{"id":14125,"date":"2021-07-19T18:43:14","date_gmt":"2021-07-19T18:43:14","guid":{"rendered":"https:\/\/oportundev3.wpengine.com\/learning-center\/"},"modified":"2026-02-20T11:58:52","modified_gmt":"2026-02-20T19:58:52","slug":"centro-de-aprendizaje","status":"publish","type":"page","link":"https:\/\/oportun.com\/es\/centro-de-aprendizaje\/","title":{"rendered":"Learning Center"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/flexible.php","meta":{"_acf_changed":false,"footnotes":""},"folder":[],"class_list":["post-14125","page","type-page","status-publish","hentry"],"acf":{"blocks":[{"acf_fc_layout":"content_block","settings":{"name":"","columns":"1","display":"auto","background":"none","image_placement":"auto","padding":"","section_language_toggle":"no","ab_component":"","ab_test_type":""},"blocks":[{"acf_fc_layout":"content","content_title":"","block_settings":{"disabled":"No"},"description":"<h1>Herramientas y aprendizaje<\/h1>\r\nToma el control de tus finanzas. Crea tu oportunidad."},{"acf_fc_layout":"list","block_settings":{"disabled":"No"},"settings":{"list_type":"horizontal_list","list_style":"fragment","icon":{"source":""},"title":"","automatic_scrolling":false,"autoscrolling_speed":"mod","card_background":"default","icon_color":"default"},"items":[{"icon":"0","custom_bullet":"","border_around_icon":"border-none","custom_bullet_color":"black","title":"","text":"<h3>Educaci\u00f3n financiera<\/h3>\r\nAprende sobre cr\u00e9dito, finanzas, y c\u00f3mo lograr tus sue\u00f1os financieros","text_border":"none","stars":"","author":""},{"icon":"0","custom_bullet":"","border_around_icon":"border-none","custom_bullet_color":"black","title":"","text":"<h3>Apoyo local<\/h3>\r\nRecibe educaci\u00f3n financiera gratuita, de planeaci\u00f3n, asistencia para trabajo y m\u00e1s\r\n\r\n<a href=\"#community-support-partners\">Ver m\u00e1s<\/a>","text_border":"none","stars":"","author":""},{"icon":"0","custom_bullet":"","border_around_icon":"border-none","custom_bullet_color":"black","title":"","text":"<h3>Preguntas y respuestas<\/h3>\r\nObt\u00e9n las respuestas a todas las preguntas que nos hacen frecuentemente","text_border":"none","stars":"","author":""}],"blocks":null,"icon_settings":{"desktop_aligment":"center","mobile_aligment":"center","if_no_icon_selected_left_space":false}}]},{"acf_fc_layout":"content_block","settings":{"name":"","columns":"1","display":"auto","background":"light-gray","image_placement":"auto","padding":"","section_language_toggle":"no","ab_component":"","ab_test_type":""},"blocks":[{"acf_fc_layout":"content","content_title":"","block_settings":{"disabled":"No"},"description":"<h2 style=\"text-align: center;\">Educaci\u00f3n financiera<\/h2>"},{"acf_fc_layout":"featured_posts","block_settings":{"disabled":"No"},"title":"","category":null},{"acf_fc_layout":"content","content_title":"","block_settings":{"disabled":"No"},"description":"<p style=\"text-align: center;\"><a href=\"\/es\/educacion-financiera\/\" class=\"button\">M\u00e1s educaci\u00f3n financiera<\/a><\/p>"}]},{"acf_fc_layout":"content_block","settings":{"name":"","columns":"2","display":"auto","background":"none","image_placement":"auto","padding":"","section_language_toggle":"no","ab_component":"","ab_test_type":""},"blocks":[{"acf_fc_layout":"image","block_settings":{"disabled":"No"},"asset":2418676,"asset_mobile":null,"alt":"","border_radius_enabled":"yes","disabled_img_mobile":"no","youtube_embed_url":"","autoplay_video":false,"image_link_to":null,"lazy_load":true},{"acf_fc_layout":"content","content_title":"","block_settings":{"disabled":"No"},"description":"<h2>Apoyo local<\/h2>\r\n&nbsp;\r\n\r\nNuestra comunidad de asociados nos ayuda d\u00e1ndote educaci\u00f3n financiera gratuita, planeaci\u00f3n, asistencia para encontrar trabajo y mucho m\u00e1s\r\n\r\n&nbsp;\r\n<p style=\"text-align: left;\"><a href=\"\/es\/socios-comunitarios\/\" class=\"button\">Aprende m\u00e1s<\/a><\/p>"}]},{"acf_fc_layout":"content_block","settings":{"name":"","columns":"1","display":"auto","background":"white","image_placement":"auto","padding":"","section_language_toggle":"no","ab_component":"","ab_test_type":""},"blocks":[{"acf_fc_layout":"content","content_title":"","block_settings":{"disabled":"No"},"description":"<h2 style=\"text-align: center;\">Comunidad<\/h2>"},{"acf_fc_layout":"featured_posts","block_settings":{"disabled":"No"},"title":"","category":null},{"acf_fc_layout":"content","content_title":"","block_settings":{"disabled":"No"},"description":"<p style=\"text-align: center;\"><a href=\"\/es\/educacion-financiera\/\" class=\"button\">M\u00e1s comunidad<\/a><\/p>"}]},{"acf_fc_layout":"content_block","settings":{"name":"","columns":"1","display":"auto","background":"light-gray","image_placement":"auto","padding":"","section_language_toggle":"no","ab_component":"","ab_test_type":""},"blocks":[{"acf_fc_layout":"content","content_title":"","block_settings":{"disabled":"No"},"description":"<h2 style=\"text-align: center;\">Noticias de Oportun<\/h2>"},{"acf_fc_layout":"list","block_settings":{"disabled":"No"},"settings":{"list_type":"horizontal_list","list_style":"center","icon":{"source":""},"title":"","automatic_scrolling":false,"autoscrolling_speed":"mod","card_background":"default","icon_color":"default"},"items":[{"icon":"0","custom_bullet":"","border_around_icon":"border-none","custom_bullet_color":"black","title":"","text":"<a href=\"\/news\/were-proud-to-reveal-the-new-oportun\/\">We\u2019re proud to reveal the new Oportun<\/a>","text_border":"none","stars":"","author":""},{"icon":"0","custom_bullet":"","border_around_icon":"border-none","custom_bullet_color":"black","title":"","text":"<a href=\"\/news\/oportun-wins-ceo-connection-2023-economic-justice-award\/\">Oportun Wins CEO Connection 2023 Economic Justice Award<\/a>","text_border":"none","stars":"","author":""},{"icon":"0","custom_bullet":"","border_around_icon":"border-none","custom_bullet_color":"black","title":"","text":"<a href=\"\/news\/oportun-wins-tearsheet-challenger-award-for-serving-the-underserved\/\">Oportun Wins Tearsheet Challenger Award for Serving the Underserved<\/a>","text_border":"none","stars":"","author":""}],"blocks":null,"icon_settings":{"desktop_aligment":"center","mobile_aligment":"center","if_no_icon_selected_left_space":false}},{"acf_fc_layout":"content","content_title":"","block_settings":{"disabled":"No"},"description":"<p style=\"text-align: center;\"><a href=\"\/news\" class=\"button\">Mas noticias<\/a><\/p>"}]},{"acf_fc_layout":"content_block","settings":{"name":"Questions_Block","columns":"2","display":"auto","background":"none","image_placement":"right","padding":"","section_language_toggle":"no","ab_component":"","ab_test_type":""},"blocks":[{"acf_fc_layout":"image","block_settings":{"disabled":"No"},"asset":2420399,"asset_mobile":null,"alt":"","border_radius_enabled":"yes","disabled_img_mobile":"no","youtube_embed_url":"","autoplay_video":false,"image_link_to":null,"lazy_load":true},{"acf_fc_layout":"content","content_title":"","block_settings":{"disabled":"No"},"description":"<h2>Preguntas<\/h2>"},{"acf_fc_layout":"list-categories","post_type_category":"faq_categories"},{"acf_fc_layout":"list","block_settings":{"disabled":"No"},"settings":{"list_type":"accordion","list_style":"stacked","icon":{"source":""},"title":"FAQ","automatic_scrolling":false,"autoscrolling_speed":"mod","card_background":"default","icon_color":"default"},"items":[{"icon":"","custom_bullet":"","border_around_icon":"border-none","custom_bullet_color":"black","title":"\u00bfQu\u00e9 es una agencia nacional de informaci\u00f3n de cr\u00e9dito?","text":"Hay tres compa\u00f1\u00edas nacionales de informaci\u00f3n de cr\u00e9dito, tambi\u00e9n llamadas agencias de informaci\u00f3n de cr\u00e9dito: Experian, TransUnion y Equifax. Estas compa\u00f1\u00edas recopilan informaci\u00f3n financiera y otros datos sobre los usuarios, que se registran en los informes de cr\u00e9dito y se utilizan para crear puntajes de cr\u00e9dito. Cada agencia no recopila exactamente la misma informaci\u00f3n, por lo que una persona puede tener varios puntajes de cr\u00e9dito, e inclusive varios puntajes de cr\u00e9dito FICO\u00ae.","text_border":"none","stars":"","author":""},{"icon":"","custom_bullet":"","border_around_icon":"border-none","custom_bullet_color":"black","title":"How does Oportun help me build a credit history?","text":"Los puntajes de cr\u00e9dito estiman la probabilidad de que un deudor pague su deuda a tiempo. Hay muchos tipos de puntajes de cr\u00e9dito desarrollados por diferentes compa\u00f1\u00edas, pero el puntaje FICO<sup>\u00ae<\/sup>, desarrollado por la Fair Isaac Corporation, es una de las calificaciones de cr\u00e9dito m\u00e1s consultadas.\r\n\r\nDe acuerdo con\u00a0<a href=\"https:\/\/www.myfico.com\/credit-education\/whats-in-your-credit-score\/\" target=\"_blank\" rel=\"noopener\" data-event_tracking=\"link click\" data-event_tracking_label=\"Fair Isaac Corporation \" data-event_tracking_section=\"faq\" class=\"outbound\">Fair Isaac Corporation<\/a><a href=\"https:\/\/www.myfico.com\/credit-education\/whats-in-your-credit-score\/\" target=\"_blank\" rel=\"noopener\" data-event_tracking=\"link click\" data-event_tracking_label=\"Fair Isaac Corporation \" data-event_tracking_section=\"faq\" class=\"outbound\"><\/a>, tu puntaje de cr\u00e9dito FICO<sup>\u00ae<\/sup>\u00a0es un n\u00famero entre 300 y 850, y se calcula con una f\u00f3rmula que toma en cuenta los siguentes factores:\r\n<ul>\r\n \t<li>Historial de pagos (35%)<\/li>\r\n \t<li>Cantidad adeudada (30%)<\/li>\r\n \t<li>Tiempo del historial de cr\u00e9dito (15%)<\/li>\r\n \t<li>Combinaci\u00f3n de cr\u00e9ditos (10%)<\/li>\r\n \t<li>Nuevo cr\u00e9dito (10%)<\/li>\r\n<\/ul>","text_border":"none","stars":"","author":""},{"icon":"","custom_bullet":"","border_around_icon":"border-none","custom_bullet_color":"black","title":"\u00bfC\u00f3mo me ayuda Oportun a construir mi historial de cr\u00e9dito?","text":"A diferencia de otros prestamistas alternos, nosotros reportamos el historial de tus pagos a las agencias de cr\u00e9dito nacionales. Cada mes, les informamos si has hecho tus pagos a tiempo y completos. T\u00fa puedes establecer un historial de cr\u00e9dito positivo cuando haces tus pagos requeridos a tiempo o antes de la fecha de vencimiento, cuando pagas m\u00e1s de lo requerido o pagas tu cuenta en su totalidad. Generalmente se toma al menos seis meses establecer un puntaje de cr\u00e9dito inicial.\r\n\r\nSi dejas de hacer un pago, o lo haces tarde o incompleto, tambi\u00e9n lo reportamos a las agencias de cr\u00e9dito. Esta conducta puede impactar negativamente tu puntuaci\u00f3n de cr\u00e9dito.","text_border":"none","stars":"","author":""}],"blocks":null,"icon_settings":{"desktop_aligment":"center","mobile_aligment":"center","if_no_icon_selected_left_space":false}},{"acf_fc_layout":"content","content_title":"","block_settings":{"disabled":"No"},"description":"<p style=\"text-align: left;\"><a href=\"\/es\/preguntas-frecuentes\/\" class=\"button\">M\u00e1s preguntas<\/a><\/p>"}]},{"acf_fc_layout":"content_block","settings":{"name":"","columns":"1","display":"auto","background":"black","image_placement":"auto","padding":"","section_language_toggle":"no","ab_component":"","ab_test_type":""},"blocks":[{"acf_fc_layout":"content","content_title":"","block_settings":{"disabled":"No"},"description":"<h2 style=\"text-align: center;\">Convi\u00e9rtete en un miembro de Oportun hoy<\/h2>\r\n<p style=\"text-align: center;\"><a href=\"\/es\/prestamos-personales\/\" class=\"button\">Pr\u00e9stamos personales<\/a><\/p>"}]}]},"_links":{"self":[{"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/pages\/14125","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/comments?post=14125"}],"version-history":[{"count":0,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/pages\/14125\/revisions"}],"wp:attachment":[{"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/media?parent=14125"}],"wp:term":[{"taxonomy":"folder","embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/folder?post=14125"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}