{"id":5362,"date":"2024-12-16T08:00:00","date_gmt":"2024-12-16T13:00:00","guid":{"rendered":"https:\/\/www.patriotfcu.org\/?p=5362"},"modified":"2025-05-15T09:42:46","modified_gmt":"2025-05-15T13:42:46","slug":"revise-su-salud-crediticia-antes-de-las-vacaciones","status":"publish","type":"post","link":"https:\/\/www.patriotfcu.org\/es\/blog\/revise-su-salud-crediticia-antes-de-las-vacaciones\/","title":{"rendered":"Revise su salud crediticia antes de las vacaciones"},"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:Revise su salud crediticia antes de las vacaciones\">\n\t\t<h1 class=\"single_post--title\">Revise su salud crediticia antes de las vacaciones<\/h1>\n\t\t<p class=\"single_post--category\"><a href=\"https:\/\/www.patriotfcu.org\/es\/blog\/categoria\/finanzas-personales\/\" rel=\"category tag\">Finanzas personales<\/a><\/p>\n\t\t<p class=\"single_post--date\">16 de diciembre de 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\/revise-su-salud-crediticia-antes-de-las-vacaciones\/\"\n\t\t\tdata-sharetitle=\"Check Your Credit Health Before the Holidays\"\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\/revise-su-salud-crediticia-antes-de-las-vacaciones\/\"\n\t\t\tdata-sharetitle=\"Check Your Credit Health Before the Holidays\"\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=\"1170\" height=\"780\" src=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Check-Your-Credit-Health-Before-the-Holidays.jpg\" class=\"attachment-full size-full\" alt=\"Mujer sonriendo frente a una computadora port\u00e1til y escribiendo algo en su cuaderno\"  srcset=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Check-Your-Credit-Health-Before-the-Holidays.jpg 1170w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Check-Your-Credit-Health-Before-the-Holidays-540x360.jpg 540w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Check-Your-Credit-Health-Before-the-Holidays-730x487.jpg 730w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Check-Your-Credit-Health-Before-the-Holidays-768x512.jpg 768w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Check-Your-Credit-Health-Before-the-Holidays-18x12.jpg 18w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Check-Your-Credit-Health-Before-the-Holidays-396x264.jpg 396w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Check-Your-Credit-Health-Before-the-Holidays-800x533.jpg 800w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Check-Your-Credit-Health-Before-the-Holidays-75x50.jpg 75w\" sizes=\"auto, (max-width: 1170px) 100vw, 1170px\" \/><\/div>\t\t<\/div>\n\t\t<p class=\"single_post--summary\">\n\t\t\tLa temporada de fiestas es una de las \u00e9pocas m\u00e1s ajetreadas del a\u00f1o. Entre planes de viaje, eventos, compras y decoraci\u00f3n, te sentir\u00e1s como si te estuvieran llevando en un mill\u00f3n de direcciones diferentes. Sin embargo, hay una tarea que no debes pasar por alto: revisar tu salud crediticia. Si bien la temporada de fiestas es ajetreada, tambi\u00e9n es financieramente exigente. Muchos gastos surgen hacia fin de a\u00f1o y tu calificaci\u00f3n crediticia puede jugar un papel importante. En este art\u00edculo, explicaremos por qu\u00e9 es importante revisar tu cr\u00e9dito antes de las fiestas y revelaremos los pasos para comenzar el nuevo a\u00f1o con el pie derecho en lo financiero.\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:12\">\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>\u00bfPor qu\u00e9 realizar una verificaci\u00f3n de salud crediticia?<\/strong><\/h2>\n<p>Tu puntuaci\u00f3n crediticia juega un papel importante en tu vida diaria. No solo ayuda a determinar si te aprobar\u00e1n los pr\u00e9stamos que necesitas, sino que tambi\u00e9n influye en el monto que pagar\u00e1s por esos pr\u00e9stamos. Esos detalles podr\u00edan afectar tus finanzas a corto y largo plazo, dependiendo de la duraci\u00f3n del pr\u00e9stamo.<\/p>\n<p>Durante la temporada de fiestas, sucede lo mismo. Una verificaci\u00f3n de cr\u00e9dito eficaz puede ayudarle a:<\/p>\n<ul>\n<li>Determinar cu\u00e1l es su situaci\u00f3n financiera actual.<\/li>\n<\/ul>\n<ul>\n<li>Comprenda si es prudente pedir dinero prestado durante las vacaciones.<\/li>\n<\/ul>\n<ul>\n<li>Formula un plan financiero para comenzar el pr\u00f3ximo a\u00f1o con el pie derecho.<\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Paso #1: C\u00f3mo consultar su cr\u00e9dito<\/strong><\/h2>\n<p>Si piensa pedir dinero prestado o usar tarjetas de cr\u00e9dito durante la temporada navide\u00f1a, debe saber cu\u00e1l es su situaci\u00f3n crediticia. Hay dos par\u00e1metros disponibles para ayudar a los consumidores a evaluar su salud crediticia: su puntaje crediticio y su informe crediticio.<\/p>\n<ul>\n<li><strong>Puntuaci\u00f3n de cr\u00e9dito:<\/strong><\/li>\n<\/ul>\n<p>Su puntuaci\u00f3n crediticia proporciona una visi\u00f3n r\u00e1pida de su salud crediticia. Su capacidad para pedir prestado y devolver dinero se representa mediante un n\u00famero de tres d\u00edgitos. Los prestamistas utilizan esta cifra para determinar el riesgo asociado con prestarle dinero.<\/p>\n<p>Adquiera el h\u00e1bito de verificar su puntuaci\u00f3n crediticia peri\u00f3dicamente. Contrariamente al mito popular, verificar su puntuaci\u00f3n en realidad no la bajar\u00e1. Existen muchos servicios financieros y aplicaciones de monitoreo de cr\u00e9dito que le permitir\u00e1n verificar su puntuaci\u00f3n crediticia de forma gratuita, como\u00a0<a href=\"https:\/\/www.experian.com\/credit\/credit-score\/\"><strong>Experian<\/strong><\/a>, una importante agencia de cr\u00e9dito de Estados Unidos.<\/p>\n<ul>\n<li><strong>Informe de cr\u00e9dito:<\/strong><\/li>\n<\/ul>\n<p>Si bien su puntaje crediticio ofrece una visi\u00f3n general de su historial crediticio, su informe crediticio es mucho m\u00e1s detallado. Puede revisar todas las cuentas de cr\u00e9dito abiertas a su nombre, su historial de pagos y m\u00e1s, lo que le permite a los prestamistas obtener una revisi\u00f3n integral de sus finanzas.<\/p>\n<p>Comprobar su puntuaci\u00f3n crediticia es r\u00e1pido y f\u00e1cil. Sin embargo, debe revisar su informe crediticio completo varias veces al a\u00f1o para asegurarse de que no haya errores ni posibles fraudes que afecten negativamente su puntuaci\u00f3n. Puede obtener una copia gratuita de su informe crediticio en\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>Paso #2: Controle sus finanzas actuales<\/strong><\/h2>\n<p>Una vez que conozca su puntuaci\u00f3n crediticia y revise su historial para detectar posibles errores o fraudes, es hora de evaluar su situaci\u00f3n actual. S\u00ed, la temporada de fiestas puede ser costosa, pero no querr\u00e1 actuar impulsivamente y meterse en problemas financieros en enero.<\/p>\n<p>Comience por revisar todas sus tarjetas de cr\u00e9dito activas.<\/p>\n<ul>\n<li>Anota el saldo pendiente de cada tarjeta.<\/li>\n<\/ul>\n<ul>\n<li>Determinar el l\u00edmite de cr\u00e9dito para cada uno (monto m\u00e1ximo que puedes gastar por tarjeta).<\/li>\n<\/ul>\n<ul>\n<li>Identifique la tasa de inter\u00e9s de cada tarjeta de cr\u00e9dito.<\/li>\n<\/ul>\n<p>Desde aqu\u00ed, puedes determinar cu\u00e1nto puedes gastar con tus tarjetas durante las fiestas. Como regla general, debes limitar el gasto con tarjeta de cr\u00e9dito a no m\u00e1s del 30% de tu l\u00edmite disponible; de lo contrario, tu puntaje crediticio se ver\u00e1 afectado.<\/p>\n<p>Por ejemplo, si el l\u00edmite de su tarjeta de cr\u00e9dito es $10,000 y su saldo pendiente es $2,000, su \u00edndice de utilizaci\u00f3n de cr\u00e9dito actual ser\u00e1 20%.<\/p>\n<p>Si los saldos de sus tarjetas de cr\u00e9dito son elevados, tomar medidas ahora podr\u00eda mejorar dr\u00e1sticamente su forma de comenzar el nuevo a\u00f1o.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Paso #3: Preparaci\u00f3n para el a\u00f1o entrante<\/strong><\/h2>\n<p>Uno de los mayores temores de las personas es abrir los res\u00famenes de las tarjetas de cr\u00e9dito despu\u00e9s de las fiestas. En lugar de dejar que ese temor se acumule, la mejor decisi\u00f3n es ser proactivo.<\/p>\n<p>En el paso #2, enumeraste todos los saldos, l\u00edmites y tasas de tus tarjetas de cr\u00e9dito actuales. Usa esa informaci\u00f3n para consolidar deudas\u00a0<strong><em>antes<\/em><\/strong>\u00a0las vacaciones.<\/p>\n<p>La consolidaci\u00f3n de deuda es uno de los mejores m\u00e9todos para eliminar deudas con intereses altos, reorganizar sus finanzas y recuperar el control. Ser proactivo y dar este paso antes de que comience la temporada de compras navide\u00f1as es una excelente estrategia para comenzar el nuevo a\u00f1o con el pie derecho en lo financiero.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>\u00a1Estamos aqu\u00ed para ayudar!<\/strong><\/h2>\n<p>Con las fiestas a la vuelta de la esquina, no hay mejor momento que el presente para hacer un r\u00e1pido repaso de su salud crediticia. Reg\u00e1lese un mejor cr\u00e9dito para las fiestas para que pueda comenzar el nuevo a\u00f1o con el pie derecho en lo financiero.<\/p>\n<p>Si desea obtener m\u00e1s informaci\u00f3n sobre los pr\u00e9stamos para vacaciones o sobre c\u00f3mo la consolidaci\u00f3n de deuda puede ofrecer una alternativa asequible a las tarjetas de cr\u00e9dito, estamos listos para ayudarlo. Visite cualquiera de nuestras sucursales convenientes o llame al 888-777-9982 para hablar con un miembro del equipo hoy mismo.<\/p>\n<p><strong><em>\u00a1Felices fiestas!<\/em><\/strong><\/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<svg\n\t\tclass=\"co-disclosures--icon svg-ncua\"\n\t\tviewbox=\"0 0 110 46\"\n\t\twidth=\"110\"\n\t\theight=\"46\"\n\t>\n\t\t<title>NCUA<\/title>\n\t\t\n    <path fill=\"#022164\" d=\"M100.684 43.343v-.3a1.549 1.549 0 0 0 .172.018c.166 0 .207-.088.248-.225l.043-.131-.623-1.637h.4l.434 1.229h.006l.414-1.229h.381l-.641 1.732c-.119.3-.2.563-.582.563a1.7 1.7 0 0 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