{"id":24903,"date":"2023-07-18T11:38:25","date_gmt":"2023-07-18T14:38:25","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/?p=24903"},"modified":"2024-01-11T16:43:04","modified_gmt":"2024-01-11T19:43:04","slug":"como-recomponer-el-historial-crediticio","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/como-recomponer-el-historial-crediticio\/","title":{"rendered":"C\u00f3mo recomponer el historial crediticio"},"content":{"rendered":"\n<p>Una vez que se ha salido de la complicada situaci\u00f3n de estar en el <strong>Clearing<\/strong>, el desaf\u00edo es volver a tener un <strong>historial crediticio confiable para poder acceder al mejor cr\u00e9dito posible,<\/strong> en caso de que lo necesitemos.&nbsp;<\/p>\n\n\n\n<p>Si una persona tuvo un antecedente negativo (por m\u00e1s que est\u00e9 cancelado) el <a href=\"https:\/\/alprestamo.com\/blog\/uy\/deudas-uy\/comienzo-de-ano-una-buena-oportunidad-para-limpiar-mi-historial-en-el-clearing\/\" target=\"_blank\" rel=\"noreferrer noopener\">Clearing <\/a>continuar\u00e1 incluyendo esa situaci\u00f3n durante el periodo legalmente establecido. Es por eso que para recomponer el historial crediticio es necesario mantener todos los pagos al d\u00eda, ya que los retrasos en las facturas y tarjetas de cr\u00e9dito afectan negativamente.&nbsp;<\/p>\n\n\n\n<p>Desde el <strong>banco Santander <\/strong>indicaron que se deben evaluar las causas que llevaron a que la persona no pueda hacer frente al cr\u00e9dito original. Por ello es importante que para comenzar con la recomposici\u00f3n del historial crediticio,<strong> <\/strong>se inicie con<strong> montos y cuotas con las cuales uno se sienta c\u00f3modo <\/strong>y seguro de que puede pagarlas.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pasos para recomponer el historial crediticio<\/h2>\n\n\n\n<p>Una vez pagada la o las deudas pendientes, la empresa acreedora debe informar de forma autom\u00e1tica a Clearing que la deuda fue pagada. A partir de ese momento se podr\u00e1 justificar esa cancelaci\u00f3n ante cualquier entidad financiera donde se quiera pedir un cr\u00e9dito.&nbsp;<\/p>\n\n\n\n<p>A su vez, la informaci\u00f3n y el asesoramiento previo a la contrataci\u00f3n del cr\u00e9dito tiene un papel fundamental en el proceso de recomposici\u00f3n del historial crediticio.<strong> <\/strong>Las instituciones tienen la<strong> responsabilidad de informar de forma clara los montos, tasas, plazos de pagos y recargos por mora.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Tambi\u00e9n es importante que luego de recomponer el historial crediticio hay que informarse respecto al producto financiero solicitado. La tarjeta de cr\u00e9dito, por ejemplo, es un gran instrumento en la medida que sea bien utilizada, ya que permite una <strong>financiaci\u00f3n pr\u00e1cticamente sin costo adicional<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Si quieres conocer tu puntaje crediticio y acceder productos financieros personalizados para empezar a recomponer tu historial de cr\u00e9dito, desde Alprestamo podemos darte una soluci\u00f3n 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 a nuestra plataforma<\/a>. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Una vez que se ha salido de la complicada situaci\u00f3n de estar en el Clearing, el desaf\u00edo es volver a tener un historial crediticio confiable para poder acceder al mejor cr\u00e9dito posible, en caso de que lo necesitemos.&nbsp; Si una persona tuvo un antecedente negativo (por m\u00e1s que est\u00e9 cancelado) el Clearing continuar\u00e1 incluyendo esa &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/alprestamo.com\/blog\/como-recomponer-el-historial-crediticio\/\"> <span class=\"screen-reader-text\">C\u00f3mo recomponer el historial crediticio<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":9,"featured_media":36074,"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":[21,94],"tags":[],"class_list":["post-24903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-consejos-financieros-uy","category-uy"],"acf":[],"yoast_head":"<!-- This site is optimized with 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Querejeta","author_link":"https:\/\/alprestamo.com\/blog\/author\/ramiro\/"},"uagb_comment_info":0,"uagb_excerpt":"Una vez que se ha salido de la complicada situaci\u00f3n de estar en el Clearing, el desaf\u00edo es volver a tener un historial crediticio confiable para poder acceder al mejor cr\u00e9dito posible, en caso de que lo necesitemos.&nbsp; Si una persona tuvo un antecedente negativo (por m\u00e1s que est\u00e9 cancelado) el Clearing continuar\u00e1 incluyendo 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