{"id":4044,"date":"2024-01-18T11:16:56","date_gmt":"2024-01-18T16:16:56","guid":{"rendered":"https:\/\/patriotfcu.pixelspoke-staging.com\/?p=4044"},"modified":"2024-05-02T11:54:51","modified_gmt":"2024-05-02T15:54:51","slug":"formas-de-mejorar-su-credito-en-el-nuevo-ano","status":"publish","type":"post","link":"https:\/\/www.patriotfcu.org\/es\/blog\/ways-to-improve-your-credit-in-the-new-year\/","title":{"rendered":"Formas de mejorar su cr\u00e9dito en el nuevo a\u00f1o"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__blog-post-hero\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<header class=\"single_post--header co-post_hero light co-page_hero__has_image\" aria-label=\"Encabezado de la publicaci\u00f3n: Formas de mejorar su cr\u00e9dito en el nuevo a\u00f1o\">\n\t\t<h1 class=\"single_post--title\">Formas de mejorar su cr\u00e9dito en el nuevo a\u00f1o<\/h1>\n\t\t<p class=\"single_post--category\"><a href=\"https:\/\/www.patriotfcu.org\/es\/blog\/category\/personal-finance\/\" rel=\"category tag\">Finanzas personales<\/a><\/p>\n\t\t<p class=\"single_post--date\">enero 18, 2024<\/p>\n\t\t<div class=\"single_post--social-share\">Compartir en<div class=\"co-social_share a2a_kit a2a_default_style\">\n\t\t\t<a\n\t\t\tclass=\"co-social--link\t\t\t\tjs-share_button\t\t\t\ttrusted\"\n\t\t\tdata-shareurl=\"https:\/\/www.patriotfcu.org\/es\/blog\/ways-to-improve-your-credit-in-the-new-year\/\"\n\t\t\tdata-sharetitle=\"Ways to Improve Your Credit in the New Year\"\n\t\t\tdata-shareservice=\"facebook\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.738\" height=\"32.746\" viewbox=\"0 0 17.738 32.746\">\n  <path id=\"Path_690\" data-name=\"Path 690\" d=\"M89.242,351.968H83.868c-.59,0-1.269.715-1.269,1.787V356.4h6.648v6.648H82.6v15.013h-6.21V363.049h-4.88V356.4h4.88v-2.59c0-4.469,3.355-8.494,7.479-8.494h5.374Z\" transform=\"translate(-71.509 -345.317)\" fill=\"#2b6ea5\"\/>\n<\/svg>\n\t\t<\/a>\n\t\t\t\t<a\n\t\t\tclass=\"co-social--link\t\t\t\tjs-share_button\t\t\t\ttrusted\"\n\t\t\tdata-shareurl=\"https:\/\/www.patriotfcu.org\/es\/blog\/ways-to-improve-your-credit-in-the-new-year\/\"\n\t\t\tdata-sharetitle=\"Ways to Improve Your Credit in the New Year\"\n\t\t\tdata-shareservice=\"linkedin\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29.324\" height=\"29.282\" viewbox=\"0 0 29.324 29.282\">\n  <path id=\"Path_689\" data-name=\"Path 689\" d=\"M496.424,377.52h-6.047V358h6.047Zm-3.048-22.078a3.6,3.6,0,1,1,3.571-3.632v.032a3.587,3.587,0,0,1-3.571,3.6m25.692,22.078h-6.012V367.272c0-2.81-1.069-4.379-3.29-4.379-2.421,0-3.681,1.635-3.681,4.379v10.248h-5.8V358h5.8v2.629a6.8,6.8,0,0,1,5.879-3.225c4.141,0,7.1,2.528,7.1,7.756Z\" transform=\"translate(-489.743 -348.239)\" fill=\"#2b6ea5\"\/>\n<\/svg>\n\t\t<\/a>\n\t\t<\/div><\/div>\n\t\t\t\t<div class=\"single_post--img_wrap\">\n\t\t\t<div class=\"single_post--img_wrap\"><img loading=\"lazy\" decoding=\"async\" width=\"1100\" height=\"721\" src=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-22.jpg\" class=\"attachment-full size-full\" alt=\"Mujer con computadora port\u00e1til sentada en una bolsa de frijoles\"  srcset=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-22.jpg 1100w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-22-540x354.jpg 540w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-22-730x478.jpg 730w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-22-768x503.jpg 768w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-22-18x12.jpg 18w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-22-396x260.jpg 396w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-22-800x524.jpg 800w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-22-75x49.jpg 75w\" sizes=\"auto, (max-width: 1100px) 100vw, 1100px\" \/><\/div>\t\t<\/div>\n\t\t<p class=\"single_post--summary\">\n\t\t\tMientras nos preparamos para el nuevo a\u00f1o, ahora es el momento perfecto para reflexionar sobre nuestros h\u00e1bitos financieros y establecer metas de mejora. Un aspecto crucial de su salud fiscal general es su cr\u00e9dito. Su puntaje crediticio es un factor cr\u00edtico para determinar su bienestar financiero, lo que afecta su capacidad para obtener aprobaci\u00f3n para pr\u00e9stamos, comprar una casa o incluso conseguir un trabajo en algunos casos. Si mejorar su cr\u00e9dito es una de sus resoluciones financieras para el pr\u00f3ximo a\u00f1o, estamos aqu\u00ed para ayudarlo con algunos consejos que lo guiar\u00e1n en su camino hacia un mejor cr\u00e9dito.\t\t<\/p>\n\t<\/header><!-- .entry_header -->\n\t\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__long-form-text\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-long_form\">\n\t\t\t\t\t<div class=\"co-long_form--block co-long_form--block__nomedia prow items-start justify-center\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:8\">\n\t\t\t\t\t<div class=\"co-long_form--content\"><h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Pagar la deuda<\/strong><\/h2>\n<p>Una de las formas m\u00e1s efectivas de mejorar su puntaje crediticio es reducir los saldos pendientes de su tarjeta de cr\u00e9dito y otros pr\u00e9stamos. Los saldos de deuda elevados en proporci\u00f3n a sus l\u00edmites de cr\u00e9dito pueden afectar negativamente su \u00edndice de utilizaci\u00f3n de cr\u00e9dito (un factor clave en el c\u00e1lculo de su puntaje crediticio).<\/p>\n<p>Primero, fije su objetivo en pagar las deudas con intereses altos. Si tiene varias tarjetas de cr\u00e9dito o pr\u00e9stamos, considere un pr\u00e9stamo de consolidaci\u00f3n para combinar varios saldos en una opci\u00f3n de inter\u00e9s m\u00e1s bajo con un solo pago mensual.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Disputar cualquier error<\/strong><\/h2>\n<p>Revisar peri\u00f3dicamente su informe crediticio es un paso esencial para mejorar su cr\u00e9dito. Le permite identificar y corregir cualquier error que pueda estar afectando su puntuaci\u00f3n. Los errores en su informe crediticio son m\u00e1s comunes de lo que piensa. Estos pueden incluir cualquier cosa, desde pagos atrasados informados de manera inexacta hasta cuentas que ni siquiera le pertenecen. Si nota alguna discrepancia en su informe, disc\u00fatala con las agencias de cr\u00e9dito de inmediato. Hacerlo garantizar\u00e1 que su informe crediticio refleje con precisi\u00f3n su historial financiero.<\/p>\n<p>Si bien existen muchas aplicaciones y sitios web que ofrecen acceso a su puntaje crediticio, pocos muestran su informe completo. Para obtener una copia gratuita de su informe de cr\u00e9dito anualmente, visite\u00a0<a href=\"http:\/\/www.annualcreditreport.com\/\"><strong>www.AnnualCreditReport.com<\/strong><\/a>.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Pague a tiempo<\/strong><\/h2>\n<p>Pagar sus facturas a tiempo es un aspecto fundamental para mantener un buen cr\u00e9dito. Los pagos atrasados, especialmente cuando se convierten en un h\u00e1bito, pueden causar un da\u00f1o significativo a su puntaje crediticio. Considere configurar pagos autom\u00e1ticos o recordatorios de pago para evitar perder fechas de vencimiento o incurrir en cargos por pagos atrasados. Los pagos puntuales y constantes demuestran responsabilidad financiera ante los prestamistas y contribuyen positivamente a su historial de pagos, otro factor cr\u00edtico en el c\u00e1lculo de su puntaje crediticio.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Agregue a su combinaci\u00f3n de cr\u00e9dito<\/strong><\/h2>\n<p>Los modelos de calificaci\u00f3n crediticia consideran la variedad de cuentas de cr\u00e9dito diferentes que tiene, como tarjetas de cr\u00e9dito, pr\u00e9stamos para autom\u00f3viles, hipotecas, etc. Una combinaci\u00f3n de cr\u00e9dito diversa puede tener un efecto positivo en su calificaci\u00f3n crediticia. Considere agregar un tipo diferente de cuenta de cr\u00e9dito a su cartera si tiene sentido para su situaci\u00f3n financiera actual. Pero recuerda, es fundamental utilizar este cr\u00e9dito de manera responsable para ver la mejora deseada en tu puntaje.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Mantenga abiertas las cuentas antiguas<\/strong><\/h2>\n<p>La duraci\u00f3n de su historial crediticio es otro factor que influye en su puntaje crediticio. Cerrar cuentas de cr\u00e9dito antiguas puede acortar su historial crediticio y afectar negativamente su puntaje. Incluso si no est\u00e1 utilizando activamente una tarjeta de cr\u00e9dito antigua, considere mantenerla abierta de todos modos para permitirle preservar la duraci\u00f3n de su historial crediticio y fortalecer su perfil crediticio.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Pedir prestado s\u00f3lo cuando sea necesario<\/strong><\/h2>\n<p>Las compa\u00f1\u00edas de tarjetas de cr\u00e9dito intentan constantemente atraerlo para que abra una nueva tarjeta con recompensas y la promesa de otros beneficios. Si bien estas ofertas pueden resultar atractivas, s\u00f3lo debes abrir nuevos pr\u00e9stamos o tarjetas de cr\u00e9dito cuando sea necesario. En primer lugar, los nuevos pr\u00e9stamos ofrecen la oportunidad de contraer m\u00e1s deudas, lo que puede reducir su puntuaci\u00f3n. En segundo lugar, aparecer\u00e1 una consulta exhaustiva en su informe crediticio cada vez que solicite un pr\u00e9stamo y reduzca ligeramente su puntaje. Si solicita varios pr\u00e9stamos o tarjetas de cr\u00e9dito en un per\u00edodo corto, los prestamistas pueden creer que tiene problemas financieros.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>\u00a1Estamos aqu\u00ed para ayudar!<\/strong><\/h2>\n<p>Mejorar su puntaje crediticio no es una haza\u00f1a que pueda lograr de la noche a la ma\u00f1ana, sino m\u00e1s bien un proceso gradual que requiere esfuerzo constante y responsabilidad financiera. Al incorporar estos consejos a su rutina financiera, podr\u00e1 encaminarse hacia un mejor cr\u00e9dito y un mayor bienestar en el nuevo a\u00f1o. Recuerde, generar cr\u00e9dito no se trata s\u00f3lo de la cantidad de su puntaje: se trata de cultivar h\u00e1bitos financieros saludables que durar\u00e1n durante todo el a\u00f1o y toda su vida.<\/p>\n<p>Si desea obtener m\u00e1s informaci\u00f3n sobre c\u00f3mo la consolidaci\u00f3n de deuda puede ayudarlo a eliminar las deudas con intereses altos, estamos preparados para ayudarlo. Visite cualquiera de nuestras sucursales convenientes o llame al 888-777-9982 para hablar con un miembro del equipo hoy.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__last co-flex_row__disclosures\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-disclosures\">\n\t\t<h2 class=\"co-disclosures--title\">Divulgaciones<\/h2>\n\t\t<div class=\"co-disclosures--content\">\n\t\t\t\t\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Esta cooperativa de cr\u00e9dito est\u00e1 asegurada a nivel federal por la Administraci\u00f3n Nacional de Cooperativas de Cr\u00e9dito.<\/p>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Prestamista de vivienda equitativa<\/p>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\n\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":11,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[23],"tags":[],"class_list":["post-4044","post","type-post","status-publish","format-standard","hentry","category-personal-finance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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