{"id":25719,"date":"2023-07-21T09:49:59","date_gmt":"2023-07-21T14:49:59","guid":{"rendered":"https:\/\/testbanksouthern-ada.aceone.io\/?p=25719"},"modified":"2025-12-29T10:48:48","modified_gmt":"2025-12-29T16:48:48","slug":"revise-su-informe-de-credito-a-mitad-de-ano","status":"publish","type":"post","link":"https:\/\/staging.banksouthern.com\/es\/give-yourself-a-mid-year-credit-report-review\/","title":{"rendered":"Revise su informe de cr\u00e9dito a mitad de a\u00f1o"},"content":{"rendered":"

Por Charlestien Harris<\/p>\n

It's the middle of the year, which means it's time to pull your credit report! As a financial counselor, I often advise my clients to regularly review their credit reports to ensure the accuracy of the information and identify any errors. Having good credit makes it easier to obtain loans for major purchases like cars or houses.<\/p>\n

S\u00f3lo hay un sitio web autorizado por el Congreso para proporcionar informes crediticios anuales gratuitos, tal y como establece la ley: AnnualCreditReport.com. Visite www.annualcreditreport.com<\/a> para solicitar un informe gratuito a Equifax, Experian o TransUnion. De hecho, la ley federal le concede acceso a un informe de cr\u00e9dito gratuito de cada una de las tres agencias de cr\u00e9dito nacionales cada 12 meses. Hasta diciembre de 2023, todas las personas en los Estados Unidos tambi\u00e9n pueden obtener un informe de cr\u00e9dito gratuito de cada una de las tres agencias de cr\u00e9dito cada semana a trav\u00e9s de AnnualCreditReport.com. Adem\u00e1s, todas las personas en los Estados Unidos pueden obtener seis informes de cr\u00e9dito gratuitos al a\u00f1o de Equifax hasta 2026, adem\u00e1s del informe gratuito de Equifax (m\u00e1s sus informes de Experian y TransUnion) que puede recibir anualmente.<\/p>\n

Here's what to check when reviewing your credit report:<\/p>\n

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  1. Verifique la exactitud de sus datos personales.<\/strong> Este paso es extremadamente importante, ya que constituye la base de su informe de cr\u00e9dito. Aseg\u00farese de que su direcci\u00f3n, n\u00famero de la seguridad social, ortograf\u00eda del nombre, fecha de nacimiento y otros datos identificativos son correctos. Una vez tuve un cliente que quer\u00eda comprobar su informe de cr\u00e9dito y descubri\u00f3 que otra persona con un nombre similar (excepto la inicial del segundo nombre), un n\u00famero de la seguridad social ligeramente diferente y residente en el mismo estado ten\u00eda sus cuentas apareciendo en su informe. Esto estaba afectando negativamente a su puntuaci\u00f3n crediticia. Las agencias de cr\u00e9dito deben garantizar la exactitud de la informaci\u00f3n que recopilan sobre usted, proporcionarle una copia gratuita de su informe cada 12 meses y ofrecerle la oportunidad de rectificar cualquier error. As\u00ed lo exige la ley federal Fair Credit Reporting Act (FCRA).\n<\/li>\n
  2. Revise cuidadosamente su historial de pagos para asegurarse de su exactitud.<\/strong> Not all credit bureaus report information simultaneously or with every payment. Some bureaus report annually, bi-annually, or quarterly. That's why it's crucial to keep receipts and accurate records of your payment history. In case you need to dispute a record, you can provide supporting documentation. I had to provide documentation for my car payment history when I paid off my last note and received a letter stating that I had missed two payments, along with interest. I knew I had made all the required payments, so I referred back to my payment\/coupon book where I had taped my payment receipts. I made copies of them and sent them to the creditor. I received a letter acknowledging the \"human\" error and confirming that my debt was satisfied. Imagine if I hadn't kept my receipts!\n<\/li>\n
  3. Busque indicios de un posible robo de identidad.<\/strong> Scrutinize your information carefully to identify potential identity theft. Mistakes on your credit report can be an indicator of such fraud. Once identity thieves gain access to your personal information, such as your name, date of birth, address, credit card or bank account details, Social Security Number, or medical insurance account numbers, they can empty your bank account, make charges on your credit cards, obtain new credit cards in your name, open phone, cable, or utility accounts in your name, potentially steal your tax refund, use your health insurance for medical care, or even impersonate you if they get arrested. That's quite a list! To be on the safe side, pull your credit report for peace of mind. Identity theft can harm your credit through unpaid bills and overdue accounts. If you suspect someone may be misusing your personal information, visit gov<\/a> para denunciarlo y recibir un plan de recuperaci\u00f3n personalizado.\n<\/li>\n
  4. Here's how you can obtain a free copy of your credit report.<\/strong> Puede solicitar y revisar su informe gratuito a trav\u00e9s de uno de los siguientes m\u00e9todos:<\/li>\n<\/ol>\n