{"id":3000,"date":"2019-05-13T05:15:56","date_gmt":"2019-05-13T10:15:56","guid":{"rendered":"http:\/\/payment1.flywheelsites.com\/?p=3000"},"modified":"2026-06-23T02:04:23","modified_gmt":"2026-06-23T02:04:23","slug":"5-practicas-que-podrian-perjudicar-tu-puntaje-de-credito","status":"publish","type":"post","link":"https:\/\/payment1.com\/es\/2019\/05\/5-practices-that-could-possibly-hurt-your-credit-score\/","title":{"rendered":"5 Pr\u00e1cticas que Podr\u00edan Da\u00f1ar Tu Puntuaci\u00f3n de Cr\u00e9dito"},"content":{"rendered":"

Debes saber que tu puntaje de cr\u00e9dito<\/a> afecta tu vida financiera de una manera muy, muy grande. Tener mal cr\u00e9dito afectar\u00e1 tu capacidad de tener un pr\u00e9stamo<\/a> aprobado, cu\u00e1nto inter\u00e9s se cobra en su pr\u00e9stamo, o incluso sus posibilidades de conseguir empleo. Mantener un buen cr\u00e9dito es una parte importante de la vida adulta y algo que debe tomarse en serio para ayudar a asegurar su futuro financiero.<\/p>\n

A continuaci\u00f3n, se presentan cinco pr\u00e1cticas que quiz\u00e1s no sepas que afectan negativamente tu puntaje de cr\u00e9dito.<\/p>\n

1. Pagos atrasados<\/strong><\/p>\n

Debes pagar tus cuentas a tiempo. Una parte importante de tu puntaje crediticio es tu historial de pagos, que representa el 35% de tu puntaje crediticio total. Si siempre te atrasas en el pago de tus tarjetas de cr\u00e9dito<\/a> puede afectar mucho tu puntaje de cr\u00e9dito. Es una buena pr\u00e1ctica establecer un recordatorio para ti mismo cuando vencen las facturas de tu tarjeta de cr\u00e9dito. O mejor a\u00fan, paga tus cuotas de tarjeta de cr\u00e9dito poco despu\u00e9s de haberla usado para comprar algo.<\/p>\n

2. No pagar<\/strong><\/p>\n

Probablemente esta sea una de las peores cosas que puedes hacer. Si debes algo, necesitas pagarlo. Esa es la maldici\u00f3n de la deuda. Pagar algo tambi\u00e9n podr\u00eda significar pagar intereses. Si puedes hacer al menos el pago m\u00ednimo del mes, eso ser\u00eda mejor que no pagar nada, porque no pagar podr\u00eda llevar a nuestro tercer punto...<\/p>\n

3. Incumplimiento o cobro de deuda en mora<\/strong><\/p>\n

Cuando no pagas un pr\u00e9stamo o una deuda, esto significa que no has abonado tus deudas anteriores. Que te den de baja una cuenta significa que ya no podr\u00e1s usarla porque no has pagado a tiempo durante un n\u00famero consecutivo de meses. Cuando esto aparece en tu historial crediticio, levantar\u00e1 una se\u00f1al de alerta cuando solicites pr\u00e9stamos. Tus acreedores ver\u00e1n esta se\u00f1al de alerta y asumir\u00e1n que tienes un mayor riesgo de no pagar tu deuda. Por lo tanto, o bien no concederle el pr\u00e9stamo<\/a>, o concederte uno a una tasa de inter\u00e9s m\u00e1s alta que a alguien con mejores puntajes de cr\u00e9dito.<\/p>\n

4. Deber demasiado<\/strong><\/p>\n

Si eres alguien que abusa de sus tarjetas de cr\u00e9dito mensualmente, podr\u00edas estar contribuyendo a la disminuci\u00f3n de tu puntaje de cr\u00e9dito. La segunda parte m\u00e1s importante de tu puntaje de cr\u00e9dito es el nivel de Deuda<\/a>. Incluso si realizas tus pagos a tiempo, pero utilizas constantemente tus tarjetas hasta el l\u00edmite, esto podr\u00eda bajar tu puntaje de cr\u00e9dito porque agotar constantemente tus tarjetas y pagar solo el m\u00ednimo podr\u00eda significar que est\u00e1s llegando a un punto de quiebre financiero.<\/p>\n

5. Cerrar tarjetas de cr\u00e9dito antiguas<\/strong><\/p>\n

Esto tal vez te sorprenda, pero cancelar tus tarjetas de cr\u00e9dito antiguas podr\u00eda afectar negativamente tu puntaje crediticio. Esto se debe a que el 15% de tu puntaje crediticio corresponde a tu historial crediticio. As\u00ed que, si cierras tu tarjeta de cr\u00e9dito m\u00e1s antigua, tal vez porque ya no la usas, esto podr\u00eda dar la impresi\u00f3n de que tienes un historial crediticio m\u00e1s corto de lo que realmente es. Si tus tarjetas antiguas no tienen cuotas anuales, ser\u00eda una buena idea conservarlas.<\/p>","protected":false},"excerpt":{"rendered":"

You should know that your credit score affects your financial life in a big, big way. Having bad credit will affect your ability to have a loan approved, how much interest is charged on your loan, or even your chances of getting employed. 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