Por Charlestien Harris<\/p>\n\n\n\n
Como asesor financiero acreditado, a menudo me hacen preguntas como \"\u00bfCu\u00e1nto tardar\u00e1 en aumentar mi puntuaci\u00f3n de cr\u00e9dito cuando haga un pago en mis cuentas?\" o \"\u00bfCu\u00e1ndo ver\u00e9 un aumento en mi puntuaci\u00f3n?\". La respuesta m\u00e1s frecuente es que depende del momento en que el acreedor comunique sus datos a las agencias de cr\u00e9dito. <\/p>\n\n\n\n
Sin embargo, decid\u00ed hacer una investigaci\u00f3n adicional para ayudar a explicar por qu\u00e9 su informe de cr\u00e9dito a menudo no refleja su pago m\u00e1s reciente o su puntuaci\u00f3n se mantiene igual m\u00e1s tiempo de lo esperado. <\/p>\n\n\n\n
No hay nada peor que tratar activamente de mejorar su puntuaci\u00f3n de cr\u00e9dito mediante el pago de su deuda y luego tirar de su informe de cr\u00e9dito s\u00f3lo para descubrir que su puntuaci\u00f3n no ha cambiado. Puede ser frustrante no saber si todo ese trabajo duro realmente ha tenido un efecto en el aumento de su puntaje de cr\u00e9dito. Si quiere entender por qu\u00e9 se retrasan los ciclos de puntuaci\u00f3n crediticia, entonces tenemos que mirar m\u00e1s de cerca a las compa\u00f1\u00edas de tarjetas de cr\u00e9dito, bancos, minoristas y otros prestamistas que proporcionan la informaci\u00f3n de pago de cr\u00e9dito a las agencias de cr\u00e9dito. <\/p>\n\n\n\n
Any change in your credit score after you have paid off debt is dependent on the reporting of the creditor. Normally creditors do so on a rolling basis, but you should know that creditors aren't actually obligated to report anything to the credit bureaus. The credit scoring cycle schedules at major creditors varies among them. Most credit issuers report your payment activity on the first of the month regardless of when you made the actual payment. Off cycle reporting is when the creditor reports information to the credit reporting agencies in addition to or outside of their normal reporting schedule.<\/p>\n\n\n\n
Each credit card issuer or creditor that extends credit has different rules about how they report your debt and which bureaus they report to. Some use your statement balance on the date of closing, while others report your balance whenever it's been paid in full (off cycle). Your score will update from the bureaus once they receive this data, but it\u2019s not an exact science. Not all creditors report to all three bureaus. That is why all your accounts may not show up on all three of your credit reports.<\/p>\n\n\n\n
Si sigue pagando sus deudas y construyendo un buen historial de cr\u00e9dito, su puntuaci\u00f3n crediticia crecer\u00e1 m\u00e1s y m\u00e1s r\u00e1pido. Tambi\u00e9n le permitir\u00e1 recibir m\u00e1s cr\u00e9dito y a mejores tipos de inter\u00e9s. La constancia es lo que m\u00e1s buscan los acreedores a la hora de determinar su solvencia. Usted podr\u00eda ver una diferencia en su puntuaci\u00f3n y solvencia crediticia en seis meses si sigue los pasos que he descrito a continuaci\u00f3n. <\/p>\n\n\n\n
No me canso de insistir en la importancia de pagar las facturas a tiempo. El historial de pagos constituye el 35% de su puntuaci\u00f3n crediticia. Atrasarse en el pago de una hipoteca puede afectar seriamente a su puntuaci\u00f3n, pero puede recuperarse en nueve meses si paga puntualmente durante al menos seis meses. En cambio, declararse en quiebra puede llevar de cinco a diez a\u00f1os. <\/p>\n\n\n\n
La utilizaci\u00f3n del cr\u00e9dito es otro factor importante a tener en cuenta a la hora de mejorar su puntuaci\u00f3n crediticia. La utilizaci\u00f3n del cr\u00e9dito se refiere a la cantidad de cr\u00e9dito que ha utilizado en comparaci\u00f3n con la cantidad de cr\u00e9dito que le ha concedido un prestamista. Tambi\u00e9n se refiere a una proporci\u00f3n que los prestamistas utilizan para determinar su solvencia. A menudo se mide por porcentaje de utilizaci\u00f3n y se suele recomendar mantener su tasa de utilizaci\u00f3n en 30% o menos. El historial de pagos y el \u00edndice de utilizaci\u00f3n del cr\u00e9dito suelen representar entre 60% y 70% de la puntuaci\u00f3n crediticia, seg\u00fan Experian. <\/p>\n\n\n\n
Fixing errors on your credit report is another move you can make to improve your score. If you don't have an installment loan (auto loan, mortgage, or other) on your credit report you should. Credit score formulas love to see diversity or a good credit mix in computing your credit score. When you are trying to raise your credit score, keeping down the number of inquiries is another positive step to raising your score. Beyond that, you should be patient because you can\u2019t rush the length of your credit history; only time will help. Until next week, stay financially fit!<\/p>","protected":false},"excerpt":{"rendered":"
By Charlestien Harris As an accredited financial counselor, I\u2019m often asked questions like \u201cHow long will it take for my credit score to increase when I make a payment on my accounts?\u201d or \u201cWhen will I see an increase in my score?\u201d. The answer I most often reply with is it depends on when the […]<\/p>\n","protected":false},"author":3,"featured_media":20875,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,293,172],"tags":[],"class_list":["post-22750","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-credit","category-financial-fitness"],"acf":[],"_links":{"self":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/22750","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/comments?post=22750"}],"version-history":[{"count":1,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/22750\/revisions"}],"predecessor-version":[{"id":22751,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/22750\/revisions\/22751"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media\/20875"}],"wp:attachment":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media?parent=22750"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/categories?post=22750"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/tags?post=22750"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}