{"id":22542,"date":"2024-01-11T16:06:56","date_gmt":"2024-01-11T19:06:56","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/?p=22542"},"modified":"2024-01-16T17:38:48","modified_gmt":"2024-01-16T20:38:48","slug":"como-afecta-mi-score-crediticio-al-solicitar-un-prestamo","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/como-afecta-mi-score-crediticio-al-solicitar-un-prestamo\/","title":{"rendered":"\u00bfC\u00f3mo afecta mi score crediticio al solicitar un pr\u00e9stamo?"},"content":{"rendered":"\n<p>El<strong> score o historial crediticio<\/strong> es, en pocas palabras, un <strong>registro de todas tus deudas contra\u00eddas y cancelaciones de estas<\/strong>. Incluye desde los pr\u00e9stamos que solicitaste hasta los pagos en cuotas con tu tarjeta de cr\u00e9dito, atrasos en el pago de servicios p\u00fablicos, hipotecas y dem\u00e1s.<\/p>\n\n\n\n<p>Cada vez que solicites un producto financiero, <strong>la entidad prestamista revisar\u00e1 tu comportamiento como deudor para definir si est\u00e1s apto o no para solicitarlo.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfD\u00f3nde puedo revisar mi historial crediticio?<\/h2>\n\n\n\n<p>En Uruguay toda la informaci\u00f3n de tu historial crediticio la pod\u00e9s encontrar en<strong> <\/strong>el<strong> Clearing de Informes.<\/strong> Existen tres maneras de revisar esta informaci\u00f3n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>De forma gratuita, comunic\u00e1ndose con el centro de atenci\u00f3n al ciudadano de<strong> Equifax Uruguay<\/strong> al tel\u00e9fono 2628, 1515 interno, 1 opci\u00f3n 2, de lunes a viernes en el horario de 09:00 a 17:30 horas. Lo recibir\u00e1n v\u00eda mail en un plazo de cinco d\u00edas h\u00e1biles.<\/li>\n\n\n\n<li>En cualquier sucursal de Abitab o <strong>Redpagos <\/strong>solicitando el producto \u201cReferencias Clearing\u201d, con un costo asociado.<\/li>\n\n\n\n<li>A trav\u00e9s de www.clearing.com.uy\/personas, disponible las 24 horas del d\u00eda los 7 d\u00edas de la semana, con un costo asociado.<\/li>\n<\/ul>\n\n\n\n<p>Tambi\u00e9n pod\u00e9s hacerlo mediante el<a href=\"http:\/\/app.alprestamo.uy?utm_source=blog&amp;utm_medium=nota&amp;utm_campaign=lanzamiento5\" target=\"_blank\" rel=\"noreferrer noopener\"> registro de Alprestamo<\/a>, que entre otros beneficios, te permite conocer tu puntaje de cr\u00e9dito y ver a qu\u00e9 productos pod\u00e9s acceder. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo afecta mi score crediticio al solicitar un pr\u00e9stamo?<\/h2>\n\n\n\n<p>Las tasas de inter\u00e9s que los bancos y entidades financieras otorgan al prestar dinero son proporcionales al historial crediticio de la persona f\u00edsica o jur\u00eddica que lo solicita. Es decir, si no<strong> figuras en el Clearing<\/strong> o si pagaste tus deudas en forma, cont\u00e1s con un historial crediticio positivo y pod\u00e9s conseguir las mejores tasas de inter\u00e9s posible -que en Uruguay son de entre el 5% y el 10%. <\/p>\n\n\n\n<p>En cambio, si a\u00fan ten\u00e9s deudas impagas o te atrasaste con el pago de tus deudas recientes, <strong>es posible que no se te otorgue el pr\u00e9stamo solicitado o que la entidad prestamista aplica un extra sobre las tasas de inter\u00e9s que debes abonar para apaciguar sus riesgos.&nbsp;<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo tener un buen puntaje de scoring?<\/h2>\n\n\n\n<p>Contar con una buena salud financiera nos permite mejorar el score para acceder a mejores condiciones de cr\u00e9dito; para esto debemos cumplir con nuestros compromisos y realizar algunas acciones que contribuyen a mejorarla d\u00eda a d\u00eda. Algunos consejos para esto son:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pagar a t\u00e9rmino tus obligaciones:&nbsp;<\/strong>las penalidades por mora o falta de pago no son s\u00f3lo econ\u00f3micas, tambi\u00e9n perjudican tu scoring de cr\u00e9dito.<\/li>\n\n\n\n<li><strong>Manten\u00e9 tus vencimientos mensuales por debajo del 30% de tus ingresos.&nbsp;<\/strong><\/li>\n\n\n\n<li><strong>Evit\u00e1 re\ufb01nanciar la tarjeta de cr\u00e9dito o caer en el pago m\u00ednimo.<\/strong><\/li>\n\n\n\n<li><strong>Tener ingresos demostrables y antig\u00fcedad laboral&nbsp;<\/strong>es uno de los factores principales que se tienen en cuenta.<\/li>\n\n\n\n<li>Algunas empresas ofrecen pr\u00e9stamos a personas sin historial \ufb01nanciero,&nbsp;<strong>estos primeros cr\u00e9ditos pueden servirte para generar historial.<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo conseguir los mejores pr\u00e9stamos aunque tenga un scoring negativo?&nbsp;<\/h2>\n\n\n\n<p><strong>Alprestamo es un marketplace de productos financieros en donde pod\u00e9s<\/strong> <strong>encontrar pr\u00e9stamos, cr\u00e9ditos y otras soluciones que se adapten a tu historial crediticio<\/strong>. Solo ten\u00e9s que<a href=\"http:\/\/app.alprestamo.uy?utm_source=blog&amp;utm_medium=nota&amp;utm_campaign=lanzamiento6\" target=\"_blank\" rel=\"noreferrer noopener\"> registrarte con tus datos <\/a>y en pocos segundos nuestro sistema te va a ofrecer las soluciones financieras que mejor se adapten a tu situaci\u00f3n econ\u00f3mica.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El score o historial crediticio es, en pocas palabras, un registro de todas tus deudas contra\u00eddas y cancelaciones de estas. Incluye desde los pr\u00e9stamos que solicitaste hasta los pagos en cuotas con tu tarjeta de cr\u00e9dito, atrasos en el pago de servicios p\u00fablicos, hipotecas y dem\u00e1s. Cada vez que solicites un producto financiero, la entidad &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/alprestamo.com\/blog\/como-afecta-mi-score-crediticio-al-solicitar-un-prestamo\/\"> <span class=\"screen-reader-text\">\u00bfC\u00f3mo afecta mi score crediticio al solicitar un pr\u00e9stamo?<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":9,"featured_media":22543,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[211,30,94],"tags":[],"class_list":["post-22542","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cuenta-cliente-uy","category-prestamos-uy","category-uy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfC\u00f3mo afecta mi score crediticio al solicitar un pr\u00e9stamo?<\/title>\n<meta name=\"description\" content=\"El score o historial crediticio es, en pocas palabras, un registro de todas tus deudas contra\u00eddas y cancelaciones de estas. 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