\u00e8re responsable est tout aussi important. Avoir recours au cr\u00e9dit et effectuer les paiements p\u00e9riodiques requis contribue \u00e0 prouver votre solvabilit\u00e9.<\/p>\n\n\n\n<p><b>5. Ajoutez votre loyer.<\/b> Si vous \u00eates actuellement locataire et que vous vivez hors Qu\u00e9bec, vous pouvez demander que vos paiements de loyer soient ajout\u00e9s \u00e0 votre rapport de solvabilit\u00e9 d&rsquo;Equifax. Si vous faites vos paiements comme il se doit, votre cote devrait s&rsquo;am\u00e9liorer plus rapidement.<\/p>\n\n\n\n<p><b>6. Faites des v\u00e9rifications r\u00e9guli\u00e8res. <\/b>Equifax et TransUnion mettent \u00e0 jour les rapports de solvabilit\u00e9 sur une base mensuelle, ce qui facilite le suivi de votre cote. Il est recommand\u00e9 de r\u00e9server du temps pour v\u00e9rifier votre rapport de solvabilit\u00e9 au moins une fois par ann\u00e9e.<\/p>\n\n\n\n<p>Une bonne cote de solvabilit\u00e9 fait partie int\u00e9grante de votre bien-\u00eatre financier global, car c&rsquo;est l&rsquo;un des \u00e9l\u00e9ments que les pr\u00eateurs examinent pour d\u00e9terminer votre solvabilit\u00e9. Que vous envisagiez d&rsquo;acheter une maison ou une nouvelle voiture, une cote de solvabilit\u00e9 \u00e9lev\u00e9e vous aidera \u00e0 obtenir des conditions plus favorables sur un pr\u00eat, notamment hypoth\u00e9caire. Si votre cote n&rsquo;est pas \u00e0 la hauteur de vos esp\u00e9rances, commencez par suivre ces six \u00e9tapes simples.<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block inner-section-grey section-inner\" style=\"border-radius:0x\">\n<p>Vous aimeriez conna\u00eetre votre cote de solvabilit\u00e9 actuelle ? Les clients de RBC Banque en direct peuvent consulter leur\u00a0<a href=\"https:\/\/www.rbcroyalbank.com\/dms\/olb\/credit-score\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\">rapport de solvabilit\u00e9 gratuitement<\/a>.<a href=\"https:\/\/decouverte.rbcbanqueroyale.com\/6-facons-de-retablir-votre-cote-de-solvabilite\/#rds-legal-collapsible\"><\/p>\n<\/div>\n<\/section>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-43e682e5-c44c-4321-b614-c3f11b6be1fa\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=6 fa\u00e7ons de r\u00e9tablir votre cote de solvabilit\u00e9 &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/6-facons-de-retablir-votre-cote-de-solvabilite\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/6-facons-de-retablir-votre-cote-de-solvabilite\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-1416cf3e-43b3-460b-9b55-2b1b6bc1ddce\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/credit-et-dette\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">cr\u00e9dit et dette<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-1488068802_7ec61f.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Main arr\u00eatant des dominos qui tombent \u00e0 c\u00f4t\u00e9 d&#039;une tirelire, symbolisant la protection financi\u00e8re et la stabilit\u00e9 de l&#039;\u00e9pargne\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-1488068802_7ec61f.jpg 2309w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-1488068802_7ec61f.jpg?resize=300,169 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-1488068802_7ec61f.jpg?resize=768,432 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-1488068802_7ec61f.jpg?resize=1024,576 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-1488068802_7ec61f.jpg?resize=1536,864 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-1488068802_7ec61f.jpg?resize=2048,1152 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/\">\n\t\t\t\t\t\t\u00c9tablissement du budget\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/comment-etablir-un-budget-qui-vous-aide-reellement-a-epargner\/\" class=\"card-title h4 mar-t-0\">Comment \u00e9tablir un budget qui vous aide r\u00e9ellement \u00e0 \u00e9pargner<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/Tax-Scams-Article-Image-2.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Jeune femme regardant un ordinateur.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/Tax-Scams-Article-Image-2.jpg 1000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/Tax-Scams-Article-Image-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/Tax-Scams-Article-Image-2.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/cybersecurite\/comprendre-la-cybersecurite\/\">\n\t\t\t\t\t\tComprendre la cybers\u00e9curit\u00e9\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/cybersecurite\/comprendre-la-cybersecurite\/reperer-les-escroqueries-les-escroqueries-fiscales-courantes\/\" class=\"card-title h4 mar-t-0\">Rep\u00e9rer les escroqueries : les escroqueries fiscales courantes<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Femme tapant sur un ordinateur lors de la r\u00e9vision d\u2019un \u00e9tat financier.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg 1000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 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