Checking a consumer’s credit rating before offering services is a widespread practice in Quebec. Thus, a negative entry in the credit file can deprive the consumer of certain services (mortgage loan, housing, insurance, car rental) or impose more onerous conditions (higher interest rate, higher insurance premium). If the victim of an erroneous or unjustified negative entry can be compensated for the damage resulting from his loss of solvency, several pitfalls still stand before him, whether in terms of proof of fault, damage or the causal link.