{"id":59492,"date":"2023-12-08T11:41:59","date_gmt":"2023-12-08T11:41:59","guid":{"rendered":"https:\/\/payment1.com\/?p=59492"},"modified":"2026-06-23T01:28:20","modified_gmt":"2026-06-23T01:28:20","slug":"cuanto-tiempo-se-tarda-en-construir-credito-con-un-prestamo-personal","status":"publish","type":"post","link":"https:\/\/payment1.com\/es\/2023\/12\/how-long-does-it-take-to-build-credit-with-a-personal-loan\/","title":{"rendered":"\u00bfCu\u00e1nto tiempo se tarda en construir cr\u00e9dito con un pr\u00e9stamo personal?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Cuando est\u00e1s en las primeras etapas de establecer un buen historial y puntaje crediticio, la pregunta acuciante es: \u201c\u00bfCu\u00e1nto tiempo se tarda en construir cr\u00e9dito?\u201d. Seg\u00fan FICO, una compa\u00f1\u00eda ampliamente utilizada <a href=\"https:\/\/www.investopedia.com\/terms\/f\/ficoscore.asp\" target=\"_blank\" rel=\"noreferrer noopener\">modelo de puntuaci\u00f3n de cr\u00e9dito<\/a>, Puedes establecer un puntaje crediticio dentro de los seis meses de tener un historial de pagos registrado.\u00a0<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Puede parecer ir\u00f3nico necesitar un historial crediticio para calificar para un cr\u00e9dito, pero no poder construir ese historial sin acceso a cr\u00e9dito. Sin embargo, hay pasos pr\u00e1cticos que puedes seguir para superar este desaf\u00edo. Uno de ellos es usar pr\u00e9stamos personales.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">En este art\u00edculo, abordaremos el proceso y los criterios para construir cr\u00e9dito, y c\u00f3mo los pr\u00e9stamos personales pueden ayudarte a acelerar este camino.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo se calcula tu puntaje crediticio?<\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Para entender el proceso de construcci\u00f3n de cr\u00e9dito, necesitas ver un desglose de c\u00f3mo las agencias determinan tu puntaje de cr\u00e9dito.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Historial de pagos (35%)<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Este criterio se basa en c\u00f3mo has pagado tus cuentas de cr\u00e9dito de manera consistente y puntual. Tambi\u00e9n considera si has tenido bancarrotas previas, morosidades y otras colecciones.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Uso de tarjetas de cr\u00e9dito (30%)<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">El segundo factor importante es cu\u00e1nto debes actualmente en comparaci\u00f3n con tu cr\u00e9dito total. Los c\u00e1lculos de tu puntaje de cr\u00e9dito consideran a las personas que usan constantemente la mayor parte o la totalidad de su cr\u00e9dito disponible como posibles riesgos.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Cu\u00e1nto tiempo llevas utilizando el cr\u00e9dito (15%)<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Cuanto m\u00e1s tiempo hayan estado abiertas y en buen estado tus cuentas de cr\u00e9dito, mejor ser\u00e1 para tu cr\u00e9dito. Los prestamistas ven a alguien que ha realizado pagos puntualmente durante 20 a\u00f1os como menos riesgoso que a alguien que solo ha cumplido con los pagos puntualmente durante dos a\u00f1os.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Composici\u00f3n del cr\u00e9dito (10%)<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Los prestamistas eval\u00faan el riesgo de prestar dinero considerando tu capacidad para manejar de manera efectiva diferentes tipos de cr\u00e9dito, por lo que es bueno tener una combinaci\u00f3n de cr\u00e9dito rotatorio. Esto incluye tarjetas de cr\u00e9dito y tarjetas de tiendas minoristas, junto con cr\u00e9dito a plazos, como hipotecas, pr\u00e9stamos automotrices y pr\u00e9stamos estudiantiles.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Nuevas solicitudes de cr\u00e9dito (10%)<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Cada vez que solicitas cr\u00e9dito, tu puntaje crediticio sufre una peque\u00f1a baja. Antes de abrir una nueva cuenta de cr\u00e9dito, es aconsejable sopesar si tener ese cr\u00e9dito adicional vale la pena la posible disminuci\u00f3n en tu puntaje crediticio.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">Construir cr\u00e9dito usando pr\u00e9stamos personales<\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Cuando t\u00fa <a href=\"https:\/\/payment1.com\/es\/prestamos-personales\/\" target=\"_blank\" rel=\"noreferrer noopener\">obtener un pr\u00e9stamo personal<\/a>, tus pagos generalmente se informan a las tres principales agencias de cr\u00e9dito: Equifax, Experian y TransUnion. Cuando se usan estrat\u00e9gicamente, los pr\u00e9stamos personales pueden acelerar el proceso de construcci\u00f3n de cr\u00e9dito.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">As\u00ed es como los prestamistas podr\u00edan ver tu decisi\u00f3n de solicitar y pagar por completo un pr\u00e9stamo personal:<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Construir un historial de pagos<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Las entidades crediticias quieren tener la seguridad de que devolver\u00e1s lo que pidas prestado. Pagar puntualmente un pr\u00e9stamo personal puede demostrar a futuras entidades crediticias que eres un prestatario confiable. Dado que tu historial de pagos representa el 35% de tu puntaje crediticio, es fundamental que te mantengas al d\u00eda con tus pagos mensuales.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Mejorando tu historial crediticio<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Contar con distintos tipos de cuentas de cr\u00e9dito influye en tu puntaje crediticio (10%). Un pr\u00e9stamo personal puede aportar diversidad a tu historial crediticio, lo que podr\u00eda mejorar tu puntaje crediticio si tu variedad de cuentas de cr\u00e9dito es limitada.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Administrar el cr\u00e9dito responsablemente<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Los prestamistas juzgan c\u00f3mo maneja el cr\u00e9dito: cu\u00e1nto pide prestado, el tipo de deuda y sus h\u00e1bitos de pago. Un pr\u00e9stamo personal puede demostrar una gesti\u00f3n crediticia responsable si pide prestado dentro de sus posibilidades y se mantiene al d\u00eda con los pagos.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Alargar tu historial crediticio<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">La duraci\u00f3n de tu historial crediticio influye en tu puntaje crediticio. Si no tienes historial crediticio, es posible que las entidades crediticias se muestren cautelosas. Un pr\u00e9stamo personal puede ampliar tu historial crediticio y tener un impacto positivo en tu puntaje crediticio.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Dos tipos de pr\u00e9stamos personales para construir cr\u00e9dito<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Usando un <a href=\"https:\/\/payment1.com\/es\/what-is-a-personal-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stamo personal<\/a> para mejorar tu cr\u00e9dito se puede hacer a trav\u00e9s de dos opciones comunes: pr\u00e9stamos de consolidaci\u00f3n de deudas y pr\u00e9stamos para crear cr\u00e9dito.<\/p>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">Pr\u00e9stamo de consolidaci\u00f3n de deudas<\/h4>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Los pr\u00e9stamos de consolidaci\u00f3n de deudas son sencillos: ayudan a combinar m\u00faltiples deudas en una sola. Por ejemplo, tienes dos tarjetas de cr\u00e9dito con saldos e intereses altos. Un<a href=\"https:\/\/payment1.com\/es\/debt-consolidation-loan-the-what-whys-and-hows\/\" target=\"_blank\" rel=\"noreferrer noopener\"> pr\u00e9stamo de consolidaci\u00f3n de deuda<\/a> te permite pedir prestado el monto necesario para saldar ambas tarjetas, simplificando tus pagos con una sola cuota fija mensual.\u00a0<\/p>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">C\u00f3mo funciona<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>\u2013 Sacas un pr\u00e9stamo para pagar deudas existentes.<\/li>\r\n\r\n\r\n\r\n<li>\u2013 Tus deudas se consolidan en un solo pago mensual.<\/li>\r\n\r\n\r\n\r\n<li>Los pagos puntuales de este nuevo pr\u00e9stamo contribuyen positivamente a tu historial crediticio.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">Beneficios<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>\u2013 Gesti\u00f3n m\u00e1s f\u00e1cil con un \u00fanico pago mensual.<\/li>\r\n\r\n\r\n\r\n<li>\u2013 Potencial mejora en el puntaje de cr\u00e9dito a trav\u00e9s de pagos constantes.<\/li>\r\n\r\n\r\n\r\n<li>\u2013 Pagar el saldo de las tarjetas de cr\u00e9dito reduce tu \u00edndice de utilizaci\u00f3n de cr\u00e9dito.<\/li>\r\n\r\n\r\n\r\n<li>\u2013 Mejora tu historial crediticio al mostrar una combinaci\u00f3n de deuda rotatoria (tarjetas de cr\u00e9dito) y de pago a plazos (pr\u00e9stamos personales).<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">Pr\u00e9stamo para construir cr\u00e9dito<\/h4>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Un pr\u00e9stamo para construir cr\u00e9dito est\u00e1 dise\u00f1ado espec\u00edficamente para aquellos con historial crediticio limitado o nulo. Te permite construir cr\u00e9dito gradualmente mientras aseguras un pr\u00e9stamo.<\/p>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">C\u00f3mo funciona<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>\u2013 Se presta una peque\u00f1a cantidad, que a menudo se mantiene en una cuenta de ahorros.<\/li>\r\n\r\n\r\n\r\n<li>\u2013 Realizas pagos regulares del pr\u00e9stamo.<\/li>\r\n\r\n\r\n\r\n<li>\u2013 Una vez que el pr\u00e9stamo sea reembolsado, recibir\u00e1s el monto prestado y tu historial crediticio mejorado.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">Beneficios<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>\u2013 Establece historial crediticio para quienes empiezan desde cero.<\/li>\r\n\r\n\r\n\r\n<li>\u2013 Ense\u00f1a la gesti\u00f3n responsable del cr\u00e9dito a trav\u00e9s de montos peque\u00f1os y manejables.<\/li>\r\n\r\n\r\n\r\n<li>\u2013 Proporciona fondos para tus metas financieras despu\u00e9s del pago.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">M\u00e1s consejos para acelerar la construcci\u00f3n de un buen cr\u00e9dito<\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">A continuaci\u00f3n, te presento otros consejos que te ayudar\u00e1n a reducir el tiempo necesario para construir un historial crediticio s\u00f3lido:<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">1. Establece metas financieras realistas<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Establece metas financieras realistas y trabaja para alcanzarlas. Tener un plan financiero claro puede guiar tus esfuerzos para mejorar tu cr\u00e9dito.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">2. Revisa tu reporte de cr\u00e9dito regularmente<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Supervisa tu informe crediticio para detectar errores o discrepancias. Corregir imprecisiones puede influir positivamente en tu puntaje de cr\u00e9dito.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">3. Evita cerrar cuentas de cr\u00e9dito antiguas<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Cerrar cuentas de cr\u00e9dito antiguas puede acortar tu historial crediticio, lo cual podr\u00eda afectar tu puntaje. Si es posible, mant\u00e9n las cuentas m\u00e1s antiguas abiertas y activas.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">4. Considere una tarjeta de cr\u00e9dito garantizada<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Una tarjeta de cr\u00e9dito asegurada puede ser una herramienta valiosa si est\u00e1s empezando. Requiere un dep\u00f3sito de seguridad, pero puede ayudarte a construir cr\u00e9dito de manera responsable.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Busque orientaci\u00f3n profesional<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Si no est\u00e1s seguro de cu\u00e1les son los mejores pasos para tu situaci\u00f3n particular, considera buscar asesor\u00eda de profesionales financieros o servicios de consejer\u00eda crediticia.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">Crea tu cr\u00e9dito con Payment1<\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Ahora sabemos cu\u00e1nto tiempo lleva construir cr\u00e9dito y c\u00f3mo los pr\u00e9stamos personales pueden ayudar a acelerar el proceso. La clave es usar los pr\u00e9stamos personales de manera inteligente e integrarlos cuidadosamente en tu estrategia de construcci\u00f3n de cr\u00e9dito. Esto te ayudar\u00e1 a construir un perfil crediticio s\u00f3lido y a obtener mejores oportunidades financieras en el futuro.\u00a0<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/payment1.com\/es\/\" target=\"_blank\" rel=\"noreferrer noopener\">Pago1<\/a> Podemos ayudarte a establecer un historial y puntaje crediticio s\u00f3lido a trav\u00e9s de nuestros pr\u00e9stamos personales. Nuestros planes de pago adaptables te permiten realizar pagos a tiempo, impactando positivamente tu perfil crediticio y avanzando en tu camino para construir cr\u00e9dito. <a href=\"https:\/\/payment1.com\/es\/contact-us\/\" target=\"_blank\" rel=\"noreferrer noopener\">Conecta con nuestro equipo de pr\u00e9stamos experimentado<\/a> para comenzar hoy mismo tu proceso de construcci\u00f3n de cr\u00e9dito con nosotros.<\/p>","protected":false},"excerpt":{"rendered":"<p>When you\u2019re in the early stages of establishing good financial standing and history, the burning question is, \u201cHow long does it take to build credit?\u201d According to FICO, a widely used credit scoring model, you can establish a credit score within six months of having a reported payment history.\u00a0 It may seem ironic\u2014needing a credit [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":59489,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[47],"tags":[106,107,104],"class_list":["post-59492","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-resources","tag-credit-building","tag-credit-scores","tag-personal-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Long Does It Take To Build Credit with a Personal Loan? 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