{"id":34754,"date":"2022-02-10T03:35:05","date_gmt":"2022-02-10T03:35:05","guid":{"rendered":"https:\/\/payment1.com\/?p=34754"},"modified":"2026-06-23T01:42:12","modified_gmt":"2026-06-23T01:42:12","slug":"como-construir-credito-desde-cero","status":"publish","type":"post","link":"https:\/\/payment1.com\/es\/2022\/02\/how-to-build-credit-from-scratch\/","title":{"rendered":"5 Maneras de Construir Cr\u00e9dito Desde Cero"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Tu puntaje de cr\u00e9dito es el n\u00famero central que las instituciones financieras verifican antes de prestarte dinero, y si buscas obtener una hipoteca o un pr\u00e9stamo personal, sabr\u00e1s que no puedes hacerlo sin un buen puntaje de cr\u00e9dito.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pero, \u00bfsabes c\u00f3mo puedes construir un buen puntaje crediticio? \u00bfY sabes c\u00f3mo construir cr\u00e9dito desde cero? Este n\u00famero no sube simplemente sin haberlo construido. Se necesita tiempo, paciencia y compromiso para que los prestamistas te vean como un buen cliente.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aqu\u00ed tienes 5 maneras de construir cr\u00e9dito desde cero: desde lo que necesitas hacer, tus opciones y c\u00f3mo acelerar el proceso. Estos pasos pueden ayudarte a que todo sea mucho m\u00e1s f\u00e1cil.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Obtener una tarjeta de cr\u00e9dito<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Cuando reci\u00e9n empiezas tu recorrido crediticio, una de las formas m\u00e1s sencillas de empezar a construir tu cr\u00e9dito es <\/span><a href=\"https:\/\/payment1.com\/es\/como-mejorar-tu-historial-crediticio-usando-tu-tarjeta-de-credito\/\"><span style=\"font-weight: 400;\">Saca una tarjeta de cr\u00e9dito<\/span><\/a><span style=\"font-weight: 400;\">. Esta es la forma m\u00e1s sencilla de aumentar tu puntaje crediticio, as\u00ed que si no te interesa obtener uno, quiz\u00e1s quieras reconsiderarlo.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si no tienes historial crediticio, es posible que te nieguen un pr\u00e9stamo, por lo que las tarjetas de cr\u00e9dito son la opci\u00f3n m\u00e1s sencilla. Las tarjetas para construir cr\u00e9dito pueden ser una excelente opci\u00f3n para ti. Estas tarjetas de cr\u00e9dito no cobran cuota anual ni intereses, principalmente para ayudar a los clientes a empezar desde cero.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si no tienes acceso a tarjetas para crear cr\u00e9dito, sin embargo, tambi\u00e9n puedes obtener otros tres tipos de tarjetas de cr\u00e9dito que no necesitan historial crediticio. Estas incluyen:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tarjetas de cr\u00e9dito garantizadas<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tarjetas de cr\u00e9dito para estudiantes<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tarjetas de cr\u00e9dito minoristas<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tarjetas de cr\u00e9dito respaldadas por flujo de caja<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Estos tienen sus propias ventajas, pero la idea es la misma. Si quieres construir tu cr\u00e9dito, acost\u00fambrate a comprar solo lo que puedes pagar a tiempo. Aseg\u00farate de pagar siempre a tiempo y pagar por encima del m\u00ednimo para reducir tus pagos mensuales.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Obt\u00e9n un pr\u00e9stamo para crear cr\u00e9dito o un pr\u00e9stamo garantizado<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Hay otra forma de empezar tu camino crediticio si no te gusta el pl\u00e1stico. Usando una <\/span><a href=\"https:\/\/www.forbes.com\/advisor\/personal-loans\/what-is-a-credit-builder-loan\/\"><span style=\"font-weight: 400;\">constructor de cr\u00e9dito<\/span><\/a><span style=\"font-weight: 400;\"> Un pr\u00e9stamo garantizado es una alternativa s\u00f3lida que te permitir\u00e1 obtener financiamiento mientras construyes tu cr\u00e9dito.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Un pr\u00e9stamo para crear historial crediticio es un tipo de pr\u00e9stamo de ahorro forzoso, que permite a la compa\u00f1\u00eda prestamista retener el dinero que solicitas hasta que lo pagues en su totalidad. El prop\u00f3sito principal no es prestarte dinero, sino m\u00e1s bien ayudarte a iniciar tu perfil crediticio.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los pr\u00e9stamos garantizados son otra forma de construir tu cr\u00e9dito a trav\u00e9s de pr\u00e9stamos, ya sea que se trate de un <\/span><a href=\"https:\/\/payment1.com\/es\/car-title-loans-the-pros-the-cons-and-everything-in-between\/\"><span style=\"font-weight: 400;\">Pr\u00e9stamo con garant\u00eda de t\u00edtulo de autom\u00f3vil<\/span><\/a><span style=\"font-weight: 400;\"> o un pr\u00e9stamo de ahorro garantizado. Los pr\u00e9stamos requieren una garant\u00eda, lo que significa que debes entregar un activo al prestamista. El activo puede ser una casa, un coche o cualquier otro tipo de activo en el que el prestamista pueda confiar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La garant\u00eda que ofreces asegura el pr\u00e9stamo, lo que significa que el prestamista se apoderar\u00e1 del activo si no pagas.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lo bueno de los pr\u00e9stamos para crear historial crediticio y los pr\u00e9stamos garantizados es que no necesitas mucho dinero para empezar. De hecho, los pr\u00e9stamos para autom\u00f3viles est\u00e1n limitados a una cuarta parte del valor de tu veh\u00edculo, mientras que los pr\u00e9stamos para crear historial crediticio s\u00ed tienen \u201c<\/span><a href=\"https:\/\/payment1.com\/es\/loans-with-no-credit-check-what-they-are-and-where-do-you-get-them\/\"><span style=\"font-weight: 400;\">sin verificaciones de cr\u00e9dito<\/span><\/a><span style=\"font-weight: 400;\">\u201dpara ayudarte a asegurarlo.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Convi\u00e9rtase en Usuario Autorizado<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Una soluci\u00f3n com\u00fan para los estudiantes que buscan crear su historial crediticio es <\/span><a href=\"https:\/\/www.investopedia.com\/terms\/c\/credit-card-authorized-user.asp\"><span style=\"font-weight: 400;\">ser un usuario autorizado<\/span><\/a><span style=\"font-weight: 400;\"> en la tarjeta de cr\u00e9dito de un padre. Esto te permite figurar como coprestatario en la cuenta de la tarjeta de cr\u00e9dito de un padre, lo que puede aumentar la cantidad de cr\u00e9dito que se te aprueba.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Convertirse en un usuario autorizado puede ser una excelente manera de construir cr\u00e9dito. Esto tambi\u00e9n te puede permitir empezar a alquilar un apartamento y contratar servicios p\u00fablicos. Recuerda que esto no cuenta como una verificaci\u00f3n de cr\u00e9dito, por lo que no afectar\u00e1 negativamente tu puntaje de cr\u00e9dito. Solo har\u00e1 que tu perfil crediticio se vea mejor.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si no te interesa usar una tarjeta de cr\u00e9dito, no tienes que gastar nada para beneficiarte de ser un usuario autorizado. Simplemente confirma con el titular de la tarjeta que el emisor de la tarjeta est\u00e1 reportando la actividad del usuario a las agencias de cr\u00e9dito.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para quienes planean usar la tarjeta de cr\u00e9dito como usuario autorizado, es importante asegurarse de que ambos est\u00e9n de acuerdo con los t\u00e9rminos y condiciones b\u00e1sicos. Estas condiciones pueden ser cualquier cosa, desde tener un l\u00edmite en cu\u00e1nto se usa o c\u00f3mo y cu\u00e1ndo se paga su parte de la deuda.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Paga tus facturas a tiempo\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Los pagos atrasados afectan considerablemente tu puntaje de cr\u00e9dito. Si quieres que tu historial crediticio est\u00e9 impecable, siempre debes pagar tus facturas a tiempo y pagar m\u00e1s del m\u00ednimo.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los servicios de reporte de cr\u00e9dito tambi\u00e9n informan si pagas los servicios p\u00fablicos a tiempo, lo que es esencial para construir tu puntaje de cr\u00e9dito.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">Si no puedes pagar tus facturas a tiempo, habla inmediatamente con la compa\u00f1\u00eda de tu tarjeta de cr\u00e9dito o busca una manera de obtener dinero. Es posible que puedan extender tus fechas de vencimiento o reducir tus pagos mensuales.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si tienes que hacerlo, pide un pr\u00e9stamo en efectivo si esperas recibir dinero despu\u00e9s de una fecha espec\u00edfica. Pero, de nuevo, ten en cuenta que no realizar alg\u00fan pago perjudicar\u00e1 a\u00fan m\u00e1s tu puntaje de cr\u00e9dito.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Mant\u00e9n buenos h\u00e1bitos crediticios<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Lleva tiempo construir tu historial crediticio y no puedes hacer nada al respecto. Necesitas asegurarte de mantener buenos h\u00e1bitos crediticios que te ayuden a construir cr\u00e9dito con el tiempo.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Empieza pagando tus deudas a tiempo, desde tu tarjeta de cr\u00e9dito hasta tus pr\u00e9stamos estudiantiles. Esta es una de las mejores maneras de construir historial crediticio, ya que mejora tu \u00edndice de utilizaci\u00f3n de cr\u00e9dito, que es uno de los factores m\u00e1s cr\u00edticos que la mayor\u00eda de los prestamistas observan.\u00a0<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mantener un saldo bajo en tus tarjetas de cr\u00e9dito y otros pr\u00e9stamos, como los pr\u00e9stamos sobre el t\u00edtulo de un autom\u00f3vil, tambi\u00e9n es una excelente manera de construir cr\u00e9dito. Esto tambi\u00e9n te ayudar\u00e1 a pagar menos intereses con el tiempo.\u00a0<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">No tengas miedo de usar pr\u00e9stamos en efectivo para pagar otras facturas a tiempo. Aunque esto puede agregarse a tus tipos de pagos existentes, obtener un pr\u00e9stamo peque\u00f1o y r\u00e1pido deber\u00eda ayudarte a evitar el pago de cargos por demora.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los cargos por pagos atrasados en esta etapa pueden generar tasas de inter\u00e9s muy altas, lo que puede ser peor que obtener un nuevo pr\u00e9stamo en efectivo. Si est\u00e1s solicitando un pr\u00e9stamo r\u00e1pido, aseg\u00farate de tener suficiente para pagarlo y liquidarlo antes de la fecha de vencimiento.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">El resultado final<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Construir tu cr\u00e9dito no es una tarea f\u00e1cil, y tampoco sucede de la noche a la ma\u00f1ana. Requiere tiempo, paciencia y autodisciplina. Pero cuanto antes empieces, m\u00e1s f\u00e1cil ser\u00e1 que te aprueben pr\u00e9stamos y tarjetas de cr\u00e9dito.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Antes de comenzar, aseg\u00farate de conocer tu puntaje de cr\u00e9dito para que puedas prepararte para la aprobaci\u00f3n de cr\u00e9dito. Ya sea que a\u00fan est\u00e9s construyendo tu cr\u00e9dito o ya tengas uno, obtener un pr\u00e9stamo puede ayudarte a empezar.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Payment1 ofrece diferentes tipos de pr\u00e9stamos que puedes usar durante emergencias. Desde <\/span><a href=\"https:\/\/payment1.com\/es\/prestamos-con-titulo-de-propiedad\/\"><span style=\"font-weight: 400;\">pr\u00e9stamos sobre el t\u00edtulo del autom\u00f3vil<\/span><\/a><span style=\"font-weight: 400;\"> a <\/span><a href=\"https:\/\/payment1.com\/es\/prestamos-personales\/\"><span style=\"font-weight: 400;\">pr\u00e9stamos personales<\/span><\/a><span style=\"font-weight: 400;\">, tenemos algo que te puede ayudar. <\/span><a href=\"https:\/\/payment1.com\/es\/contact-us\/\"><span style=\"font-weight: 400;\">H\u00e1blanos ahora<\/span><\/a><span style=\"font-weight: 400;\"> y comienza a construir tu cr\u00e9dito hoy mismo.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Your credit score is the central number that financial institutions check before they lend you money, and if you\u2019re looking to get a mortgage or a personal loan, you\u2019ll know that you can\u2019t do this without a good credit score. But do you know how you can build a good credit score? And do you [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":34755,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28],"tags":[106,107,113],"class_list":["post-34754","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-credit-building","tag-credit-scores","tag-financial-education"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5 Ways to Build Credit from Scratch - Payment 1<\/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:\/\/payment1.com\/es\/2022\/02\/como-construir-credito-desde-cero\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Ways to Build Credit from Scratch - Payment 1\" \/>\n<meta property=\"og:description\" content=\"Your credit score is the central number that financial institutions check before they lend you money, and if you\u2019re looking to get a mortgage or a personal loan, you\u2019ll know that you can\u2019t do this without a good credit score. But do you know how you can build a good credit score? And do you [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/payment1.com\/es\/2022\/02\/como-construir-credito-desde-cero\/\" \/>\n<meta property=\"og:site_name\" content=\"Payment 1\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Payment1Financial\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-10T03:35:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-23T01:42:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/payment1.com\/wp-content\/uploads\/2022\/02\/pexels-rodnae-productions-7821512-scaled-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"galacticfedteam\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"galacticfedteam\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/02\\\/how-to-build-credit-from-scratch\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/02\\\/how-to-build-credit-from-scratch\\\/\"},\"author\":{\"name\":\"galacticfedteam\",\"@id\":\"https:\\\/\\\/payment1.com\\\/#\\\/schema\\\/person\\\/02b9be41a1a027a933e26d613b0d7dbb\"},\"headline\":\"5 Ways to Build Credit from Scratch\",\"datePublished\":\"2022-02-10T03:35:05+00:00\",\"dateModified\":\"2026-06-23T01:42:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/02\\\/how-to-build-credit-from-scratch\\\/\"},\"wordCount\":1189,\"publisher\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/02\\\/how-to-build-credit-from-scratch\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/payment1.com\\\/wp-content\\\/uploads\\\/2022\\\/02\\\/pexels-rodnae-productions-7821512-scaled-1.jpg\",\"keywords\":[\"Credit Building\",\"Credit Scores\",\"Financial Education\"],\"articleSection\":[\"Articles\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/02\\\/how-to-build-credit-from-scratch\\\/\",\"url\":\"https:\\\/\\\/payment1.com\\\/2022\\\/02\\\/how-to-build-credit-from-scratch\\\/\",\"name\":\"5 Ways to Build Credit from Scratch - Payment 1\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/02\\\/how-to-build-credit-from-scratch\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/02\\\/how-to-build-credit-from-scratch\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/payment1.com\\\/wp-content\\\/uploads\\\/2022\\\/02\\\/pexels-rodnae-productions-7821512-scaled-1.jpg\",\"datePublished\":\"2022-02-10T03:35:05+00:00\",\"dateModified\":\"2026-06-23T01:42:12+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/02\\\/how-to-build-credit-from-scratch\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/payment1.com\\\/2022\\\/02\\\/how-to-build-credit-from-scratch\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/02\\\/how-to-build-credit-from-scratch\\\/#primaryimage\",\"url\":\"https:\\\/\\\/payment1.com\\\/wp-content\\\/uploads\\\/2022\\\/02\\\/pexels-rodnae-productions-7821512-scaled-1.jpg\",\"contentUrl\":\"https:\\\/\\\/payment1.com\\\/wp-content\\\/uploads\\\/2022\\\/02\\\/pexels-rodnae-productions-7821512-scaled-1.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"pexels rodnae productions 7821512\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/02\\\/how-to-build-credit-from-scratch\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/payment1.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"5 Ways to Build Credit from Scratch\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/payment1.com\\\/#website\",\"url\":\"https:\\\/\\\/payment1.com\\\/\",\"name\":\"Payment 1\",\"description\":\"Personal &amp; 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