{"id":10663,"date":"2018-03-27T00:00:00","date_gmt":"2018-03-27T00:00:00","guid":{"rendered":"https:\/\/oportundev3.wpengine.com\/blog\/informes-y-puntajes-de-credito-conozca-la-diferencia\/"},"modified":"2025-03-03T17:09:46","modified_gmt":"2025-03-04T01:09:46","slug":"informes-y-puntajes-de-credito-conoce-la-diferencia","status":"publish","type":"post","link":"https:\/\/oportun.com\/es\/educacion-financiera\/informes-y-puntajes-de-credito-conozca-la-diferencia\/","title":{"rendered":"Informes y puntajes de cr\u00e9dito: Conozca la diferencia"},"content":{"rendered":"<p>Los puntajes de cr\u00e9dito se generan utilizando\u00a0informaci\u00f3n\u00a0contenida en\u00a0un informe de cr\u00e9dito.\u00a0<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p>Un\u00a0<a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-credit-report-en-309\/\" target=\"_blank\" rel=\"noopener noreferrer\">informe de cr\u00e9dito<\/a><b>\u00a0<\/b>es una declaraci\u00f3n\u00a0que\u00a0muestra informaci\u00f3n personal acerca de usted y sobre c\u00f3mo utiliza\u00a0el cr\u00e9dito.\u00a0Contiene informaci\u00f3n sobre el\u00a0n\u00famero de cuentas de cr\u00e9dito que usted tiene, el\u00a0estado de sus cuentas\u00a0(abiertas,\u00a0en mora,\u00a0al d\u00eda, pagadas, etc.),\u00a0y el historial de cr\u00e9dito, entre otras cosas.\u00a0<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p>Un\u00a0<a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-credit-score-en-315\/\" target=\"_blank\" rel=\"noopener noreferrer\">puntaje de cr\u00e9dito<\/a>\u00a0se basa en la informaci\u00f3n de su informe de cr\u00e9dito y, utilizando una f\u00f3rmula matem\u00e1tica\u00a0propietaria,\u00a0cada agencia de cr\u00e9dito genera un n\u00famero de tres d\u00edgitos (puntaje) que representa la probabilidad que usted\u00a0tiene de pagar una deuda.\u00a0Un puntaje de cr\u00e9dito mayor significa que es m\u00e1s probable que usted pague una deuda.<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p>Usted tiene varios informes de cr\u00e9dito creados por diferentes agencias de informes de cr\u00e9dito que posiblemente tengan informaci\u00f3n financiera diferente sobre usted. Tambi\u00e9n tiene varios puntajes de cr\u00e9dito, que pueden diferir seg\u00fan el tipo de puntaje (como VantageScore<sup><strong>\u00ae<\/strong><\/sup> y FICO<sup><strong>\u00ae<\/strong><\/sup>) y cu\u00e1l agencia de informes de cr\u00e9dito calcul\u00f3 su puntaje, ya que pueden tener informaci\u00f3n diferente sobre usted y utilizar un modelo de puntuaci\u00f3n distinto.<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3>Datos de\u00a0los\u00a0informes de cr\u00e9dito:<\/h3>\n<p>Se genera un puntaje\u00a0de cr\u00e9dito\u00a0a partir de los datos archivados en una agencia de informes crediticios, como uno\u00a0de los tres\u00a0bur\u00f3s\u00a0principales, Equifax, Experian,\u00a0TransUnion\u00a0u\u00a0otra agencia de informes de cr\u00e9dito. Cada una\u00a0puede tener datos ligeramente diferentes,\u00a0ya que las compa\u00f1\u00edas que reportan datos no reportan a todas las agencias. Por ejemplo,\u00a0Oportun\u00a0informa las cuentas de los clientes y los historiales de pago a dos de las tres agencias principales,\u00a0TransUnion\u00a0y Equifax.<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3>Tiempo:<\/h3>\n<p>Los puntajes no son fijos y pueden variar con el tiempo, seg\u00fan:<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Cu\u00e1ndo se actualizan\u00a0los datos\u00a0en la agencia de informes\u00a0de\u00a0cr\u00e9dito<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\">Cu\u00e1ndo\u00a0se\u00a0calcula\u00a0su puntaje, ya que la f\u00f3rmula de puntaje se actualiza\u00a0con regularidad<span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>Puede considerar consultar\u00a0sus informes de cr\u00e9dito antes de solicitar un pr\u00e9stamo para asegurarse de que la informaci\u00f3n sea precisa. Los errores en su informe de cr\u00e9dito pueden afectar su puntaje\u00a0de cr\u00e9dito, lo que a su vez puede afectar su capacidad para obtener un pr\u00e9stamo o los t\u00e9rminos del pr\u00e9stamo.\u00a0<a href=\"http:\/\/oportun.com\/es\/educacion-financiera\/informes-de-credito-que-son-y-por-que-necesito-uno\/\">Aprenda\u00a0c\u00f3mo\u00a0obtener\u00a0un informe de cr\u00e9dito gratis<\/a>.<\/p>\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>Los puntajes de cr\u00e9dito se generan utilizando\u00a0informaci\u00f3n\u00a0contenida en\u00a0un informe de cr\u00e9dito.\u00a0\u00a0 Un\u00a0informe de cr\u00e9dito\u00a0es una declaraci\u00f3n\u00a0que\u00a0muestra informaci\u00f3n personal acerca de usted y sobre c\u00f3mo utiliza\u00a0el cr\u00e9dito.\u00a0Contiene informaci\u00f3n sobre el\u00a0n\u00famero de cuentas de cr\u00e9dito que usted tiene, el\u00a0estado de sus cuentas\u00a0(abiertas,\u00a0en mora,\u00a0al d\u00eda, pagadas, etc.),\u00a0y el historial de cr\u00e9dito, entre otras cosas.\u00a0\u00a0 Un\u00a0puntaje de cr\u00e9dito\u00a0se basa [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":10520,"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-10663","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\/10663","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=10663"}],"version-history":[{"count":0,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/posts\/10663\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/media\/10520"}],"wp:attachment":[{"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/media?parent=10663"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/categories?post=10663"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/tags?post=10663"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/oportun.com\/es\/wp-json\/wp\/v2\/post_folder?post=10663"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}