{"id":113840,"date":"2024-12-14T23:08:32","date_gmt":"2024-12-15T05:08:32","guid":{"rendered":"https:\/\/quehacerpolitico.mx\/?p=113840"},"modified":"2024-12-14T23:08:34","modified_gmt":"2024-12-15T05:08:34","slug":"como-y-que-es-el-buro-de-credito","status":"publish","type":"post","link":"https:\/\/quehacerpolitico.mx\/?p=113840","title":{"rendered":"Como y Que es el Bur\u00f3 de Cr\u00e9dito?"},"content":{"rendered":"\n<p>Por Redacci\u00f3n QP<\/p>\n\n\n\n<p>Este es uno de los \u00faltimos recursos disponibles ante una deuda crediticia<\/p>\n\n\n\n<p>De acuerdo con el&nbsp;<strong>Reporte Nacional de Bienestar Financiero del 2024<\/strong>&nbsp;realizado por&nbsp;<strong>Invested<\/strong>, solo 1 de cada 10 mexicanos no tiene deudas. En ese sentido, algunos de ellos han solicitado cr\u00e9ditos que despu\u00e9s no ha sido posible pagar. Naturalmente, al verse retrasados en los pagos, los cr\u00e9ditos han generado intereses, creciendo inconmensurablemente las deudas adquiridas, \u00bfqu\u00e9 es lo que se puede hacer?<\/p>\n\n\n\n<p><strong>La mejor opci\u00f3n es buscar una reestructuraci\u00f3n con la entidad financiera en la que se ha generado la deuda<\/strong>. En muchas ocasiones, los propios bancos e instituciones financieras se acercan con el deudor para ofrecer opciones. Sin embargo, tambi\u00e9n puedes acercarte para comenzar a negociar un plan para sanear la deuda.<\/p>\n\n\n\n<p><strong>Otra posibilidad es buscar una consolidaci\u00f3n de deuda<\/strong>. Esta opci\u00f3n te permite agrupar todas tus deudas en una sola. Como sugerencia, la&nbsp;<strong>Comisi\u00f3n Nacional para la Protecci\u00f3n y Defensa de los Usuarios de Servicios Financieros&nbsp;<\/strong>recomienda&nbsp;<strong>elegir una instituci\u00f3n con menor CAT y menor tasa de inter\u00e9s<\/strong>. No todos los bancos e instituciones ofrecen este tipo de servicios, as\u00ed que ac\u00e9rcate para revisar cu\u00e1l es la opci\u00f3n m\u00e1s conveniente.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"656\" height=\"468\" src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2024\/12\/image-2.png\" alt=\"\" class=\"wp-image-113841\" srcset=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2024\/12\/image-2.png 656w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2024\/12\/image-2-300x214.png 300w\" sizes=\"auto, (max-width: 656px) 100vw, 656px\" \/><\/figure>\n\n\n\n<p><strong>En \u00faltimas instancias, estas instituciones buscar\u00e1n ejercer la opci\u00f3n de la &#8220;quita&#8221;.<\/strong>\u00a0En esta modalidad, se establece un acuerdo para solventar tu deuda con un descuento may\u00fasculo. El descuento puede variar dependiendo de la instituci\u00f3n, sin embargo, es identificable porque normalmente se encuentra entre el 70 y el 85 por ciento.<\/p>\n\n\n\n<p>No obstante,\u00a0<strong>es una opci\u00f3n que no es recomendable<\/strong>, puesto que\u00a0<strong>afecta las posibilidades de adquirir pr\u00e9stamos en el futuro. Incluso deja una mala nota en el historial crediticio de hasta 6 a\u00f1os independientemente del monto de la deuda.<\/strong><\/p>\n\n\n\n<p>Recuerda que las deudas en el Bur\u00f3 de Cr\u00e9dito tienen cierta vigencia determinada por los montos y servicios adquiridos.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Por Redacci\u00f3n QP Este es uno de los \u00faltimos recursos disponibles ante una deuda crediticia&#8230;<\/p>\n","protected":false},"author":2,"featured_media":113842,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[56],"tags":[],"class_list":["post-113840","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin 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