{"id":1472,"date":"2023-03-16T15:29:33","date_gmt":"2023-03-16T15:29:33","guid":{"rendered":"https:\/\/growthcommission.org\/?p=1472"},"modified":"2023-03-16T15:29:33","modified_gmt":"2023-03-16T15:29:33","slug":"4-cosas-que-destruiran-su-calificacion-crediticia","status":"publish","type":"post","link":"https:\/\/growthcommission.org\/es\/4-cosas-que-destruiran-su-calificacion-crediticia\/","title":{"rendered":"4 cosas que destruir\u00e1n su calificaci\u00f3n crediticia"},"content":{"rendered":"<p>En un momento de su vida, necesitar\u00e1 algo de cr\u00e9dito. Tal vez desee iniciar un negocio, ser due\u00f1o de una casa o atender un incidente de emergencia. Incluso con el mejor h\u00e1bito de ahorro, su efectivo puede ser adecuado. Al adquirir un pr\u00e9stamo o una l\u00ednea de cr\u00e9dito, una de las consideraciones es su calificaci\u00f3n crediticia y los puntajes de calificaci\u00f3n crediticia. El lugar en el que se posicione en una escala de calificaci\u00f3n crediticia puede tener un gran impacto.<\/p>\n<h2>\u00bfQu\u00e9 es una calificaci\u00f3n de cr\u00e9dito?<\/h2>\n<p>La calificaci\u00f3n crediticia es la evaluaci\u00f3n de su capacidad para pagar un pr\u00e9stamo o un pasivo sin incumplir. Cada vez que toma una l\u00ednea de cr\u00e9dito, le otorgan algunos puntos conocidos como puntajes de calificaci\u00f3n crediticia. Las instituciones financieras y los acreedores verifican sus puntajes de cr\u00e9dito para determinar si califica para un pr\u00e9stamo o no. Por esta raz\u00f3n, debe prestar atenci\u00f3n a sus calificaciones crediticias. Pero lo m\u00e1s importante de inmediato es evitar comportamientos que reduzcan su puntaje general. Aqu\u00ed hay algunos aspectos que pueden arruinar sus calificaciones crediticias.<\/p>\n<h2>No pagar sus cuentas y deudas a tiempo<\/h2>\n<p>La deuda en s\u00ed misma no tiene por qu\u00e9 da\u00f1ar sus puntajes de cr\u00e9dito, pero s\u00ed lo es cuando no los liquida a tiempo. Muchas personas retrasan el pago de las facturas incluso cuando tienen el dinero para pagarlas. Cuando hace esto, significa que su capacidad para pagar los pr\u00e9stamos es baja. El resultado es una reducci\u00f3n de sus puntajes de cr\u00e9dito. Entonces, cuando los posibles acreedores los vean, es probable que le nieguen algunas deudas. No te pongas en esa situaci\u00f3n si no es necesario. Especialmente porque el mundo nunca ha estado m\u00e1s endeudado que ahora. Puede evitar estas consecuencias mediante el pago oportuno de sus deudas y facturas. Esta pr\u00e1ctica te indicar\u00e1 que tienes un comportamiento de pago de cr\u00e9dito saludable. De esta manera, aumentar\u00e1 su calificaci\u00f3n crediticia y obtendr\u00e1 una mejor posici\u00f3n en una escala crediticia.<\/p>\n<h2>Mantener un saldo alto en la tarjeta de cr\u00e9dito<\/h2>\n<p>A veces, tener una <a href=\"https:\/\/www.rtve.es\/noticias\/20220630\/clientes-pagan-mas-mantener-cuenta-tarjeta-credito\/2386114.shtml\">tarjeta de cr\u00e9dito es inevitable<\/a>. Tendr\u00e1 algunas emergencias que surgir\u00e1n cuando sus ahorros sean muy bajos. Pero a veces, su comportamiento de gasto puede aumentar el saldo de su tarjeta de cr\u00e9dito. Tal saldo consume sus puntajes de cr\u00e9dito. Indica que financias tu vida a trav\u00e9s de las deudas. Como tal, ning\u00fan acreedor trabajar\u00e1 con usted porque lo ven como un cliente de alto riesgo. Para evitar da\u00f1ar su calificaci\u00f3n, considere mantener bajos los saldos de sus tarjetas de cr\u00e9dito. Los expertos financieros aconsejan a los clientes que mantengan siempre este saldo por debajo del 30%. De esta manera, tendr\u00e1 una calificaci\u00f3n crediticia saludable y se convertir\u00e1 en un objetivo para los acreedores.<\/p>\n<h2>Solicitar nuevas tarjetas de cr\u00e9dito regularmente<\/h2>\n<p>Cuando necesita dinero en efectivo y nadie est\u00e1 dispuesto a prestarle, las tarjetas de cr\u00e9dito siempre est\u00e1n disponibles para usted. Caer\u00e1s f\u00e1cilmente en la tentaci\u00f3n. Pero antes de solicitar la nueva tarjeta de cr\u00e9dito, es importante conocer su impacto en sus calificaciones crediticias. Una nueva tarjeta de cr\u00e9dito da\u00f1ar\u00e1 su puntaje de cr\u00e9dito. El impacto ser\u00e1 el mismo ya sea que su solicitud se apruebe o no. Entonces, si no quiere arruinar sus calificaciones, evite obtener nuevas tarjetas de cr\u00e9dito.<\/p>\n<h2>Ignorar la diversificaci\u00f3n crediticia<\/h2>\n<p>Muchas personas tienen una acumulaci\u00f3n de pr\u00e9stamos a corto plazo. Tiene varias tarjetas de cr\u00e9dito, pr\u00e9stamos de emergencia, sobregiros y otros pr\u00e9stamos reembolsables mensuales. Tener este mont\u00f3n de pr\u00e9stamos perjudica su calificaci\u00f3n crediticia. Sin embargo, es dif\u00edcil evitar los pr\u00e9stamos si desea aumentar su patrimonio neto. El secreto de estar endeudado sin da\u00f1ar los puntajes crediticios es la diversificaci\u00f3n crediticia. Este aspecto significa que tiene una combinaci\u00f3n de facilidades de cr\u00e9dito a corto y largo plazo. Como puede ver, las malas pr\u00e1cticas crediticias siempre perjudicar\u00e1n sus calificaciones. Por lo tanto, esfu\u00e9rcese por cambiar su comportamiento de endeudamiento y gasto para mejorar sus calificaciones crediticias.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En un momento de su vida, necesitar\u00e1 algo de cr\u00e9dito. Tal vez desee iniciar un negocio, ser due\u00f1o de una casa o atender un incidente de emergencia. Incluso con el&hellip; <\/p>\n","protected":false},"author":1,"featured_media":1473,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[72,66],"tags":[],"class_list":["post-1472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-estilo-de-vida","category-negocios"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4 cosas que destruir\u00e1n su calificaci\u00f3n crediticia - Growth Commission<\/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:\/\/growthcommission.org\/es\/4-cosas-que-destruiran-su-calificacion-crediticia\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 cosas que destruir\u00e1n su calificaci\u00f3n crediticia - Growth Commission\" \/>\n<meta property=\"og:description\" content=\"En un momento de su vida, necesitar\u00e1 algo de cr\u00e9dito. 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