{"id":29491,"date":"2025-10-24T13:02:12","date_gmt":"2025-10-24T20:02:12","guid":{"rendered":"https:\/\/seiu775benefitsgroup.org\/credit-scores-made-simple\/"},"modified":"2025-12-11T08:02:55","modified_gmt":"2025-12-11T16:02:55","slug":"credit-scores-made-simple","status":"publish","type":"post","link":"https:\/\/seiu775benefitsgroup.org\/es\/credit-scores-made-simple\/","title":{"rendered":"Puntajes crediticios simplificados"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"29491\" class=\"elementor elementor-29491 elementor-29149\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-661192b nopadding section_title e-flex e-con-boxed e-con e-parent\" data-id=\"661192b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ac73130 e-con-full blog-bar e-flex e-con e-child\" data-id=\"ac73130\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e486fb7 e-con-full single-column nopadding title e-flex e-con e-child\" data-id=\"e486fb7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36588a7 elementor-widget elementor-widget-spacer\" data-id=\"36588a7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e1e95f elementor-widget__width-inherit elementor-widget elementor-widget-post-info\" data-id=\"1e1e95f\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-b9ff0b6 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Money Management<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e25431 elementor-widget elementor-widget-heading\" data-id=\"8e25431\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Puntajes crediticios simplificados<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c98db14 single-column nopadding section_date e-flex e-con-boxed e-con e-parent\" data-id=\"c98db14\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb5b97d elementor-widget elementor-widget-spacer\" data-id=\"cb5b97d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1916957 elementor-widget__width-inherit elementor-widget elementor-widget-post-info\" data-id=\"1916957\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-dbbd518 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>octubre 24, 2025<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07c7a79 elementor-widget elementor-widget-spacer\" data-id=\"07c7a79\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a8ccf59 single-column nopadding section_body e-flex e-con-boxed e-con e-parent\" data-id=\"a8ccf59\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8325efc elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"8325efc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW238328473 BCX0\" lang=\"es-AR\" xml:lang=\"es-AR\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW238328473 BCX0\" data-ccp-charstyle=\"normaltextrun\" data-ccp-charstyle-defn=\"{&quot;ObjectId&quot;:&quot;ac0262f4-8a9e-5820-b908-2d943c5f7113|1&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[201342446,&quot;1&quot;,201342447,&quot;5&quot;,201342448,&quot;1&quot;,201342449,&quot;1&quot;,469777841,&quot;Calibri&quot;,469777842,&quot;&quot;,469777843,&quot;Calibri&quot;,469777844,&quot;Calibri&quot;,201341986,&quot;1&quot;,469769226,&quot;Calibri&quot;,268442635,&quot;24&quot;,469775450,&quot;normaltextrun&quot;,201340122,&quot;1&quot;,134233614,&quot;true&quot;,469778129,&quot;normaltextrun&quot;,335572020,&quot;1&quot;,469778324,&quot;Default Paragraph Font&quot;]}\">Los problemas de cr&eacute;dito pueden ser dif&iacute;ciles, pero comprender su puntaje crediticio le da el poder de mejorar su situaci&oacute;n. Ya sea que <\/span><span class=\"NormalTextRun SCXW238328473 BCX0\" data-ccp-charstyle=\"normaltextrun\">est&eacute;<\/span><span class=\"NormalTextRun SCXW238328473 BCX0\" data-ccp-charstyle=\"normaltextrun\"> solicitando una nueva casa de alquiler, un pr&eacute;stamo <\/span><span class=\"NormalTextRun SCXW238328473 BCX0\" data-ccp-charstyle=\"normaltextrun\">personal<\/span><span class=\"NormalTextRun SCXW238328473 BCX0\" data-ccp-charstyle=\"normaltextrun\"> o incluso un nuevo tel&eacute;fono, su puntaje crediticio puede <\/span><span class=\"NormalTextRun SCXW238328473 BCX0\" data-ccp-charstyle=\"normaltextrun\">afectar<\/span><span class=\"NormalTextRun SCXW238328473 BCX0\" data-ccp-charstyle=\"normaltextrun\"> silenciosamente sus <\/span><span class=\"NormalTextRun SCXW238328473 BCX0\" data-ccp-charstyle=\"normaltextrun\">opciones y <\/span><span class=\"NormalTextRun SCXW238328473 BCX0\" data-ccp-charstyle=\"normaltextrun\">oportunidades.<\/span><\/span><span class=\"EOP SCXW238328473 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">&nbsp;<\/span><\/p><h3>C&oacute;mo funciona el cr&eacute;dito y por qu&eacute; es importante&nbsp;<\/h3><p><span data-contrast=\"auto\">&nbsp;Su informe crediticio es un registro de su actividad financiera, como pr&eacute;stamos, cuentas de tarjetas de cr&eacute;dito, historial de pagos y l&iacute;mites de cr&eacute;dito. Tambi&eacute;n registra:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">&nbsp;<\/span><\/p><ul><li style=\"list-style-type: none;\"><ul><li><span data-contrast=\"none\">La fecha en que se abri&oacute; una cuenta y el tipo de cuenta (como una tarjeta de cr&eacute;dito o un pr&eacute;stamo).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">&nbsp;<\/span><\/li><li><span data-contrast=\"none\">Si una cuenta est&aacute; abierta o cerrada.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">&nbsp;<\/span><\/li><li><span data-contrast=\"none\">Los montos de los pagos mensuales, sus l&iacute;mites de cr&eacute;dito y los saldos actuales.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">&nbsp;<\/span><\/li><\/ul><\/li><\/ul><p><span data-contrast=\"none\">Su puntaje crediticio mide su fiabilidad ante los prestamistas. La mayor&iacute;a de los puntajes siguen el modelo FICO, los cuales oscilan entre 300 y 900. Este registra su informaci&oacute;n financiera y calcula el puntaje bas&aacute;ndose en varios factores.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">&nbsp;<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60ce169 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"60ce169\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"TextRun MacChromeBold SCXW165557355 BCX0\" lang=\"es-AR\" xml:lang=\"es-AR\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW165557355 BCX0\" data-ccp-charstyle=\"normaltextrun\" data-ccp-charstyle-defn=\"{&quot;ObjectId&quot;:&quot;ac0262f4-8a9e-5820-b908-2d943c5f7113|1&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[201342446,&quot;1&quot;,201342447,&quot;5&quot;,201342448,&quot;1&quot;,201342449,&quot;1&quot;,469777841,&quot;Calibri&quot;,469777842,&quot;&quot;,469777843,&quot;Calibri&quot;,469777844,&quot;Calibri&quot;,201341986,&quot;1&quot;,469769226,&quot;Calibri&quot;,268442635,&quot;24&quot;,469775450,&quot;normaltextrun&quot;,201340122,&quot;1&quot;,134233614,&quot;true&quot;,469778129,&quot;normaltextrun&quot;,335572020,&quot;1&quot;,469778324,&quot;Default Paragraph Font&quot;]}\">Comprender los impactos en su puntaje crediticio<\/span><\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f30fbb elementor-widget elementor-widget-jet-table\" data-id=\"3f30fbb\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper jet-table-responsive-mobile\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-42ae86d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Factor<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a3f7738 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Nivel de impacto<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-cbf4fe5 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Por qu&eacute; es importante<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-9e77d3c jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Consejos<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-a1189b9\"><td class=\"jet-table__cell elementor-repeater-item-4587bc5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Historial de pagos<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-4e81e1f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Alto<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-f369882 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Pagar sus facturas a tiempo tiene un impacto positivo en su puntaje, mientras que los pagos atrasados pueden perjudicarlo. <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-04eb853 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Pague siempre sus facturas a tiempo para mantener un historial positivo, aunque solo sea el pago m&iacute;nimo. <\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-36f4f80\"><td class=\"jet-table__cell elementor-repeater-item-07ab330 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Utilizaci&oacute;n de la tarjeta de cr&eacute;dito<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d114953 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Alto<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-fc1b049 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Mide cu&aacute;nto cr&eacute;dito est&aacute; utilizando en comparaci&oacute;n con el l&iacute;mite de su tarjeta de cr&eacute;dito. Cuanto menor sea el uso, mejor. <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d1d4360 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Mantenga los saldos de sus tarjetas de cr&eacute;dito en un 30&nbsp;% o menos del l&iacute;mite total de su tarjeta. <\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-3745cbc\"><td class=\"jet-table__cell elementor-repeater-item-1a33f70 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Historial crediticio<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-2bce1d3 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Medio<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-2fd1df3 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Un historial crediticio extenso demuestra estabilidad y un uso responsable a lo largo del tiempo.<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-c1e0dcd jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Mantenga abiertas las cuentas m&aacute;s antiguas, aunque no las utilice con frecuencia.<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-8ef9f95\"><td class=\"jet-table__cell elementor-repeater-item-2999cf1 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Combinaci&oacute;n de cr&eacute;ditos (tipos de cuentas)<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-20d15a5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Medio<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-29fda33 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Tener diferentes tipos de cuentas de cr&eacute;dito (demuestra que puede manejar varias deudas).*<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-5c00273 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Intente tener diferentes tipos de cuentas, pero solo pida prestado lo que realmente necesita y puede pagar.<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-8c0cc1f\"><td class=\"jet-table__cell elementor-repeater-item-d69ac1a jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">N&uacute;mero de consultas de cr&eacute;dito <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-9b7d1e8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Bajo<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-ecfd7f2 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Demasiadas solicitudes recientes pueden indicar un riesgo, pero el impacto desaparece con el tiempo. <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-7a60f53 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Solicite un nuevo cr&eacute;dito solo cuando sea necesario y explore las ofertas de preaprobaci&oacute;n. <\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7707e63 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"7707e63\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"none\">*<\/span><span data-contrast=\"auto\"> El cr&eacute;dito rotativo (como una tarjeta de cr&eacute;dito) le permite seguir pidiendo prestado y pagando hasta un l&iacute;mite. El cr&eacute;dito a cuotas (como un pr&eacute;stamo para autom&oacute;vil) se solicita de una sola vez y se paga en cuotas mensuales fijas.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:2,&quot;335551620&quot;:2}\">&nbsp;<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d732ab elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"8d732ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Comprender las consultas de cr&eacute;dito<\/h3><p><span class=\"TextRun SCXW262028590 BCX0\" lang=\"es-AR\" xml:lang=\"es-AR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW262028590 BCX0\">Hay dos formas principales de verificar su puntaje crediticio: <\/span><\/span><span class=\"TextRun MacChromeBold SCXW262028590 BCX0\" lang=\"es-AR\" xml:lang=\"es-AR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW262028590 BCX0\">consultas suaves<\/span><\/span><span class=\"TextRun SCXW262028590 BCX0\" lang=\"es-AR\" xml:lang=\"es-AR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW262028590 BCX0\"> y <\/span><\/span><span class=\"TextRun MacChromeBold SCXW262028590 BCX0\" lang=\"es-AR\" xml:lang=\"es-AR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW262028590 BCX0\">consultas duras<\/span><\/span><span class=\"TextRun SCXW262028590 BCX0\" lang=\"es-AR\" xml:lang=\"es-AR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW262028590 BCX0\">. Conocer la diferencia lo ayuda a proteger su puntaje.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f592bc elementor-widget elementor-widget-jet-table\" data-id=\"1f592bc\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper jet-table-responsive-mobile\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-42ae86d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a3f7738 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Definici&oacute;n<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-cbf4fe5 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Impacto en el puntaje crediticio<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-9e77d3c jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Ejemplos<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-a1189b9\"><td class=\"jet-table__cell elementor-repeater-item-4587bc5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Consulta suave (verificaci&oacute;n de cr&eacute;dito)<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-4e81e1f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Una revisi&oacute;n r&aacute;pida de su cr&eacute;dito que no afecta su puntaje.<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-f369882 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Sin impacto.<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-04eb853 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Revisar su puntaje en una aplicaci&oacute;n bancaria o solicitar ofertas de cr&eacute;dito preaprobadas.<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-36f4f80\"><td class=\"jet-table__cell elementor-repeater-item-07ab330 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Consulta dura (verificaci&oacute;n de cr&eacute;dito)<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d114953 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Revisi&oacute;n completa que hace el prestamista cuando usted solicita un cr&eacute;dito.<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-fc1b049 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Puede reducir ligeramente su puntaje.<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d1d4360 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Solicitar un pr&eacute;stamo, una tarjeta de cr&eacute;dito o una hipoteca.<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fb8793 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"0fb8793\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-size: 16px;\" data-contrast=\"none\">Si alguna vez le deniegan un cr&eacute;dito, los prestamistas deben compartir su puntaje crediticio real y el motivo. Esta informaci&oacute;n puede orientarlo en sus pr&oacute;ximos pasos y ayudarlo a alcanzar sus metas.<\/span><span style=\"font-size: 16px;\" data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0507de2 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"0507de2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Herramientas gratuitas y de confianza para informes crediticios<\/h3><p><span data-contrast=\"none\">Revisar su informe crediticio es gratuito, f&aacute;cil y es un excelente primer paso para comprender su situaci&oacute;n financiera.&nbsp;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">&nbsp;<\/span><\/p><p><span data-contrast=\"auto\"><a href=\"http:\/\/annualcreditreport.com\">AnnualCreditReport.com<\/a> es un lugar seguro y de confianza para obtener su informe crediticio. Cuenta con el respaldo del gobierno de los EE.&nbsp;UU. y nunca cobra comisiones ocultas ni impone servicios adicionales. Usted obtiene un informe crediticio gratuito al a&ntilde;o.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">&nbsp;<\/span><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">&nbsp;<\/span><span data-contrast=\"auto\">Tambi&eacute;n puede consultar su puntaje crediticio a trav&eacute;s de aplicaciones bancarias o de la empresa de su tarjeta de cr&eacute;dito. Se trata solo de una estimaci&oacute;n, pero le da una idea r&aacute;pida de c&oacute;mo los prestamistas ven su cr&eacute;dito sin afectar su puntaje real.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">&nbsp;<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fce9bfe elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fce9bfe\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efa7302 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"efa7302\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"none\">Comprender su puntaje crediticio es una habilidad financiera que puede ayudarlo a superar contratiempos y planificar su futuro. Incluso los peque&ntilde;os pasos hacia la conciencia crediticia pueden conducir a grandes cambios con el tiempo.&nbsp;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">&nbsp;<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">&nbsp;<\/span><\/p>\n<h5><span data-contrast=\"auto\">*Esto busca proporcionar informaci&oacute;n general. No somos un banco ni expertos financieros y no podemos asesorarlo sobre lo que debe hacer con su dinero. Si necesita ayuda para tomar decisiones financieras, consulte a un asesor financiero autorizado.<\/span><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a34828 single-column nopadding section_sharelinks e-flex e-con-boxed e-con e-parent\" data-id=\"2a34828\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6ef6541 e-con-full e-flex e-con e-child\" data-id=\"6ef6541\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-524824a elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"524824a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Compartir:<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9425fe4 elementor-share-buttons--view-icon elementor-share-buttons--skin-flat elementor-grid-3 elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-widget__width-auto elementor-widget elementor-widget-share-buttons\" data-id=\"9425fe4\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Explore c&oacute;mo funciona el puntaje crediticio y por qu&eacute; es importante. Conozca los factores clave, como el historial de pagos y el uso del cr&eacute;dito, y obtenga medidas pr&aacute;cticas para mejorar su puntaje.<\/p>\n","protected":false},"author":2,"featured_media":29070,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[79],"tags":[],"post_folder":[],"class_list":["post-29491","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-management"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Puntajes crediticios simplificados - SEIU 775 Benefits Group<\/title>\n<meta name=\"description\" content=\"Comprender su puntaje crediticio le da el poder de aprovechar las oportunidades para mejorar su futuro financiero.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Puntajes crediticios simplificados - 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