{"id":2984,"date":"2017-04-10T16:50:03","date_gmt":"2017-04-10T16:50:03","guid":{"rendered":"https:\/\/old.mybscu.org\/?p=2984"},"modified":"2017-04-10T16:50:03","modified_gmt":"2017-04-10T16:50:03","slug":"6-confusing-things-about-your-credit-report","status":"publish","type":"post","link":"https:\/\/old.mybscu.org\/es\/6-confusing-things-about-your-credit-report\/","title":{"rendered":"6 cosas confusas sobre su informe crediticio"},"content":{"rendered":"<p>Si no est\u00e1 acostumbrado a leerlos, los informes crediticios pueden ser tan l\u00f3gicos como un men\u00fa de restaurante impreso en otro idioma. Al menos en un restaurante, puede se\u00f1alar lo que est\u00e1 comiendo otra persona. Pero si no sabe c\u00f3mo leer su historial crediticio, podr\u00eda cometer errores que podr\u00edan complicar su situaci\u00f3n financiera.<\/p>\n<article class=\"text-block default-content-style article default-content-style\">\n<div class=\"container\">\n<div class=\"row\">\n<p>A continuaci\u00f3n se presentan algunas interpretaciones err\u00f3neas comunes que las personas hacen sobre sus informes de cr\u00e9dito y c\u00f3mo evitarlas.<\/p>\n<ol>\n<li><strong>Tienen demasiados pr\u00e9stamos estudiantiles listados para m\u00ed.<\/strong><br \/>\nCuando los pr\u00e9stamos estudiantiles aparecen en los informes crediticios, suelen desglosarse en pr\u00e9stamos individuales para cada semestre que se solicitaron. Claro que conviene asegurarse de que todos los pr\u00e9stamos sean suyos, pero no se sorprenda si ve muchos pr\u00e9stamos con el mismo proveedor.<\/li>\n<li><strong>Debo ser v\u00edctima de robo de identidad porque el nombre de otra persona est\u00e1 en mi informe.<\/strong><br \/>\nCuando compa\u00f1\u00edas como Equifax, Experian y TransUnion recopilan su informaci\u00f3n, buscan recopilar toda la informaci\u00f3n financiera que se reporta sobre usted. Al hacerlo, podr\u00edan confundirlo accidentalmente con alguien con un nombre similar u otra informaci\u00f3n que lo identifique. Esto puede resultar en que el nombre, la direcci\u00f3n, la fecha de nacimiento, el n\u00famero de Seguro Social, etc., de esa persona aparezcan por error en su informe crediticio. Siempre puede solicitar que se elimine este tipo de informaci\u00f3n de su informe crediticio disputando la informaci\u00f3n en el sitio web de la agencia que la publica. Puede acceder al sitio web de cada agencia mencionada anteriormente simplemente agregando &quot;.com&quot; al nombre de la agencia de informes crediticios.<\/li>\n<li><strong>Pagu\u00e9 esa cuenta de cobro, ya no deber\u00eda estar en mi informe.<\/strong><br \/>\nLas agencias de cobranza no est\u00e1n obligadas a eliminar una cuenta de cobro de sus informes crediticios una vez que la haya pagado. Solo deben indicar que la cuenta ha sido saldada. Cuentas negativas como estas permanecen en su informe crediticio durante siete a\u00f1os desde la fecha en que la cuenta entr\u00f3 en mora con el acreedor original, independientemente de si se les paga o no.<\/li>\n<li><strong>Mi puntuaci\u00f3n de cr\u00e9dito no est\u00e1 disponible<\/strong><br \/>\nLos informes de cr\u00e9dito a los que todos tenemos derecho por ley federal (disponibles en www.annualcreditreport.com o llamando al 877.322.8228) no incluyen un puntaje crediticio. Actualmente, no existe ninguna ley que proporcione autom\u00e1ticamente un puntaje gratuito a todos. FICO es la compa\u00f1\u00eda que proporciona el puntaje m\u00e1s utilizado por los prestamistas. Puede adquirir un puntaje en <a href=\"http:\/\/www.myfico.com\/\" target=\"_blank\">www.myfico.com<\/a>.<\/li>\n<li><strong>Mi fecha de nacimiento y direcci\u00f3n son parte de las decisiones de pr\u00e9stamo.<\/strong><br \/>\nAl acceder a sus informes de cr\u00e9dito, ver\u00e1 que se incluye informaci\u00f3n personal, adem\u00e1s de sus datos financieros. Por ejemplo, el informe puede indicar d\u00f3nde vive, cu\u00e1ndo naci\u00f3 y para qui\u00e9n ha trabajado recientemente, entre otros datos. Sin embargo, no debe preocuparse de que esto se use en su contra cuando un posible prestamista revise sus informes. Es ilegal que un prestamista utilice su edad o direcci\u00f3n al tomar decisiones crediticias, y estos datos no se tienen en cuenta en su puntaje crediticio FICO.<\/li>\n<li><strong>Todas estas consultas cuentan en contra de mi puntuaci\u00f3n.<\/strong><br \/>\nCuando alguien que no seas t\u00fa consulta tu informe crediticio, se agrega lo que se denomina una &quot;consulta&quot;. Si alguna vez has consultado informes crediticios, sabr\u00e1s que puede haber much\u00edsimos a la vez. Recuerda que las \u00fanicas consultas que se tienen en cuenta para tu puntaje crediticio son las realizadas durante el \u00faltimo a\u00f1o (aunque permanezcan en tu informe crediticio durante dos a\u00f1os) y las que se realizaron para solicitar cr\u00e9dito o financiar alg\u00fan otro tipo de contrato financiero. Los dem\u00e1s tipos de consultas no se contabilizan en tu contra.<\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/article>","protected":false},"excerpt":{"rendered":"Si no est\u00e1 acostumbrado a leerlos, los informes de cr\u00e9dito pueden tener tanto sentido como un men\u00fa de restaurante impreso [\u2026]"},"author":4,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34,35],"tags":[],"class_list":["post-2984","post","type-post","status-publish","format-standard","hentry","category-credit-cards","category-good-credit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>6 Confusing Things About Your Credit Report - BrightStar Credit Union<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6 Confusing Things About Your Credit Report\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re not used to reading them, credit reports can make about as much sense as a restaurant menu printed [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/old.mybscu.org\/es\/6-confusing-things-about-your-credit-report\/\" \/>\n<meta property=\"og:site_name\" content=\"BrightStar Credit Union\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/BrightStarCU\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-04-10T16:50:03+00:00\" \/>\n<meta name=\"author\" content=\"Sara Moyer\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sara Moyer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/old.mybscu.org\/6-confusing-things-about-your-credit-report\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/old.mybscu.org\/6-confusing-things-about-your-credit-report\/\"},\"author\":{\"name\":\"Sara Moyer\",\"@id\":\"https:\/\/old.mybscu.org\/#\/schema\/person\/52aa5a4fa54d9d6a60a743282e52fb11\"},\"headline\":\"6 Confusing Things About Your Credit Report\",\"datePublished\":\"2017-04-10T16:50:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/old.mybscu.org\/6-confusing-things-about-your-credit-report\/\"},\"wordCount\":659,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/old.mybscu.org\/#organization\"},\"articleSection\":[\"Credit Cards\",\"Good Credit\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/old.mybscu.org\/6-confusing-things-about-your-credit-report\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/old.mybscu.org\/6-confusing-things-about-your-credit-report\/\",\"url\":\"https:\/\/old.mybscu.org\/6-confusing-things-about-your-credit-report\/\",\"name\":\"6 Confusing Things About Your Credit Report - 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