{"id":4648,"date":"2021-06-25T00:01:50","date_gmt":"2021-06-25T07:01:50","guid":{"rendered":"https:\/\/blog.turbotax.intuit.com\/es\/?p=4648"},"modified":"2021-06-28T15:52:06","modified_gmt":"2021-06-28T22:52:06","slug":"5-maneras-de-aumentar-tu-calificacion-crediticia","status":"publish","type":"post","link":"https:\/\/blog.turbotax.intuit.com\/es\/ingresos-e-inversiones\/5-maneras-de-aumentar-tu-calificacion-crediticia-4648\/","title":{"rendered":"5 maneras de aumentar tu calificaci\u00f3n crediticia"},"content":{"rendered":"

Como dice el refr\u00e1n, \u201cnada es seguro salvo la muerte y los impuestos\u201d, pero lo mismo puede aplicar para tu calificaci\u00f3n crediticia.\u00a0<\/span>\u00a0<\/span><\/p>\n

Tanto si necesitas un pr\u00e9stamo para un\u00a0coche,\u00a0para una vivienda o simplemente m\u00e1s poder adquisitivo, necesitas tener una calificaci\u00f3n crediticia decente para que te aprueben estos pr\u00e9stamos y obtener\u00a0tasas\u00a0m\u00e1s\u00a0bajas\u00a0de inter\u00e9s.<\/span>\u00a0<\/span><\/p>\n

S\u00e9 que es un tema que usualmente no queremos enfrentar, pero si tomas peque\u00f1os pasos y no evitas ocuparte de tu calificaci\u00f3n crediticia, aumentarla\u00a0puede ser m\u00e1s f\u00e1cil\u00a0de lo que te imaginas.\u00a0<\/span>\u00a0<\/span><\/p>\n

Aqu\u00ed hay 5 maneras para ponerte en marcha a una mejor calificaci\u00f3n crediticia:<\/span>\u00a0<\/span><\/p>\n

1.No evites tu informe crediticio<\/span><\/b>– Tienes derecho a un informe crediticio anual totalmente gratis, emitido por tres agencias\u00a0crediticias nacionales- Experian, Equifax y\u00a0TransUnion. Aseg\u00farate de pedir tu informe y comprobar los datos. A menudo puede haber errores en tu informe que\u00a0hacen que tu\u00a0calificaci\u00f3n crediticia\u00a0disminuya. Verifica que no haya pagos atrasados, deudas o limites de cr\u00e9dito reportados err\u00f3neamente.\u00a0Tu calificaci\u00f3n crediticia se determina\u00a0en base a este informe, y juega un papel importante en los prestamos para los que calificas y\u00a0la tasa de\u00a0inter\u00e9s que pagar\u00e1s.\u00a0<\/span>\u00a0<\/span><\/p>\n

Si est\u00e1s considerando hacer una compra importante, como un coche o una vivienda, solicita una copia de tu informe crediticio con algunos meses de anticipaci\u00f3n. Adem\u00e1s, si tienes pendientes facturas peque\u00f1as, como los copagos de facturas m\u00e9dicas que suelen aparecer en tus informes crediticios, primero llama a tu proveedor de servicios m\u00e9dicos o a la agencia de cobros para pagarlas y luego pedirles que las eliminen de tu informe crediticio. Te\u00a0sorprender\u00eda lo mucho que unos pocos copagos de $10 pueden reducir tu calificaci\u00f3n crediticia.\u00a0<\/span>\u00a0<\/span><\/p>\n

Aparte de obtener un informe crediticio gratuito\u00a0por\u00a0una de las tres agencias crediticias nacionales, tambi\u00e9n puedes tener acceso a tu informe crediticio de forma gratuita a trav\u00e9s de\u00a0Mint.\u00a0<\/span>El informe y calificaci\u00f3n crediticia gratuitos de\u00a0Mint<\/span><\/a>\u00a0simplemente requieren que verifiques tu identidad y, una vez verificada, tendr\u00e1s el resumen de tu informe crediticio gratuito en cuesti\u00f3n de minutos.\u00a0<\/span>\u00a0<\/span><\/p>\n

2. Paga la deuda de tu tarjeta de cr\u00e9dito<\/span><\/b>–\u00a0Las deudas de tarjetas de cr\u00e9ditos y utilizarlas al m\u00e1ximo son unos de los factores principales que pueden disminuir tu calificaci\u00f3n crediticia. Cuanto mayor sea el porcentaje del cr\u00e9dito rotativo que estas utilizando, peor es para tu calificaci\u00f3n crediticia. Intenta mantener tus saldos pendientes por debajo del 30% de tu l\u00edmite de cr\u00e9dito, por debajo del 10% es\u00a0incluso\u00a0mejor.\u00a0<\/span>\u00a0<\/span><\/p>\n

Si tienes muchas deudas de tarjetas de cr\u00e9dito, has una lista de todos tus saldos pendientes, paga tu saldo mas bajo y ve escalando hasta llegar al m\u00e1s alto. A medida que vayas pagando tu deuda de tarjeta de cr\u00e9dito m\u00e1s peque\u00f1a, puedes destinar\u00a0el dinero que habr\u00edas pagado por esos saldos bajos que acabas de pagar, al siguiente saldo m\u00e1s alto. Este truco, conocido como el\u00a0<\/span>m\u00e9todo de la bola de nieve para las deudas<\/span><\/a>, realmente funciona para ayudarte a pagar tus\u00a0deudas y aumentar tu calificaci\u00f3n crediticia. Una vez hayas pagado la deuda de tus tarjetas de cr\u00e9dito, aseg\u00farate de no cancelarlas, ya que cancelar estas l\u00edneas de cr\u00e9dito tambi\u00e9n puede reducir tu calificaci\u00f3n crediticia.\u00a0<\/span>\u00a0<\/span><\/p>\n

3. <\/strong>Solicita la eliminaci\u00f3n de pagos atrasados<\/span><\/b>– Si tienes una deuda pendiente que fue reportada por error o realmente se te olvido pagar una factura a tiempo, llama a la compa\u00f1\u00eda que report\u00f3\u00a0el atraso y solicita la eliminaci\u00f3n de esta informaci\u00f3n\u00a0derogatoria.\u00a0El acreedor\u00a0te pedir\u00e1 una carta donde se explique el porqu\u00e9 del atraso o el error. Ellos te\u00a0comunicar\u00e1n\u00a0si eliminar\u00e1n\u00a0o no esta informaci\u00f3n derogatoria.\u00a0<\/span>\u00a0<\/span><\/p>\n

Si tu solicitud es aprobada, siempre pide esta aprobaci\u00f3n por escrito y guardarla\u00a0en\u00a0tus archivos. No te imaginas a cuentas personas he ayudado con su calificaci\u00f3n crediticia, que fueron a comprar una vivienda y descubrieron que un derogatorio pasado, que en alg\u00fan momento fue eliminado hab\u00eda reaparecido.\u00a0<\/span>\u00a0<\/span><\/p>\n

4. No limpies tus saldos para volver a endeudarte<\/span><\/b>– Aseg\u00farate de no invertir todo ese tiempo limpiando y aumentando tu calificaci\u00f3n crediticia s\u00f3lo para obtener esa aprobaci\u00f3n tan esperada del pr\u00e9stamo hipotecario y luego hacer una compra grande a cr\u00e9dito.\u00a0<\/span>\u00a0<\/span><\/p>\n

Es cierto que los prestamistas toman decisiones basada en\u00a0tu calificaci\u00f3n e informe crediticio en el momento de la solicitud, pero volver\u00e1n a analizar estos datos\u00a0no solo despu\u00e9s de la aprobaci\u00f3n del pr\u00e9stamo, tambi\u00e9n justo antes de su cierre. Si en su informe crediticio aparece una compra nueva su pr\u00e9stamo puede verse afectado. Uno de mis clientes pasados, sali\u00f3 y compr\u00f3 un Corvette\u00a0nuevo\u00a0despu\u00e9s de que lo ayud\u00e9 a estabilizar su calificaci\u00f3n crediticia para un pr\u00e9stamo hipotecario. El prestamista hizo una revisi\u00f3n justo antes del cierre, lo que cambi\u00f3 la proporci\u00f3n deuda-capital y afect\u00f3 su pr\u00e9stamo.\u00a0<\/span>\u00a0<\/span><\/p>\n

5. Mejora tu historial de pago<\/span><\/b>– Con todo lo que ha sucedido en este ultimo a\u00f1o, es posible que se te presenten dificultades al momento de pagar tus facturas. No dudes en llamar a tu prestamista o a la compa\u00f1\u00eda de tarjetas de cr\u00e9dito y hacerles saber cualquier problema que est\u00e9s enfrentando. Muchos prestamistas y compa\u00f1\u00edas de tarjetas de cr\u00e9dito est\u00e1n trabajando con personas que se vieron afectadas por el COVID u otros acontecimientos inesperados. Si has experimentado alguna dificultad y has dejado de pagar o tienes alg\u00fan pago atrasado, una vez te recuperes, lo mejor que puedes hacer es empezar a pagar tus facturas a tiempo. Cuanto m\u00e1s pagues tus facturas a tiempo despu\u00e9s de estar retrasado, m\u00e1s aumentar\u00e1\u00a0tu\u00a0calificaci\u00f3n\u00a0crediticia. Los buenos patrones de pago recientes acabaran ocultando los malos.\u00a0<\/span>\u00a0<\/span><\/p>\n

Mejorar tu calificaci\u00f3n crediticia no\u00a0sucede\u00a0de la noche a la ma\u00f1ana, pero si sigues estos consejos estar\u00e1s en marcha a una calificaci\u00f3n crediticia alta que te brindar\u00e1\u00a0tasas de inter\u00e9s m\u00e1s bajas y m\u00e1s dinero en tu bolsillo.\u00a0<\/span>\u00a0<\/span><\/p>\n

Consulta\u00a0<\/span>Mint<\/span><\/a>, donde puedes obtener tu\u00a0calificaci\u00f3n crediticia totalmente\u00a0gratis, un resumen de\u00a0tu\u00a0informe crediticio\u00a0y una explicaci\u00f3n de c\u00f3mo se ha calculado\u00a0tu calificaci\u00f3n crediticia.<\/span>\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

As the saying goes, “nothing is certain but death and taxes”, but the same can hold true for your credit score. Whether you need a car loan, home loan, or more buying power, you need to have a decent credit score to be approved for a loan and get lower interest rates. Here are 5 ways to get you on your way to a better credit score.<\/p>\n","protected":false},"author":27112919,"featured_media":4649,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rkv_browse_by_id":0,"rkv_cta_id":0,"rkv_optimize_for_pagespeed":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"useModifiedDate":false,"customPublishDate":"","rkv_show_reading_progress":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false},"categories":[26],"tags":[106,321,69],"intuit_collection":[],"intuit_series":[],"tt_tax_year":[],"coauthors":[],"class_list":["post-4648","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ingresos-e-inversiones","tag-consejos-financieros","tag-consejos-tributarios-y-de-ahorro-para-el-verano","tag-gestion-de-deudas"],"yoast_head":"\n5 maneras de aumentar tu calificaci\u00f3n crediticia | TurboTax Blog Espa\u00f1ol<\/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:\/\/blog.turbotax.intuit.com\/es\/ingresos-e-inversiones\/5-maneras-de-aumentar-tu-calificacion-crediticia-4648\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 maneras de aumentar tu calificaci\u00f3n crediticia | TurboTax Blog Espa\u00f1ol\" \/>\n<meta property=\"og:description\" content=\"As the saying goes, "nothing is certain but death and taxes", but the same can hold true for your credit score. Whether you need a car loan, home loan, or more buying power, you need to have a decent credit score to be approved for a loan and get lower interest rates. Here are 5 ways to get you on your way to a better credit score.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.turbotax.intuit.com\/es\/ingresos-e-inversiones\/5-maneras-de-aumentar-tu-calificacion-crediticia-4648\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog en Espa\u00f1ol\" \/>\n<meta property=\"article:published_time\" content=\"2021-06-25T07:01:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-06-28T22:52:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.turbotax.intuit.com\/es\/wp-content\/uploads\/sites\/2\/2021\/06\/credit-card.png\" \/>\n\t<meta property=\"og:image:width\" content=\"611\" \/>\n\t<meta property=\"og:image:height\" content=\"609\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Lisa Greene-Lewis\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta 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