{"id":10166,"date":"2024-10-17T08:38:21","date_gmt":"2024-10-17T15:38:21","guid":{"rendered":"https:\/\/www.emboldcu.org\/?p=10166"},"modified":"2024-10-17T08:38:21","modified_gmt":"2024-10-17T15:38:21","slug":"7-ways-to-protect-your-credit-score","status":"publish","type":"post","link":"https:\/\/www.emboldcu.org\/es\/blog\/financial-education\/7-ways-to-protect-your-credit-score\/","title":{"rendered":"7 maneras de proteger su puntuaci\u00f3n de cr\u00e9dito"},"content":{"rendered":"

Su puntuaci\u00f3n crediticia es un n\u00famero de tres cifras que los acreedores utilizan para evaluar la probabilidad que tiene de devolver sus pr\u00e9stamos. Una puntuaci\u00f3n alta puede ayudarle a obtener los tipos de inter\u00e9s m\u00e1s bajos y le da la posibilidad de pedir dinero prestado para compras.\u00a0<\/span>\u00a0<\/span><\/p>\n

He aqu\u00ed siete cosas que puede hacer para asegurarse de que su puntuaci\u00f3n crediticia se mantiene sana:\u00a0<\/span>\u00a0<\/span><\/p>\n

    \n
  1. Paga tus deudas a tiempo.<\/span><\/b> Su capacidad para evitar retrasos o impagos es el factor m\u00e1s importante (35%) a la hora de calcular su puntuaci\u00f3n crediticia. Los prestamistas consideran estos h\u00e1bitos como un riesgo y, por tanto, se reflejan en una puntuaci\u00f3n crediticia m\u00e1s baja.<\/span><\/li>\n<\/ol>\n
      \n
    1. Solicite un nuevo cr\u00e9dito s\u00f3lo cuando lo necesite.<\/span><\/b> El 10% de su puntuaci\u00f3n crediticia viene determinado por el n\u00famero de cuentas de cr\u00e9dito nuevas que ha abierto y el n\u00famero de veces que los prestamistas han comprobado su cr\u00e9dito. Otro 15% de su puntuaci\u00f3n viene determinado por la antig\u00fcedad de su historial crediticio. Cuando a\u00f1ade una nueva cuenta a la mezcla, la antig\u00fcedad media de sus cuentas de cr\u00e9dito disminuye.\u00a0<\/span><\/li>\n<\/ol>\n
        \n
      1. Considera la posibilidad de mantener abierta tu primera tarjeta de cr\u00e9dito.<\/span><\/b> Todos recordamos nuestra primera tarjeta de cr\u00e9dito y, con el tiempo, llega un momento en que el l\u00edmite de gasto de la misma es tan bajo que la utilizamos poco y hemos pasado a tarjetas m\u00e1s grandes y mejores. Aunque haya dejado de utilizar su primera tarjeta de cr\u00e9dito, es una buena idea mantenerla abierta. Esto ayudar\u00e1 al 15% de su puntuaci\u00f3n que proviene de la duraci\u00f3n de su historial de cr\u00e9dito. Tambi\u00e9n ayudar\u00e1 a la parte a\u00fan mayor (30%) de su puntuaci\u00f3n que se basa en su ratio de utilizaci\u00f3n: la deuda de su tarjeta de cr\u00e9dito en relaci\u00f3n con su cr\u00e9dito total disponible.<\/span><\/li>\n<\/ol>\n
          \n
        1. Sepa por qui\u00e9n firma.<\/span><\/b> Tenga cuidado a la hora de avalar un pr\u00e9stamo, incluso para miembros de su familia, a menos que est\u00e9 dispuesto y sea capaz de asumir los pagos m\u00e1s adelante, si fuera necesario. El impago puede afectar negativamente a su calificaci\u00f3n crediticia.\u00a0<\/span><\/li>\n<\/ol>\n
            \n
          1. Proteja su informaci\u00f3n personal.<\/span><\/b> Tenga mucho cuidado al dar su n\u00famero de la Seguridad Social, fecha de nacimiento, n\u00fameros de tarjetas de cr\u00e9dito y otros datos personales. Utilice sitios web seguros y tenga cuidado con las llamadas telef\u00f3nicas. No dejes papeles con esta informaci\u00f3n por ah\u00ed, trit\u00faralos.\u00a0<\/span><\/li>\n<\/ol>\n
              \n
            1. Controle regularmente todas sus cuentas.<\/span><\/b> Aunque no las utilices, comprueba cada cuenta para asegurarte de que no hay cargos, como cuotas anuales, y de que nadie est\u00e1 utilizando tu tarjeta de forma fraudulenta. Solicite un informe de cr\u00e9dito gratuito en annualcreditreport.com, el \u00fanico sitio autorizado por la Comisi\u00f3n Federal de Comercio. Escalone sus informes de las tres agencias de informaci\u00f3n de modo que reciba un informe cada cuatro meses.\u00a0<\/span><\/li>\n<\/ol>\n
                \n
              1. Sea diligente.<\/span><\/b> Aseg\u00farese de que la buena puntuaci\u00f3n crediticia que tanto le ha costado conseguir se mantenga.\u00a0<\/span><\/li>\n<\/ol>\n

                Proteger su puntuaci\u00f3n de cr\u00e9dito es esencial para mantener su salud financiera y desbloquear futuras oportunidades. Comprobando regularmente su informe crediticio, efectuando los pagos a tiempo, manteniendo baja la utilizaci\u00f3n de su cr\u00e9dito y evitando las consultas dif\u00edciles innecesarias, puede construir una base crediticia s\u00f3lida. Recuerde que una buena puntuaci\u00f3n crediticia no s\u00f3lo le ayuda a obtener mejores condiciones de pr\u00e9stamo, sino que tambi\u00e9n mejora su estabilidad financiera. Mant\u00e9ngase proactivo e informado para salvaguardar su cr\u00e9dito y asegurarse de que est\u00e1 en la mejor posici\u00f3n para alcanzar sus objetivos financieros.<\/span>\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"

                Su puntuaci\u00f3n crediticia es un n\u00famero de tres cifras que los acreedores utilizan para evaluar la probabilidad que tiene de devolver sus pr\u00e9stamos. Una puntuaci\u00f3n alta puede ayudarle a... Lee mas<\/a><\/p>","protected":false},"author":32,"featured_media":9054,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-10166","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-education"],"acf":[],"yoast_head":"\n7 Ways to Protect Your Credit Score | Embold Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.emboldcu.org\/es\/blog\/financial-education\/7-ways-to-protect-your-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"7 Ways to Protect Your Credit Score\" \/>\n<meta property=\"og:description\" content=\"Your credit score is a three-digit number that creditors use to assess how likely you are to repay your loans. 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