{"id":10662,"date":"2018-04-18T00:00:00","date_gmt":"2018-04-18T00:00:00","guid":{"rendered":"https:\/\/oportundev3.wpengine.com\/blog\/informes-de-credito-que-son-y-por-que-necesito-uno\/"},"modified":"2023-10-25T12:42:14","modified_gmt":"2023-10-25T19:42:14","slug":"informes-de-credito-que-son-y-por-que-necesito-uno","status":"publish","type":"post","link":"https:\/\/oportun.com\/es\/educacion-financiera\/informes-de-credito-que-son-y-por-que-necesito-uno\/","title":{"rendered":"Informes de cr\u00e9dito: \u00bfQu\u00e9 son y por qu\u00e9 necesito uno?"},"content":{"rendered":"<p>De acuerdo con\u00a0la Oficina\u00a0para la Protecci\u00f3n Financiera del Consumidor (<em>Consumer Finance Protection<\/em>\u00a0<i>Bureau (CFPB)),\u00a0<\/i>una agencia del gobierno federal, un\u00a0informe de cr\u00e9dito\u00a0es una declaraci\u00f3n que muestra informaci\u00f3n financiera sobre usted y c\u00f3mo ha utilizado el cr\u00e9dito. Los informes de cr\u00e9dito son generados por las\u00a0compa\u00f1\u00edas de informes de cr\u00e9dito, tambi\u00e9n conocidas como\u00a0agencias de informes de\u00a0cr\u00e9dito.<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p>Las compa\u00f1\u00edas financieras como bancos y acreedores, y algunos servicios p\u00fablicos y propietarios\u00a0de viviendas\u00a0brindan informaci\u00f3n sobre sus finanzas e historial de pago a las agencias\u00a0de\u00a0informes de\u00a0cr\u00e9dito para que puedan crear los informes de cr\u00e9dito sobre usted.<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p>Hay tres\u00a0agencias de\u00a0informes de\u00a0cr\u00e9dito principales: Equifax, Experian y\u00a0TransUnion.\u00a0Usted puede obtener un informe de cr\u00e9dito gratuito de cada una de estas\u00a0agencias de cr\u00e9dito cada a\u00f1o para verificar la\u00a0exactitud de la\u00a0informaci\u00f3n sobre usted\u00a0e\u00a0informar errores o fraudes, como el robo de identidad. Seg\u00fan\u00a0la\u00a0CFPB, hay otras razones por las que podr\u00eda obtener informes gratuitos adicionales,\u00a0\u00a0tal\u00a0como ser negados\u00a0cr\u00e9dito o seguro. Tambi\u00e9n puede verificar su\u00a0puntaje de cr\u00e9dito:\u00a0un n\u00famero que representa la informaci\u00f3n en su informe.\u00a0Conozca\u00a0m\u00e1s\u00a0al respecto.<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p>Oportun informa las cuentas de los clientes para que usted pueda establecer un historial de cr\u00e9dito (la informaci\u00f3n en su informe de cr\u00e9dito acerca de c\u00f3mo ha utilizado el cr\u00e9dito). Hacer los pagos de su pr\u00e9stamo a tiempo y en su totalidad puede ayudarlo a establecer un buen historial de cr\u00e9dito, lo que podr\u00eda ayudarlo a obtener otro cr\u00e9dito, como un pr\u00e9stamo de auto o una tarjeta de cr\u00e9dito, o alquilar un apartamento. Los pagos atrasados o no efectuados pueden tener un impacto negativo en el historial de cr\u00e9dito y en los puntajes de cr\u00e9dito.<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p>Usted puede solicitar unos informes de\u00a0cr\u00e9dito gratis:<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Por Internet:\u00a0<a href=\"https:\/\/www.annualcreditreport.com\/index.action\" target=\"_blank\" rel=\"noopener noreferrer\">AnnualCreditReport.com<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/a><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\">Por\u00a0tel\u00e9fono:\u00a0 1-877-322-8228<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\">Por correo postal: Descargue,\u00a0imprima\u00a0y complete el\u00a0formulario\u00a0<a href=\"https:\/\/www.annualcreditreport.com\/cra\/requestformfinal.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Annual Credit Report Request<\/a>\u00a0(Solicitud anual de informe de cr\u00e9dito).\u00a0Env\u00ede por correo el formulario completo a:\u00a0 Annual\u00a0Credit\u00a0Report\u00a0Request\u00a0Service, P.O Box 105281, Atlanta, GA 30348-5281<span data-ccp-props=\"{&quot;335559685&quot;:1440}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>La\u00a0CFPB\u00a0dice que\u00a0<a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-credit-report-en-309\/\" target=\"_blank\" rel=\"noopener noreferrer\">los informes de cr\u00e9dito contienen otra informaci\u00f3n como<\/a>:<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3>Informaci\u00f3n personal:<\/h3>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Su nombre y cualquier otro nombre que use o haya usado en el pasado en\u00a0relaci\u00f3n\u00a0con una cuenta de cr\u00e9dito.<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Direcciones\u00a0actuales\u00a0y\u00a0pasadas<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Fecha\u00a0de\u00a0nacimiento<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">N\u00famero\u00a0de Seguro Social<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">N\u00fameros\u00a0telef\u00f3nicos<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3>Cuentas de cr\u00e9dito:<\/h3>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Cuentas de cr\u00e9dito actuales y pasadas, incluyendo el tipo de cuenta\u00a0(tales como hipotecas, pr\u00e9stamos de auto, pr\u00e9stamos de estudio, cuotas,\u00a0l\u00edneas de cr\u00e9dito, etc.)<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\">L\u00edmite o monto del\u00a0cr\u00e9dito\u00a0<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\">Saldo de la\u00a0cuenta<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\">Historial\u00a0de\u00a0pago<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\">Fechas en las que la cuenta se abri\u00f3\u00a0o se cerr\u00f3<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\">El\u00a0nombre\u00a0del\u00a0acreededor<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3>Datos sobre cobranzas:<\/h3>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Deudas pendientes que se enviaron a cobranzas<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3>Registros p\u00fablicos:<\/h3>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Derechos de\u00a0retenci\u00f3n\u00a0(<i>l<\/i><i>iens<\/i>)<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\">Ejecuciones\u00a0hipotecarias\u00a0(<i>f<\/i><i>oreclosures<\/i>)<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\">Bancarrotas\u00a0(<i>bankruptcies<\/i>)<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3>Consultas:<\/h3>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\">Empresas que accedieron a su informe de cr\u00e9dito (un posible prestamista, empleadores y su propia solicitud de un informe anual).<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\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>De acuerdo con\u00a0la Oficina\u00a0para la Protecci\u00f3n Financiera del Consumidor (Consumer Finance Protection\u00a0Bureau (CFPB)),\u00a0una agencia del gobierno federal, un\u00a0informe de cr\u00e9dito\u00a0es una declaraci\u00f3n que muestra informaci\u00f3n financiera sobre usted y c\u00f3mo ha utilizado el cr\u00e9dito. Los informes de cr\u00e9dito son generados por las\u00a0compa\u00f1\u00edas de informes de cr\u00e9dito, tambi\u00e9n conocidas como\u00a0agencias de informes de\u00a0cr\u00e9dito.\u00a0 Las compa\u00f1\u00edas financieras [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":10517,"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-10662","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-y-deudas","category-tarjetas-de-credito"],"acf":[],"_links":{"self":[{"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/posts\/10662","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=10662"}],"version-history":[{"count":0,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/posts\/10662\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/media\/10517"}],"wp:attachment":[{"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/media?parent=10662"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/categories?post=10662"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/tags?post=10662"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/post_folder?post=10662"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}