{"id":98412,"date":"2023-01-30T14:52:27","date_gmt":"2023-01-30T14:52:27","guid":{"rendered":"https:\/\/quehacerpolitico.mx\/?p=98412"},"modified":"2023-01-30T14:54:04","modified_gmt":"2023-01-30T14:54:04","slug":"la-opinion-lic-monserrat-cortes-arrona-quieres-tener-un-excelente-historial-crediticio-aqui-los-puntos-a-seguirla-opinion-lic-monserrat-cortes-arrona","status":"publish","type":"post","link":"https:\/\/quehacerpolitico.mx\/?p=98412","title":{"rendered":"La opini\u00f3n\/\/\/Lic Monserrat Cort\u00e9s Arrona\/\/\/\u00bfQuieres tener un excelente historial crediticio? Aqu\u00ed los puntos a seguir"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Por Lic Monserrat Cort\u00e9s Arrona<br>Analista<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un historial crediticio es un documento o informe que tiene el registro de los cr\u00e9ditos solicitados y el comportamiento frente al uso de estos, es decir, son todos los antecedentes crediticios que tenga una persona.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00bfPor qu\u00e9 es importante el historial crediticio? Este informe permite a instituciones financieras, empresas, tiendas departamentales, compa\u00f1\u00edas telef\u00f3nicas, entre otras, solicitar el comportamiento que se ha tenido un individuo en el pago de cr\u00e9ditos, para determinar si la persona es candidata a alg\u00fan tipo de cr\u00e9dito que dichas entidades le puedan otorgar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Los bancos u organizaciones pueden solicitar esta informaci\u00f3n en el bur\u00f3 de cr\u00e9dito, es aqu\u00ed en donde se deposita todo el informe de pr\u00e9stamos actuales o pasados que hayan tenido los solicitantes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esta es la raz\u00f3n por la que es importante tener un historial crediticio limpio, nunca se sabe en qu\u00e9 momento ser\u00e1 necesario contar con un cr\u00e9dito de un banco o alguna entidad que pueda otorgarlo, lo mejor es que al momento que esto suceda, usted cuente con un registro limpio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfQu\u00e9 es un buen historial crediticio?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De acuerdo al documento oficial del Bur\u00f3 de Cr\u00e9dito, un buen historial crediticio es aquel comprobante ante una instituci\u00f3n financiera o bancaria que te acredita como un buen prestatario por tus pagos puntuales y saldo de deuda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Es un an\u00e1lisis de tus movimientos, cr\u00e9ditos y m\u00e1s a lo largo de tu vida adulta.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><div class=\"wpcp-wp-lightbox-host wpcp-advanced-image-lightbox-icon-hover\"><a href=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-36.jpeg\" data-src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-36.jpeg\" data-thumb=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-36.jpeg\" class=\"ml-lightbox-enabled\"><img loading=\"lazy\" decoding=\"async\" width=\"758\" height=\"404\" src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-36.jpeg\" alt=\"\" class=\"wp-image-98414\" srcset=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-36.jpeg 758w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-36-300x160.jpeg 300w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-36-260x139.jpeg 260w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-36-50x27.jpeg 50w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-36-141x75.jpeg 141w\" sizes=\"auto, (max-width: 758px) 100vw, 758px\" \/><\/a><a href=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-36.jpeg\" data-fancybox=\"wpcp-wp-img-98414\" class=\"wpcp-lightbox-trigger wpcp-advanced-image-lightbox-icon wpcp-position-top-right wpcp-advanced-image-lightbox-icon-hover wpcp-global-lightbox-icon wpcp-lightbox-icon--global wpcp-lb-icon-style-default\" data-wpcp-lb-icon-source=\"global\" aria-label=\"Open image in lightbox\" data-thumb-src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-36-300x160.jpeg\" data-wpcp-lb-single=\"1\"><span class=\"wpcp-icon-container\"><svg viewBox=\"0 0 20 20\"><path d=\"M17.6585 16.025L14.2437 12.6198C15.1716 11.3338 15.6121 9.7613 15.4871 8.1819C15.362 6.60251 14.6795 5.11847 13.5607 3.99351C12.936 3.36206 12.1916 2.86066 11.3709 2.51845C10.5502 2.17623 9.66952 2 8.77995 2C7.89039 2 7.00969 2.17623 6.18899 2.51845C5.36829 2.86066 4.62395 3.36206 3.99919 3.99351C3.36594 4.61649 2.86312 5.35871 2.51992 6.17708C2.17673 6.99545 2 7.87365 2 8.76068C2 9.64772 2.17673 10.5259 2.51992 11.3443C2.86312 12.1627 3.36594 12.9049 3.99919 13.5279C5.11957 14.6901 6.62279 15.4103 8.23285 15.5562C9.84291 15.7022 11.4517 15.2641 12.7639 14.3224L16.1788 17.7275C16.3849 17.9034 16.6473 18 16.9186 18C17.1899 18 17.4523 17.9034 17.6585 17.7275C18.1138 17.16 18.1138 16.5925 17.6585 16.025ZM5.59278 12.0523C5.16258 11.6298 4.82094 11.1263 4.58774 10.5709C4.35455 10.0156 4.23446 9.41951 4.23446 8.81744C4.23446 8.21536 4.35455 7.6193 4.58774 7.06394C4.82094 6.50859 5.16258 6.00503 5.59278 5.58257C6.01644 5.15359 6.52144 4.81292 7.07838 4.58039C7.63532 4.34786 8.23308 4.22811 8.83687 4.22811C9.44066 4.22811 10.0384 4.34786 10.5954 4.58039C11.1523 4.81292 11.6573 5.15359 12.081 5.58257C12.5112 6.00503 12.8528 6.50859 13.086 7.06394C13.3192 7.6193 13.4393 8.21536 13.4393 8.81744C13.4393 9.41951 13.3192 10.0156 13.086 10.5709C12.8528 11.1263 12.5112 11.6298 12.081 12.0523C11.6573 12.4813 11.1523 12.822 10.5954 13.0545C10.0384 13.287 9.44066 13.4068 8.83687 13.4068C8.23308 13.4068 7.63532 13.287 7.07838 13.0545C6.52144 12.822 6.01644 12.4813 5.59278 12.0523Z\" \/><\/svg><\/span><\/a><\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfQu\u00e9 puedo hacer para tener un buen historial crediticio?&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Te dejamos unas buenas pr\u00e1cticas que puedes seguir para conseguir un buen historial crediticio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Conoce la capacidad de pago que tienes<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cuando obtenemos una tarjeta de cr\u00e9dito, si no somos expertos en su uso podemos debilitar en gran manera nuestra econom\u00eda, empezaremos a comprar bienes a cr\u00e9dito pensando en \u201cpuedo pagarlos a meses con\/sin intereses\u201d \u201cla pr\u00f3xima semana recibir\u00e9 un dinero y puedo pagar la tarjeta\u201d etc, es ah\u00ed cuando se comete el error.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por eso, conocer la capacidad de pago es primordial para ayudarnos a obtener un buen historial crediticio, en caso de no saber c\u00f3mo determinar tu capacidad de pago, puedes hacerlo de la siguiente manera:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cada mes establece tus pagos fijos (servicios como agua, luz, gas, Internet, renta, alimentaci\u00f3n, transporte) todos los gastos fijos que puedas tener durante el mes.<\/li>\n\n\n\n<li>Ese monto de gastos fijos, debes restarlo a tus ingresos mensuales para conocer cu\u00e1l es realmente la capacidad de gastos adicionales.<\/li>\n\n\n\n<li>Evita las deudas, si ya conoces la capacidad monetaria para gastos adicionales, no lleves ese monto al l\u00edmite, pues, estar\u00e1s poniendo en riesgo la capacidad para pagar deudas a futuro, adem\u00e1s, disminuyes la posibilidad de cubrir gastos imprevistos debilitando tu econom\u00eda.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si quieres solicitar alg\u00fan tipo de cr\u00e9dito hipotecario es necesario que eval\u00faes cual es tu alcance para el pago de este cr\u00e9dito, ten presente que es un compromiso a largo plazo en el que inicialmente se deben pagar comisiones previas como el aval\u00fao, comisi\u00f3n de apertura o estudios socioecon\u00f3micos para que puedan otorgar el cr\u00e9dito.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><div class=\"wpcp-wp-lightbox-host wpcp-advanced-image-lightbox-icon-hover\"><a href=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-37.jpeg\" data-src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-37.jpeg\" data-thumb=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-37-1024x498.jpeg\" class=\"ml-lightbox-enabled\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"498\" src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-37-1024x498.jpeg\" alt=\"\" class=\"wp-image-98415\" srcset=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-37-1024x498.jpeg 1024w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-37-300x146.jpeg 300w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-37-768x373.jpeg 768w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-37-260x126.jpeg 260w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-37-50x24.jpeg 50w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-37-150x73.jpeg 150w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-37.jpeg 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><a href=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-37.jpeg\" data-fancybox=\"wpcp-wp-img-98415\" class=\"wpcp-lightbox-trigger wpcp-advanced-image-lightbox-icon wpcp-position-top-right wpcp-advanced-image-lightbox-icon-hover wpcp-global-lightbox-icon wpcp-lightbox-icon--global wpcp-lb-icon-style-default\" data-wpcp-lb-icon-source=\"global\" aria-label=\"Open image in lightbox\" data-thumb-src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-37-300x146.jpeg\" data-wpcp-lb-single=\"1\"><span class=\"wpcp-icon-container\"><svg viewBox=\"0 0 20 20\"><path d=\"M17.6585 16.025L14.2437 12.6198C15.1716 11.3338 15.6121 9.7613 15.4871 8.1819C15.362 6.60251 14.6795 5.11847 13.5607 3.99351C12.936 3.36206 12.1916 2.86066 11.3709 2.51845C10.5502 2.17623 9.66952 2 8.77995 2C7.89039 2 7.00969 2.17623 6.18899 2.51845C5.36829 2.86066 4.62395 3.36206 3.99919 3.99351C3.36594 4.61649 2.86312 5.35871 2.51992 6.17708C2.17673 6.99545 2 7.87365 2 8.76068C2 9.64772 2.17673 10.5259 2.51992 11.3443C2.86312 12.1627 3.36594 12.9049 3.99919 13.5279C5.11957 14.6901 6.62279 15.4103 8.23285 15.5562C9.84291 15.7022 11.4517 15.2641 12.7639 14.3224L16.1788 17.7275C16.3849 17.9034 16.6473 18 16.9186 18C17.1899 18 17.4523 17.9034 17.6585 17.7275C18.1138 17.16 18.1138 16.5925 17.6585 16.025ZM5.59278 12.0523C5.16258 11.6298 4.82094 11.1263 4.58774 10.5709C4.35455 10.0156 4.23446 9.41951 4.23446 8.81744C4.23446 8.21536 4.35455 7.6193 4.58774 7.06394C4.82094 6.50859 5.16258 6.00503 5.59278 5.58257C6.01644 5.15359 6.52144 4.81292 7.07838 4.58039C7.63532 4.34786 8.23308 4.22811 8.83687 4.22811C9.44066 4.22811 10.0384 4.34786 10.5954 4.58039C11.1523 4.81292 11.6573 5.15359 12.081 5.58257C12.5112 6.00503 12.8528 6.50859 13.086 7.06394C13.3192 7.6193 13.4393 8.21536 13.4393 8.81744C13.4393 9.41951 13.3192 10.0156 13.086 10.5709C12.8528 11.1263 12.5112 11.6298 12.081 12.0523C11.6573 12.4813 11.1523 12.822 10.5954 13.0545C10.0384 13.287 9.44066 13.4068 8.83687 13.4068C8.23308 13.4068 7.63532 13.287 7.07838 13.0545C6.52144 12.822 6.01644 12.4813 5.59278 12.0523Z\" \/><\/svg><\/span><\/a><\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Puntualidad en los pagos<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si te retrasas un d\u00eda en el pago de tus compromisos crediticios puede no afectar gravemente el historial, sin embargo, si es un h\u00e1bito constante y existen retrasos de 1 mes o m\u00e1s, s\u00ed puede afectar negativamente el historial crediticio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De igual manera puede afectar en tus ingresos o como colonialmente se dice \u201cafecta al bolsillo\u201d \u00bfpor qu\u00e9? si ha realizado compras con intereses o debe pagar mantenimiento de instalaci\u00f3n de servicios, esto puede generar un incremento en las deudas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para evitar esto, puede:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Acudir a la banca por Internet, en donde podr\u00e1 hacer lo pagos desde su tel\u00e9fono m\u00f3vil en cualquier momento.<\/li>\n\n\n\n<li>Acudir a la domiciliaci\u00f3n de pagos, donde le permite al banco que haga los cargos de los pagos en los tiempos establecidos, con est\u00e1 opci\u00f3n usted puede determinar la cantidad que se pagar\u00e1 en cada servicio.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Estas dos opciones le permitir\u00e1n llevar un mejor control para realizar los pagos en las fechas establecidas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3. \u201cA veces menos, es m\u00e1s\u201d No es del todo cierto<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esta es una expresi\u00f3n com\u00fanmente utilizada para referirnos al minimalismo, pero, en las pr\u00e1cticas para obtener un buen historial crediticio, no siempre es mejor pagar menos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pagar el monto m\u00e1s bajo, es decir, el m\u00ednimo de la deuda que se tenga en una tarjeta de cr\u00e9dito no ser\u00e1 siempre la mejor opci\u00f3n, realmente debe ser la \u00faltima alternativa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A medida que se liquide solo el m\u00ednimo de la deuda, mayor ser\u00e1 el tiempo que tardar\u00e1 en liquidar la totalidad del adeudo, esto se debe a que los intereses ir\u00e1n acumul\u00e1ndose, haciendo que sea m\u00e1s dif\u00edcil cancelar el monto, ya que cada vez ser\u00e1 mucho m\u00e1s elevado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para evitar esto, usted puede seguir estos consejos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagar m\u00e1s del monto m\u00ednimo para cancelar el adeudo sin pagar tanto y en menos tiempo.<\/li>\n\n\n\n<li>No caer en promociones enga\u00f1osas, es decir, comprar un bien porque est\u00e1 en \u201cpromoci\u00f3n\u201d a meses y sin enganches. Por lo general las promociones que no tienen enganche, es porque las cuotas a pagar son m\u00e1s elevadas, y si a esto le incluimos que usted no pague en tiempo y forma, se ir\u00e1n acumulando los intereses, pagando as\u00ed m\u00e1s de lo esperado por ese art\u00edculo en \u201cpromoci\u00f3n\u201d.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&nbsp;4. Tener disciplina con las promociones<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una promoci\u00f3n que m\u00e1s llama la atenci\u00f3n y que muchos aprovechamos es la famosa \u201cMeses sin Intereses\u201d en donde puedes comprar productos a un costo diferido en 6, 12 o 18 meses sin que estos generen intereses mensuales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Es una buena opci\u00f3n para aquellos que necesitan comprar productos que en su momento es muy dif\u00edcil adquirirlos en un pago \u201cde contado\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pero, por lo general est\u00e1s promociones vienen en temporadas en donde muchas tiendas departamentales la ofrecen, y \u00bfqu\u00e9 pasa cuando adquieres muchos productos a meses sin intereses?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Muy probablemente pierdas la noci\u00f3n de cuantas cosas compraste por el simple hecho de \u201caprovechar las promociones\u201d y en los meses siguientes tendr\u00e1s que realizar miles de pagos que pueden afectar a tu salud financiera.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entonces, tener cuidado con las promociones y medir cu\u00e1nto realmente se puede gastar, tambi\u00e9n es un h\u00e1bito que debe incluir en sus tr\u00e1mites financieros para conseguir un buen historial crediticio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Teniendo en cuenta que si falta o se atrasa en uno de los pagos mensuales (a meses sin intereses) el banco empezar\u00e1 a cobrar el restante de meses que faltan por pagar con intereses, lo que acarrea una deuda a\u00fan mayor.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><div class=\"wpcp-wp-lightbox-host wpcp-advanced-image-lightbox-icon-hover\"><a href=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-38.jpeg\" data-src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-38.jpeg\" data-thumb=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-38.jpeg\" class=\"ml-lightbox-enabled\"><img loading=\"lazy\" decoding=\"async\" width=\"739\" height=\"415\" src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-38.jpeg\" alt=\"\" class=\"wp-image-98416\" srcset=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-38.jpeg 739w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-38-300x168.jpeg 300w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-38-260x146.jpeg 260w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-38-50x28.jpeg 50w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-38-134x75.jpeg 134w\" sizes=\"auto, (max-width: 739px) 100vw, 739px\" \/><\/a><a href=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-38.jpeg\" data-fancybox=\"wpcp-wp-img-98416\" class=\"wpcp-lightbox-trigger wpcp-advanced-image-lightbox-icon wpcp-position-top-right wpcp-advanced-image-lightbox-icon-hover wpcp-global-lightbox-icon wpcp-lightbox-icon--global wpcp-lb-icon-style-default\" data-wpcp-lb-icon-source=\"global\" aria-label=\"Open image in lightbox\" data-thumb-src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/image-38-300x168.jpeg\" data-wpcp-lb-single=\"1\"><span class=\"wpcp-icon-container\"><svg viewBox=\"0 0 20 20\"><path d=\"M17.6585 16.025L14.2437 12.6198C15.1716 11.3338 15.6121 9.7613 15.4871 8.1819C15.362 6.60251 14.6795 5.11847 13.5607 3.99351C12.936 3.36206 12.1916 2.86066 11.3709 2.51845C10.5502 2.17623 9.66952 2 8.77995 2C7.89039 2 7.00969 2.17623 6.18899 2.51845C5.36829 2.86066 4.62395 3.36206 3.99919 3.99351C3.36594 4.61649 2.86312 5.35871 2.51992 6.17708C2.17673 6.99545 2 7.87365 2 8.76068C2 9.64772 2.17673 10.5259 2.51992 11.3443C2.86312 12.1627 3.36594 12.9049 3.99919 13.5279C5.11957 14.6901 6.62279 15.4103 8.23285 15.5562C9.84291 15.7022 11.4517 15.2641 12.7639 14.3224L16.1788 17.7275C16.3849 17.9034 16.6473 18 16.9186 18C17.1899 18 17.4523 17.9034 17.6585 17.7275C18.1138 17.16 18.1138 16.5925 17.6585 16.025ZM5.59278 12.0523C5.16258 11.6298 4.82094 11.1263 4.58774 10.5709C4.35455 10.0156 4.23446 9.41951 4.23446 8.81744C4.23446 8.21536 4.35455 7.6193 4.58774 7.06394C4.82094 6.50859 5.16258 6.00503 5.59278 5.58257C6.01644 5.15359 6.52144 4.81292 7.07838 4.58039C7.63532 4.34786 8.23308 4.22811 8.83687 4.22811C9.44066 4.22811 10.0384 4.34786 10.5954 4.58039C11.1523 4.81292 11.6573 5.15359 12.081 5.58257C12.5112 6.00503 12.8528 6.50859 13.086 7.06394C13.3192 7.6193 13.4393 8.21536 13.4393 8.81744C13.4393 9.41951 13.3192 10.0156 13.086 10.5709C12.8528 11.1263 12.5112 11.6298 12.081 12.0523C11.6573 12.4813 11.1523 12.822 10.5954 13.0545C10.0384 13.287 9.44066 13.4068 8.83687 13.4068C8.23308 13.4068 7.63532 13.287 7.07838 13.0545C6.52144 12.822 6.01644 12.4813 5.59278 12.0523Z\" \/><\/svg><\/span><\/a><\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Algunos consejos adicionales que te doy son:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vas a solicitar cr\u00e9ditos hipotecarios, primero debes comparar diferentes cr\u00e9ditos, de acuerdo con tus capacidades de pago y necesidades, revisar al menos 3 opciones es un buen inicio, solicita toda la informaci\u00f3n referente al CAT (Costo Anual Total), el monto de enganche, beneficios que ofrecen las entidades financieras. Solicita la informaci\u00f3n que requieras.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Siempre cuida tu informaci\u00f3n, el robo de identidad es muy com\u00fan a nivel mundial, pueden utilizar tu informaci\u00f3n para hacer solicitudes de tarjetas o tr\u00e1mites sin el consentimiento del propietario real, esto puede afectar al historial crediticio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En caso de que se vaya a desechar estados de cuenta, elim\u00ednelos en su totalidad, de igual forma, no de el NIP de sus tarjetas a nadie, verifique las cantidades que est\u00e1 pagando al realizar compras.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a1Toma todas las precauciones para conseguir un buen historial crediticio! En mi opini\u00f3n.Es cuanto.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Por Lic Monserrat Cort\u00e9s ArronaAnalista Un historial crediticio es un documento o informe que tiene&#8230;<\/p>\n","protected":false},"author":2,"featured_media":98413,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[56],"tags":[],"class_list":["post-98412","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La opini\u00f3n\/\/\/Lic Monserrat Cort\u00e9s Arrona\/\/\/\u00bfQuieres tener un excelente historial crediticio? Aqu\u00ed los puntos a seguir -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/quehacerpolitico.mx\/?p=98412\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La opini\u00f3n\/\/\/Lic Monserrat Cort\u00e9s Arrona\/\/\/\u00bfQuieres tener un excelente historial crediticio? Aqu\u00ed los puntos a seguir -\" \/>\n<meta property=\"og:description\" content=\"Por Lic Monserrat Cort\u00e9s ArronaAnalista Un historial crediticio es un documento o informe que tiene...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/quehacerpolitico.mx\/?p=98412\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-30T14:52:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-01-30T14:54:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"962\" \/>\n\t<meta property=\"og:image:height\" content=\"493\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Redacci\u00f3n QP\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Redacci\u00f3n QP\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/?p=98412#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/?p=98412\"},\"author\":{\"name\":\"Redacci\u00f3n QP\",\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/#\\\/schema\\\/person\\\/496d8ad2d1d3f8036101dca7ee39e585\"},\"headline\":\"La opini\u00f3n\\\/\\\/\\\/Lic Monserrat Cort\u00e9s Arrona\\\/\\\/\\\/\u00bfQuieres tener un excelente historial crediticio? Aqu\u00ed los puntos a seguir\",\"datePublished\":\"2023-01-30T14:52:27+00:00\",\"dateModified\":\"2023-01-30T14:54:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/?p=98412\"},\"wordCount\":1316,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/?p=98412#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/quehacerpolitico.mx\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg\",\"articleSection\":[\"Econom\u00eda\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/quehacerpolitico.mx\\\/?p=98412#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/?p=98412\",\"url\":\"https:\\\/\\\/quehacerpolitico.mx\\\/?p=98412\",\"name\":\"La opini\u00f3n\\\/\\\/\\\/Lic Monserrat Cort\u00e9s Arrona\\\/\\\/\\\/\u00bfQuieres tener un excelente historial crediticio? Aqu\u00ed los puntos a seguir -\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/?p=98412#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/?p=98412#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/quehacerpolitico.mx\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg\",\"datePublished\":\"2023-01-30T14:52:27+00:00\",\"dateModified\":\"2023-01-30T14:54:04+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/#\\\/schema\\\/person\\\/496d8ad2d1d3f8036101dca7ee39e585\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/?p=98412#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/quehacerpolitico.mx\\\/?p=98412\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/?p=98412#primaryimage\",\"url\":\"https:\\\/\\\/quehacerpolitico.mx\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg\",\"contentUrl\":\"https:\\\/\\\/quehacerpolitico.mx\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg\",\"width\":962,\"height\":493},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/?p=98412#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Inicio\",\"item\":\"https:\\\/\\\/quehacerpolitico.mx\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"La opini\u00f3n\\\/\\\/\\\/Lic Monserrat Cort\u00e9s Arrona\\\/\\\/\\\/\u00bfQuieres tener un excelente historial crediticio? Aqu\u00ed los puntos a seguir\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/#website\",\"url\":\"https:\\\/\\\/quehacerpolitico.mx\\\/\",\"name\":\"\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/quehacerpolitico.mx\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/quehacerpolitico.mx\\\/#\\\/schema\\\/person\\\/496d8ad2d1d3f8036101dca7ee39e585\",\"name\":\"Redacci\u00f3n QP\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c7164ed6fdec453195284ad24a5ae5b6e1eed2b848477fa2a4787ba9adf39a41?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c7164ed6fdec453195284ad24a5ae5b6e1eed2b848477fa2a4787ba9adf39a41?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c7164ed6fdec453195284ad24a5ae5b6e1eed2b848477fa2a4787ba9adf39a41?s=96&d=mm&r=g\",\"caption\":\"Redacci\u00f3n QP\"},\"url\":\"https:\\\/\\\/quehacerpolitico.mx\\\/?author=2\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"La opini\u00f3n\/\/\/Lic Monserrat Cort\u00e9s Arrona\/\/\/\u00bfQuieres tener un excelente historial crediticio? Aqu\u00ed los puntos a seguir -","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/quehacerpolitico.mx\/?p=98412","og_locale":"es_MX","og_type":"article","og_title":"La opini\u00f3n\/\/\/Lic Monserrat Cort\u00e9s Arrona\/\/\/\u00bfQuieres tener un excelente historial crediticio? Aqu\u00ed los puntos a seguir -","og_description":"Por Lic Monserrat Cort\u00e9s ArronaAnalista Un historial crediticio es un documento o informe que tiene...","og_url":"https:\/\/quehacerpolitico.mx\/?p=98412","article_published_time":"2023-01-30T14:52:27+00:00","article_modified_time":"2023-01-30T14:54:04+00:00","og_image":[{"width":962,"height":493,"url":"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg","type":"image\/jpeg"}],"author":"Redacci\u00f3n QP","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Redacci\u00f3n QP","Tiempo de lectura":"6 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/quehacerpolitico.mx\/?p=98412#article","isPartOf":{"@id":"https:\/\/quehacerpolitico.mx\/?p=98412"},"author":{"name":"Redacci\u00f3n QP","@id":"https:\/\/quehacerpolitico.mx\/#\/schema\/person\/496d8ad2d1d3f8036101dca7ee39e585"},"headline":"La opini\u00f3n\/\/\/Lic Monserrat Cort\u00e9s Arrona\/\/\/\u00bfQuieres tener un excelente historial crediticio? Aqu\u00ed los puntos a seguir","datePublished":"2023-01-30T14:52:27+00:00","dateModified":"2023-01-30T14:54:04+00:00","mainEntityOfPage":{"@id":"https:\/\/quehacerpolitico.mx\/?p=98412"},"wordCount":1316,"commentCount":0,"image":{"@id":"https:\/\/quehacerpolitico.mx\/?p=98412#primaryimage"},"thumbnailUrl":"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg","articleSection":["Econom\u00eda"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/quehacerpolitico.mx\/?p=98412#respond"]}]},{"@type":"WebPage","@id":"https:\/\/quehacerpolitico.mx\/?p=98412","url":"https:\/\/quehacerpolitico.mx\/?p=98412","name":"La opini\u00f3n\/\/\/Lic Monserrat Cort\u00e9s Arrona\/\/\/\u00bfQuieres tener un excelente historial crediticio? Aqu\u00ed los puntos a seguir -","isPartOf":{"@id":"https:\/\/quehacerpolitico.mx\/#website"},"primaryImageOfPage":{"@id":"https:\/\/quehacerpolitico.mx\/?p=98412#primaryimage"},"image":{"@id":"https:\/\/quehacerpolitico.mx\/?p=98412#primaryimage"},"thumbnailUrl":"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg","datePublished":"2023-01-30T14:52:27+00:00","dateModified":"2023-01-30T14:54:04+00:00","author":{"@id":"https:\/\/quehacerpolitico.mx\/#\/schema\/person\/496d8ad2d1d3f8036101dca7ee39e585"},"breadcrumb":{"@id":"https:\/\/quehacerpolitico.mx\/?p=98412#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/quehacerpolitico.mx\/?p=98412"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/quehacerpolitico.mx\/?p=98412#primaryimage","url":"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg","contentUrl":"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg","width":962,"height":493},{"@type":"BreadcrumbList","@id":"https:\/\/quehacerpolitico.mx\/?p=98412#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Inicio","item":"https:\/\/quehacerpolitico.mx\/"},{"@type":"ListItem","position":2,"name":"La opini\u00f3n\/\/\/Lic Monserrat Cort\u00e9s Arrona\/\/\/\u00bfQuieres tener un excelente historial crediticio? Aqu\u00ed los puntos a seguir"}]},{"@type":"WebSite","@id":"https:\/\/quehacerpolitico.mx\/#website","url":"https:\/\/quehacerpolitico.mx\/","name":"","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/quehacerpolitico.mx\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/quehacerpolitico.mx\/#\/schema\/person\/496d8ad2d1d3f8036101dca7ee39e585","name":"Redacci\u00f3n QP","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/c7164ed6fdec453195284ad24a5ae5b6e1eed2b848477fa2a4787ba9adf39a41?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c7164ed6fdec453195284ad24a5ae5b6e1eed2b848477fa2a4787ba9adf39a41?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c7164ed6fdec453195284ad24a5ae5b6e1eed2b848477fa2a4787ba9adf39a41?s=96&d=mm&r=g","caption":"Redacci\u00f3n QP"},"url":"https:\/\/quehacerpolitico.mx\/?author=2"}]}},"featured_image_urls":{"full":["https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg",962,493,false],"thumbnail":["https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF-150x150.jpeg",150,150,true],"medium":["https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF-300x154.jpeg",300,154,true],"medium_large":["https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF-768x394.jpeg",640,328,true],"large":["https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg",640,328,false],"1536x1536":["https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg",962,493,false],"2048x2048":["https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg",962,493,false],"covernews-featured":["https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg",962,493,false],"covernews-medium":["https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/01\/3F8B3156-CE19-4848-832B-D9713DA35BFF.jpeg",540,277,false]},"author_info":{"display_name":"Redacci\u00f3n QP","author_link":"https:\/\/quehacerpolitico.mx\/?author=2"},"category_info":"<a href=\"https:\/\/quehacerpolitico.mx\/?cat=56\" rel=\"category\">Econom\u00eda<\/a>","tag_info":"Econom\u00eda","comment_count":"0","_links":{"self":[{"href":"https:\/\/quehacerpolitico.mx\/index.php?rest_route=\/wp\/v2\/posts\/98412","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/quehacerpolitico.mx\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/quehacerpolitico.mx\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/quehacerpolitico.mx\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/quehacerpolitico.mx\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=98412"}],"version-history":[{"count":2,"href":"https:\/\/quehacerpolitico.mx\/index.php?rest_route=\/wp\/v2\/posts\/98412\/revisions"}],"predecessor-version":[{"id":98418,"href":"https:\/\/quehacerpolitico.mx\/index.php?rest_route=\/wp\/v2\/posts\/98412\/revisions\/98418"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/quehacerpolitico.mx\/index.php?rest_route=\/wp\/v2\/media\/98413"}],"wp:attachment":[{"href":"https:\/\/quehacerpolitico.mx\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=98412"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/quehacerpolitico.mx\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=98412"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/quehacerpolitico.mx\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=98412"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}