¿Cómo puedo aumentar mi puntaje de crédito?

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¿Cómo puedo obtener un puntaje más alto?

- DDE

Estimado DDE:

Los puntajes de crédito miden el nivel de riesgo que un prestamista asume cuando acepta negociar con usted. Cuando haga una solicitud de su puntaje de crédito, recibirá una lista de los factores de riesgo individuales que más afectan sus puntajes actuales. Algunos ejemplos de estos factores podrían ser: pagos atrasados, saldos altos de tarjetas de crédito, muy pocas cuentas activas o cobros.

Esta lista está diseñada para informarle de manera exacta qué elementos de su historial crediticio pueden impactarle de forma negativa de modo que pueda realizar los cambios necesarios para mejorar sus puntajes.

Factores de riesgo del puntaje de crédito

Los factores de riesgo que más afectan un puntaje de crédito variarán de una persona a otra e incluso pueden variar de un mes a otro. Sin embargo, los dos factores más importantes en cada puntaje de crédito son los siguientes:

Historial de pagos: realizar todos sus pagos a tiempo es siempre el factor más importante en el puntaje de crédito. Aunque las situaciones financieras y crediticias individuales pueden variar, el incumplimiento en el pago es el mayor indicador de riesgo para una empresa que intenta decidir si aprueba o no su crédito u otros servicios.
Tasa de utilización: este es el segundo factor más importante en los puntajes de crédito. También denominada relación de utilización, mide cuánto de su crédito disponible utiliza actualmente en sus cuentas renovables. Cuanto más baja sea su tasa de utilización, mejor será su puntaje de crédito.

Mejorar su puntaje de crédito

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Aunque los pagos atrasados permanecen en el informe de crédito durante siete años, mientras más haya pasado tiempo, menos le afectarán. Con el tiempo, sus pagos puntuales más recientes demostrarán que está administrando su crédito de manera responsable, a pesar de problemas de crédito en el pasado.

Posteriormente, revise los saldos de su tarjeta de crédito. Si sus factores de riesgo indican que los saldos actuales de su tarjeta de crédito son demasiado altos, puede ayudar a aumentar sus puntajes de crédito pagando esos saldos.

Los expertos recomiendan mantener su tasa de utilización por debajo del 30 %, pero por debajo del 10 % es mejor para los puntajes de crédito. Lo ideal es que cada mes pague los saldos de su tarjeta de crédito en su totalidad. Hacerlo garantiza que no gastará dinero en intereses ni acumulará deudas de tarjetas de crédito.

Por último, revise la lista de factores de riesgo únicos que se le proporcionan con su puntaje de crédito para ver qué cambios específicos puede hacer para crear un historial crediticio más sólido y en el futuro mejorar aún más sus puntajes de crédito. Por ejemplo, si tiene un cobro médico sin pagar que aparece en su historial crediticio, saldar esa deuda pendiente puede ayudar a mejorar sus puntajes.

Gracias por preguntar,

Jennifer White, especialista en educación del consumidor

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¿Cómo puedo aumentar mi puntaje de crédito?

¿Cómo puedo obtener un puntaje más alto?

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Factores de riesgo del puntaje de crédito

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¿Cómo puedo obtener un puntaje más alto?

Estimado DDE:

Factores de riesgo del puntaje de crédito

Mejorar su puntaje de crédito

Instantly raise your FICO® Score for free

How Good Is Your Credit Score?

Resources

Latest Research

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Instantly raise your FICO^® Score for free