{"id":3207,"date":"2017-05-09T18:26:55","date_gmt":"2017-05-09T18:26:55","guid":{"rendered":"https:\/\/old.mybscu.org\/?p=3207"},"modified":"2018-03-07T20:36:15","modified_gmt":"2018-03-07T20:36:15","slug":"how-to-remove-credit-report-errors","status":"publish","type":"post","link":"https:\/\/old.mybscu.org\/es\/how-to-remove-credit-report-errors\/","title":{"rendered":"C\u00f3mo eliminar errores en los informes de cr\u00e9dito"},"content":{"rendered":"<p><img decoding=\"async\" class=\"aligncenter wp-image-5053 size-full\" src=\"https:\/\/old.mybscu.org\/wp-content\/uploads\/2017\/05\/Credit-Check.jpg\" alt=\"Credit Check\" width=\"800\" height=\"545\" srcset=\"https:\/\/old.mybscu.org\/wp-content\/uploads\/2017\/05\/Credit-Check.jpg 800w, https:\/\/old.mybscu.org\/wp-content\/uploads\/2017\/05\/Credit-Check-300x204.jpg 300w, https:\/\/old.mybscu.org\/wp-content\/uploads\/2017\/05\/Credit-Check-768x523.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>\u00bfQu\u00e9 haces cuando detectas una inexactitud en tu informe crediticio? Toma medidas para disputarla. Gracias a la Ley de Informes de Cr\u00e9dito Justos (Fair Credit Reporting Act), limpiar tu propio informe crediticio suele ser r\u00e1pido y sencillo. Las agencias de informes crediticios (a menudo llamadas bur\u00f3s de cr\u00e9dito) solo deben proporcionar informaci\u00f3n precisa y actualizada.<\/p>\n<p><strong>Paso uno: Obtenga sus informes de cr\u00e9dito<\/strong><br \/>\nPara saber exactamente qu\u00e9 sucede con su cr\u00e9dito, consulte los informes de las principales agencias de cr\u00e9dito: TransUnion, Equifax y Experian. La informaci\u00f3n de cada informe puede variar, ya que no todos los acreedores reportan a todas las agencias. Puede recibir un informe gratuito de cada compa\u00f1\u00eda una vez al a\u00f1o a trav\u00e9s del Servicio Anual de Solicitud de Informes de Cr\u00e9dito, o puede obtenerlos directamente de las agencias por una tarifa.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Paso dos: saber qu\u00e9 se puede eliminar<\/strong><br \/>\nNo puede eliminar todas las anotaciones negativas de su expediente: las agencias de cr\u00e9dito est\u00e1n obligadas a reportar toda la informaci\u00f3n crediticia y de deuda, siempre que sea correcta y oportuna. Entonces, \u00bfqu\u00e9 se puede eliminar?<\/p>\n<ul>\n<li>Informaci\u00f3n incorrecta. Si el informe contiene informaci\u00f3n incorrecta, como una cuenta que nunca abri\u00f3, el nombre de otra persona o la sentencia de una demanda en la que nunca particip\u00f3, puede solicitar que se elimine permanentemente de su historial.<\/li>\n<li>Informaci\u00f3n duplicada. Aunque una cuenta a veces puede aparecer varias veces, conviene que su informe la incluya solo una vez. Esto puede evitar que los prestamistas crean que tiene m\u00e1s deudas o problemas de cr\u00e9dito de los que realmente tiene.<\/li>\n<li>Informaci\u00f3n negativa antigua. En la mayor\u00eda de los casos, la informaci\u00f3n negativa, incluso siendo precisa, no lo atormentar\u00e1 para siempre. Su informe crediticio puede reflejar demandas, sentencias, grav\u00e1menes, ejecuciones hipotecarias, una bancarrota del Cap\u00edtulo 13 (desde la fecha de presentaci\u00f3n), pagos atrasados y cuentas incobrables durante siete a\u00f1os. La bancarrota del Cap\u00edtulo 7 ser\u00e1 evidente durante diez a\u00f1os a partir de la fecha de presentaci\u00f3n. Sin embargo, los atrasos en la manutenci\u00f3n infantil y las anotaciones de incumplimiento de pr\u00e9stamos estudiantiles pueden reportarse hasta que se paguen.<\/li>\n<\/ul>\n<p><strong>Paso tres: Disputar inexactitudes<\/strong><br \/>\nSi detecta errores o elementos que deber\u00edan haber quedado obsoletos en su informe, es momento de tomar medidas:<\/p>\n<ul>\n<li>Presente la disputa ante la agencia. Puede presentarla en el sitio web de la compa\u00f1\u00eda, por tel\u00e9fono o por correo. En todos los casos, deber\u00e1 proporcionar su identificaci\u00f3n personal y una descripci\u00f3n del problema, as\u00ed como la informaci\u00f3n correcta. Si tiene alg\u00fan documento que respalde su caso (como copias de cheques cobrados que confirmen que pag\u00f3 una cuenta), incl\u00fayalo tambi\u00e9n.<\/li>\n<li>Espere 30 d\u00edas. Despu\u00e9s de presentar su disputa, la agencia tiene 30 d\u00edas para investigar el asunto y aparecer\u00e1 una anotaci\u00f3n de disputa en su informe. El acreedor tendr\u00e1 este tiempo para verificar la informaci\u00f3n y, si no puede demostrar su exactitud, la agencia dejar\u00e1 de reportarla. Una vez que la agencia concluya la investigaci\u00f3n, le enviar\u00e1 un informe escrito con los hallazgos y una copia actualizada de su informe crediticio si se produjo alg\u00fan cambio.<\/li>\n<\/ul>\n<p>En la mayor\u00eda de los casos, corregir las inexactitudes es as\u00ed de sencillo. Sin embargo, si la investigaci\u00f3n no arroja ning\u00fan cambio, contacte al acreedor por tel\u00e9fono o correo postal y expl\u00edquele por qu\u00e9 la informaci\u00f3n es incorrecta y que desea que informe la informaci\u00f3n correcta. Incluya copias de los documentos de respaldo (por ejemplo, un estado de cuenta con saldo cero), si los tiene. El acreedor no puede seguir informando informaci\u00f3n no comprobada.<\/p>\n<p>Finalmente, si la situaci\u00f3n a\u00fan no se resuelve a su entera satisfacci\u00f3n (o si la informaci\u00f3n negativa es correcta, pero tiene una buena raz\u00f3n para explicarlo), considere escribir una carta explicativa para agregarla a su informe. En cien palabras o menos, puede explicar su versi\u00f3n del problema crediticio. Redacte la nota con claridad, incluya informaci\u00f3n que la respalde y env\u00edela a las agencias para que la adjunten a su informe. Esta &quot;declaraci\u00f3n de 100 palabras&quot; podr\u00eda ser muy positiva para quien lea el informe.<\/p>","protected":false},"excerpt":{"rendered":"\u00bfQu\u00e9 haces cuando detectas una inexactitud en tu informe crediticio? Toma medidas para disputarla. Debido a [\u2026]"},"author":4,"featured_media":5280,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34,35],"tags":[],"class_list":["post-3207","post","type-post","status-publish","format-standard","has-post-thumbnail","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>How to Remove Credit Report Errors - 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=\"How to Remove Credit Report Errors\" \/>\n<meta property=\"og:description\" content=\"What do you do when you spot an innacuracy on your credit report? 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