{"id":10634,"date":"2018-05-02T00:00:00","date_gmt":"2018-05-02T00:00:00","guid":{"rendered":"https:\/\/oportundev3.wpengine.com\/blog\/spanish-what-is-a-credit-score-and-why-does-it-matter\/"},"modified":"2025-02-13T11:29:54","modified_gmt":"2025-02-13T19:29:54","slug":"que-es-un-puntaje-de-credito-y-por-que-es-importante","status":"publish","type":"post","link":"https:\/\/oportun.com\/es\/educacion-financiera\/que-es-un-puntaje-de-credito-y-por-que-es-importante\/","title":{"rendered":"Qu\u00e9 es un puntaje de cr\u00e9dito y por qu\u00e9 es importante"},"content":{"rendered":"<p>Construir el futuro financiero de su familia es un trabajo que se hace con amor. Un aspecto importante para lograrlo es su\u00a0puntaje de cr\u00e9dito. Aqu\u00ed podemos ayudarle\u00a0a comprender qu\u00e9 es un puntaje de cr\u00e9dito y por qu\u00e9 es importante en su vida\u00a0cotidiana.<span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b>\u00bfQu\u00e9 es un puntaje de cr\u00e9dito?<\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p>Un puntaje de cr\u00e9dito es un n\u00famero asignado a usted por\u00a0una agencia de informaci\u00f3n\u00a0de cr\u00e9dito\u00a0y\u00a0est\u00e1 dise\u00f1ado para\u00a0predecir\u00a0\u201clas probabilidades de que usted pague un pr\u00e9stamo a tiempo,\u201d\u00a0seg\u00fan informa\u00a0la Oficina para la Protecci\u00f3n Financiera del Consumidor\u00a0(CFPB, por sus siglas en ingl\u00e9s), una agencia del gobierno de los Estados Unidos.\u00a0<span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p>Sus puntajes de cr\u00e9dito\u00a0est\u00e1n basados en factores tales como su \u201chistorial\u00a0de pagos, su deuda pendiente actual, el n\u00famero y tipo de cuentas de pr\u00e9stamos que tiene,\u201d\u00a0as\u00ed como\u00a0<a href=\"https:\/\/www.consumerfinance.gov\/es\/obtener-respuestas\/que-es-un-puntaje-de-credito-es-315\/\" target=\"_blank\" rel=\"noopener noreferrer\">otros factores<\/a>\u00a0en su\u00a0<a href=\"https:\/\/www.consumerfinance.gov\/es\/obtener-respuestas\/que-es-un-informe-de-credito-es-309\/\" target=\"_blank\" rel=\"noopener noreferrer\">informe\u00a0de cr\u00e9dito<\/a>,\u00a0tal\u00a0como\u00a0lo explica la CFPB.\u00a0<span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b>\u00bfPor qu\u00e9\u00a0<\/b><b>es\u00a0<\/b><b>importa<\/b><b>nte<\/b><b>\u00a0<\/b><b>s<\/b><b>u puntaje de cr\u00e9dito?<\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p>Muchos prestamistas utilizan\u00a0su puntaje de cr\u00e9dito para ayudarlos a decidir si aprobar\u00e1n\u00a0su\u00a0solicitud de\u00a0cr\u00e9dito o no,\u00a0como en el caso de\u00a0un pr\u00e9stamo o una tarjeta de cr\u00e9dito. De hecho,\u00a0su\u00a0puntaje de cr\u00e9dito\u00a0se utiliza\u00a0en\u00a0ciertas decisiones que pueden afectar la vida de\u00a0su familia:\u00a0<span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"42\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Pr\u00e9stamos\u00a0personales, pr\u00e9stamos para autos, pr\u00e9stamos para vivienda:\u00a0Las organizaciones prestamistas\u00a0como los\u00a0bancos o\u00a0las\u00a0cooperativas de\u00a0ahorro y\u00a0cr\u00e9dito, pueden considerar\u00a0su puntaje de cr\u00e9dito para decidir si califica para\u00a0un pr\u00e9stamo,\u00a0el monto\u00a0y\u00a0la tasa de inter\u00e9s de\u00a0\u00e9ste.<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"42\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\">Seguros\u00a0(por ejemplo, de auto y\u00a0de hogar):\u00a0Las aseguradoras pueden\u00a0tomar en cuenta\u00a0los\u00a0\u201cpuntajes de seguro basados en\u202fel cr\u00e9dito\u201d\u00a0los cuales incluyen\u00a0muchos, pero no todos, los elementos de su puntaje de cr\u00e9dito regular.\u00a0Los puntajes bajos est\u00e1n asociados con m\u00e1s reclamos,\u00a0por lo\u00a0que las aseguradoras podr\u00edan fijar una tarifa m\u00e1s alta.<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"42\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\">Empresas de servicios p\u00fablicos:\u00a0\u00c9stas pueden considerar su puntaje de cr\u00e9dito \u201cpara decidir si le exigir\u00e1n un dep\u00f3sito a un cliente nuevo para otorgarle el servicio\u201d,\u00a0seg\u00fan\u00a0la Comisi\u00f3n Federal de Comercio.<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"42\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\">Compa\u00f1\u00edas de tel\u00e9fonos celulares, propietarios:\u00a0Las compa\u00f1\u00edas de tel\u00e9fonos celulares y los propietarios\u00a0de viviendas\u00a0tambi\u00e9n pueden\u00a0consultar\u00a0su puntaje de cr\u00e9dito antes de brindarle servicio o alquilarle un\u00a0departamento.\u00a0<span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>Un buen puntaje de cr\u00e9dito puede proporcionarle mejores tasas de\u00a0inter\u00e9s para\u00a0pr\u00e9stamos y tarjetas de cr\u00e9dito, as\u00ed como ayudarle con muchos aspectos de su vida\u00a0cotidiana\u00a0y con la planificaci\u00f3n del futuro financiero de su familia.\u00a0<span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b>CONSEJOS DE OPORTUN:\u00a0<\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<ul>\n<li data-leveltext=\"\u2022\" data-font=\"Calibri\" data-listid=\"44\" aria-setsize=\"-1\" data-aria-posinset=\"0\" data-aria-level=\"1\">Antes de elegir un pr\u00e9stamo, pregunte si el prestamista\u00a0pasa\u00a0informe de\u00a0las cuentas de los clientes a las\u00a0agencias\u00a0de\u00a0informaci\u00f3n de\u00a0cr\u00e9dito. De esta manera, sus pagos\u00a0puntuales\u00a0podr\u00e1n\u00a0beneficiar\u00a0su historial\u00a0crediticio\u00a0y puntaje de cr\u00e9dito.\u00a0<span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"43\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Verificar su informe de cr\u00e9dito\u00a0(tambi\u00e9n llamado reporte de cr\u00e9dito)\u00a0le permite ver su historial de cr\u00e9dito\u00a0y reportar cualquier informaci\u00f3n incorrecta que pueda afectar su puntaje de cr\u00e9dito. Por ley, puede obtener\u00a0<a href=\"https:\/\/www.consumidor.ftc.gov\/articulos\/s0155-informes-de-credito-gratuitos\" target=\"_blank\" rel=\"noopener noreferrer\">una copia gratuita de su informe cada a\u00f1o<\/a>, de cada una de las tres\u00a0agencias de informaci\u00f3n\u00a0de cr\u00e9dito\u00a0principales: Experian, Equifax y Transunion. Solicite su informe de cr\u00e9dito gratis en\u00a0<a href=\"https:\/\/www.annualcreditreport.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.annualcreditreport.com<\/a>\u00a0(en ingl\u00e9s).<span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><em>The information in this site, including any third-party content and opinions, is for educational purposes only and should not be relied upon as legal, tax, or financial advice or to indicate the availability or suitability of any Oportun product or service to your unique circumstances. Contact your independent financial advisor for advice on your personal situation.<\/em><br \/>\n<br><\/br><em>Credit cards through Oportun subject to credit approval. Terms may vary and are subject to change. The Oportun\u00ae Visa\u00ae Credit Card is issued by WebBank. The Oportun Credit Card is open to all consumers, except for residents in CO, DC, IA, MD, WI, and WV. See the Oportun Cardholder Agreement or the Oportun Cash Back Cardholder Agreement for details, including applicable fees.<\/em><br \/>\n<br><\/br><em>Personal loans through Oportun subject to credit approval. Terms may vary by applicant and state and are subject to change. If you refinance, you may pay interest over a longer period of time or at a higher rate and the overall cost of your loan may be higher. Loans in NM and WI are originated by Oportun, Inc. California loans made pursuant to a California Financing Law license. NV loans originated by Oportun, LLC. In AL, AK, AR, AZ, CA, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, and WY loans are originated by Pathward\u00ae, N.A.. Terms, conditions, and state restrictions apply.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Construir el futuro financiero de su familia es un trabajo que se hace con amor. Un aspecto importante para lograrlo es su\u00a0puntaje de cr\u00e9dito. Aqu\u00ed podemos ayudarle\u00a0a comprender qu\u00e9 es un puntaje de cr\u00e9dito y por qu\u00e9 es importante en su vida\u00a0cotidiana.\u00a0 \u00bfQu\u00e9 es un puntaje de cr\u00e9dito?\u00a0 Un puntaje de cr\u00e9dito es un n\u00famero [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[220,221],"tags":[],"post_folder":[],"class_list":["post-10634","post","type-post","status-publish","format-standard","hentry","category-credito-y-deudas","category-tarjetas-de-credito"],"acf":[],"_links":{"self":[{"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/posts\/10634","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/comments?post=10634"}],"version-history":[{"count":0,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/posts\/10634\/revisions"}],"wp:attachment":[{"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/media?parent=10634"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/categories?post=10634"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/tags?post=10634"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/post_folder?post=10634"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}