{"id":7673,"date":"2017-10-03T10:58:29","date_gmt":"2017-10-03T17:58:29","guid":{"rendered":"https:\/\/neweradebtsolutions.com\/como-se-determina-tu-puntuacion-crediticia\/"},"modified":"2024-05-28T11:28:18","modified_gmt":"2024-05-28T18:28:18","slug":"como-se-determina-tu-puntuacion-crediticia","status":"publish","type":"post","link":"https:\/\/neweradebtsolutions.com\/es\/como-se-determina-tu-puntuacion-crediticia\/","title":{"rendered":"\u00bfC\u00f3mo se determina tu puntuaci\u00f3n crediticia?"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p>Si tienes muchas <a href=\"https:\/\/neweradebtsolutions.com\/credit-card-debt-relief\/\">deudas de tarjetas de cr\u00e9dito<\/a>, puede que te est\u00e9s centrando en cu\u00e1l podr\u00eda ser tu primer paso para saldarlas. \u00bfQu\u00e9 debes hacer <em>ahora<\/em>? Pero una vez que has decidido <a href=\"https:\/\/neweradebtsolutions.com\/5-debt-relief-options-to-fix-your-finances-sooner-rather-than-never\/\" target=\"_blank\" rel=\"noopener noreferrer\">cu\u00e1l es la opci\u00f3n de alivio de la deuda adecuada para ti<\/a>, \u00bfqu\u00e9 viene despu\u00e9s?<\/p>\n<p>&nbsp;<\/p>\n<p>Uno de tus pr\u00f3ximos pasos deber\u00eda ser centrarte en tu puntuaci\u00f3n crediticia (junto con la <a href=\"https:\/\/neweradebtsolutions.com\/create-a-budget-to-become-debt-free\/\" target=\"_blank\" rel=\"noopener noreferrer\">creaci\u00f3n y el cumplimiento de un presupuesto<\/a>, por supuesto). Aunque este n\u00famero de 3 cifras no te define, puede influir en tu futuro financiero de algunas maneras profundas.<\/p>\n<p>&nbsp;<\/p>\n<p>Las puntuaciones de cr\u00e9dito son utilizadas por prestamistas, arrendadores, empleadores y otros para determinar la probabilidad de que puedas devolver pr\u00e9stamos o pagar tus facturas a tiempo. Es una medida de tu estabilidad financiera a lo largo del tiempo y, en algunos casos, se utiliza para calibrar tu nivel general de responsabilidad.<\/p>\n<p>&nbsp;<\/p>\n<p>Una puntuaci\u00f3n crediticia baja puede excluirte de pr\u00e9stamos e hipotecas con tipos de inter\u00e9s bajos y de mejores tarifas de seguros de coche, lo que significa que a la larga pagar\u00e1s m\u00e1s que los que tienen puntuaciones crediticias m\u00e1s altas. Incluso los empresarios pueden comprobar tu puntuaci\u00f3n crediticia, de acuerdo con determinadas leyes, al tomar decisiones de contrataci\u00f3n. Aunque ser propietario de una vivienda puede no ser para ti, las puntuaciones bajas pueden afectar al lugar donde vives, ya que los caseros tambi\u00e9n pueden comprobar tu historial crediticio para ver si es probable que pagues el alquiler a tiempo.<\/p>\n<p>&nbsp;<\/p>\n<p>Este sistema parece castigar a las personas con bajos ingresos y a las que se encuentran en una situaci\u00f3n financiera desesperada; <em>sin embargo<\/em>, a\u00fan hay esperanza para que las personas con mala puntuaci\u00f3n crediticia puedan suavizar su historial de cr\u00e9dito.<\/p>\n<p>&nbsp;<\/p>\n<p>Aprender <em>a<\/em> arreglar tu puntuaci\u00f3n de cr\u00e9dito empieza por comprender <em>qu\u00e9<\/em> afecta a tu puntuaci\u00f3n de cr\u00e9dito. Aunque este n\u00famero puede parecer un poco arbitrario, las agencias de informes crediticios -las tres grandes son Equifax, Experian y TransUnion- utilizan f\u00f3rmulas similares para llegar a un n\u00famero entre 300 y 850.<\/p>\n<p>&nbsp;<\/p>\n<p>Aunque puede haber <em>ligeras<\/em> diferencias en el peso que se da a cada factor, he aqu\u00ed un desglose de c\u00f3mo suelen calcular tu puntuaci\u00f3n de cr\u00e9dito las principales agencias de informaci\u00f3n crediticia:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>El historial de pagos<\/strong> tiene el mayor impacto en tu puntuaci\u00f3n crediticia, determinando un <em>35%<\/em>. Esta parte de la f\u00f3rmula tiene en cuenta si has pagado sistem\u00e1ticamente tus facturas a tiempo, cu\u00e1nto te has retrasado (30, 60 o 90 d\u00edas m\u00e1s) en las facturas vencidas, y si tienes acciones legales pendientes, deudas saldadas, o si est\u00e1s o has pasado por alg\u00fan tipo de programa de alivio de la deuda, como por ejemplo  <a href=\"https:\/\/neweradebtsolutions.com\/bankruptcy-debt-settlement\/\" target=\"_blank\" rel=\"noopener noreferrer\">liquidaci\u00f3n de deudas o quiebra<\/a>.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Las cantidades adeudadas<\/strong> representan el <em>30%<\/em> de tu puntuaci\u00f3n. Cuanto menos debas en determinadas cuentas, como tarjetas de cr\u00e9dito, hipotecas y pr\u00e9stamos para autom\u00f3viles, mejor. Las agencias tambi\u00e9n tienen en cuenta la combinaci\u00f3n de tipos de cuenta: lo mejor es una mezcla diversificada.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>La <strong>antig\u00fcedad del historial crediticio<\/strong> se utiliza para calcular el <em>15%<\/em> de tu puntuaci\u00f3n. Las agencias se fijar\u00e1n en la antig\u00fcedad de tu cuenta m\u00e1s antigua y en la antig\u00fcedad media de todas tus cuentas.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Las <strong>nuevas l\u00edneas de<\/strong> cr\u00e9dito representan el <em>10%<\/em> de tu puntuaci\u00f3n. Solicitar numerosas l\u00edneas de cr\u00e9dito a la vez puede enviar una se\u00f1al de alarma a los acreedores, indicando que vas a contraer muchas deudas o que andas corto de dinero. Aunque no solicites un mont\u00f3n de tarjetas de cr\u00e9dito, se tiene en cuenta la fecha de tu \u00faltima cuenta abierta.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Los <strong>tipos de cr\u00e9dito en<\/strong> uso determinan el <em>10% <\/em>de tu puntuaci\u00f3n crediticia. \u00bfCu\u00e1ntas l\u00edneas de cr\u00e9dito tienes abiertas? Qu\u00e9 tipos de cuentas de cr\u00e9dito est\u00e1n abiertas, por ejemplo, hipotecas, tarjetas de cr\u00e9dito, cuentas en tiendas y pr\u00e9stamos a plazos.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/neweradebtsolutions.com\/relieve-stress-debt-becomes-overwhelming\/\" target=\"_blank\" rel=\"noopener noreferrer\">No tienes por qu\u00e9 preocuparte<\/a> si tu puntuaci\u00f3n crediticia est\u00e1 en mal estado. Hay muchas formas de mejorar tu puntuaci\u00f3n, pero recuerda que lleva tiempo. Y aunque algunas malas notas permanecen en tu informe durante siete a\u00f1os o m\u00e1s, el peso que se da a estos factores disminuye con el tiempo. Arreglar tu cr\u00e9dito es s\u00f3lo cuesti\u00f3n de tomar decisiones financieras inteligentes.<\/p>\n<p>&nbsp;<\/p>\n<p><em>New Era Debt Solutions est\u00e1 especializada en la <a href=\"https:\/\/neweradebtsolutions.com\/debt-settlement\/\">liquidaci\u00f3n<\/a> o negociaci\u00f3n de deudas. Desde 1999, hemos ayudado a nuestros clientes a saldar deudas por valor de m\u00e1s de 200 millones de d\u00f3lares. Si quieres ver si la liquidaci\u00f3n de deudas es el primer paso adecuado para ti,  <\/em><a href=\"https:\/\/neweradebtsolutions.com\/contact-us\/\" target=\"_blank\" rel=\"noopener noreferrer\"><br \/>\n  <em>ponte en contacto<\/em><br \/>\n<\/a><em> o rellena el formulario de esta p\u00e1gina para obtener un an\u00e1lisis gratuito de tu deuda. <\/em> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>No tienes por qu\u00e9 preocuparte si tu puntuaci\u00f3n de cr\u00e9dito est\u00e1 en mal estado. Hay muchas formas de mejorar tu puntuaci\u00f3n, pero recuerda que lleva tiempo. Y aunque algunas malas notas permanecen en tu informe durante siete a\u00f1os o m\u00e1s, el peso que se da a estos factores disminuye con el tiempo. Arreglar tu cr\u00e9dito es s\u00f3lo cuesti\u00f3n de tomar decisiones financieras inteligentes.<\/p>\n","protected":false},"author":4,"featured_media":6824,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[147],"tags":[207,174,209,153,150,148,206,205,208],"class_list":["post-7673","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-buen-credito","tag-credito","tag-credito-excelente","tag-deuda","tag-deuda-de-tarjetas-de-credito","tag-liquidacion-de-deudas","tag-mal-credito","tag-puntuacion-crediticia","tag-puntuaciones-de-credito"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfC\u00f3mo se determina tu puntuaci\u00f3n crediticia? - New Era<\/title>\n<meta name=\"description\" content=\"Aprende a calcular tu puntuaci\u00f3n de cr\u00e9dito en New Era Debt Solutions. 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