{"id":416,"date":"2020-06-08T17:00:24","date_gmt":"2020-06-08T17:00:24","guid":{"rendered":"https:\/\/cashtime.com\/how-to-build-credit-without-going-into-debt\/"},"modified":"2025-09-04T16:40:37","modified_gmt":"2025-09-04T16:40:37","slug":"como-crear-credito-sin-endeudarse","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/how-to-build-credit-without-going-into-debt\/","title":{"rendered":"C\u00f3mo generar cr\u00e9dito sin endeudarse"},"content":{"rendered":"<p>En los tiempos que corren, a menudo nos encontramos atados a nuestras deudas.  Nuestra puntuaci\u00f3n crediticia, por ejemplo, dice muy poco sobre la clase de personas que somos, ya sea buena o mala.  Una puntuaci\u00f3n crediticia simplemente ilustra cu\u00e1ntas deudas hemos acumulado y lo bien que las hemos ido pagando.  En muchos casos, una puntuaci\u00f3n crediticia m\u00e1s alta s\u00f3lo muestra que se han tomado prestadas enormes cantidades de dinero y se han devuelto con enormes cantidades de intereses.  As\u00ed que si est\u00e1 intentando vivir sin deudas, su puntuaci\u00f3n crediticia puede resultar enga\u00f1osa para los dem\u00e1s.  Si no tiene tarjeta de cr\u00e9dito o quiere evitar las deudas, sigue necesitando una buena puntuaci\u00f3n crediticia para alquilar un apartamento, arrendar un coche o incluso comprar un tel\u00e9fono.<\/p>\n<h2>Consejos para mantener un cr\u00e9dito saneado<\/h2>\n<p>He aqu\u00ed algunas formas de mejorar su puntuaci\u00f3n crediticia sin endeudarse en exceso.<\/p>\n<ul>\n<li><strong>A\u00f1ada los pagos del alquiler a su expediente de cr\u00e9dito:<\/strong> En cualquiera de las tres agencias de cr\u00e9dito est\u00e1ndar, puede incluir su alquiler en la lista de deudores.  Estos aparecer\u00e1n como pagos regulares que se hacen bien en los gastos necesarios y aumentar\u00e1 su puntuaci\u00f3n de cr\u00e9dito.<\/li>\n<li><strong>Paga tus servicios:<\/strong> Pagar regularmente las facturas del gas, la luz y el agua es una buena forma de establecer un buen cr\u00e9dito.  Tienes que hacerlo de todos modos, \u00bfpor qu\u00e9 no beneficiarte de ello?<\/li>\n<li><strong>A\u00f1adirse como usuario autorizado<\/strong>: Puede utilizar el buen cr\u00e9dito de otra persona en su propio beneficio.  Al a\u00f1adirte como usuario autorizado en la tarjeta de cr\u00e9dito, la tarjeta de gasolina u otros servicios de otra persona, est\u00e1s ganando cr\u00e9dito con su buena reputaci\u00f3n.  Aunque nunca utilices la tarjeta.  Esto tambi\u00e9n funciona bien para emergencias, como tener una tarjeta de gasolina que puedas usar en caso de apuro.  Pero ten cuidado, los problemas econ\u00f3micos de ellos tambi\u00e9n pueden perjudicarte a ti.<\/li>\n<li><strong>Pida un pr\u00e9stamo de cr\u00e9dito:<\/strong> Pedir un pr\u00e9stamo que pueda pagar con seguridad sin muchos intereses, comisiones por pronto pago u otros inconvenientes tambi\u00e9n puede aumentar su cr\u00e9dito.  S\u00f3lo tienes que tener la determinaci\u00f3n y la concentraci\u00f3n para pagar el pr\u00e9stamo a tiempo, por lo que ganar el bulto de cr\u00e9dito que desea.<\/li>\n<li><strong>Realice todos sus pagos:<\/strong> Pague m\u00e1s si es posible, y pague siempre antes o al menos a tiempo.  Las agencias de cr\u00e9dito tienen en cuenta los pagos atrasados o no efectuados.  Adem\u00e1s, los pagos extra reducen r\u00e1pidamente tu ratio cr\u00e9dito disponible\/ingresos, lo que tambi\u00e9n mejora tu puntuaci\u00f3n crediticia.<\/li>\n<li><strong>Consigue una tarjeta de cr\u00e9dito:<\/strong> Una tarjeta de cr\u00e9dito puede ser una pendiente resbaladiza hacia m\u00e1s deudas, pero puedes jugar con el sistema.  Haz unos pocos gastos al mes y p\u00e1gala al final del ciclo de facturaci\u00f3n, as\u00ed no estar\u00e1s cobrando intereses.  Adem\u00e1s, es posible que obtengas puntos de recompensa, que podr\u00e1s conservar aunque no pagues intereses.  Tener una tarjeta sin cuota anual tambi\u00e9n te permitir\u00e1 acumular cr\u00e9dito, sobre todo si nunca la utilizas.<\/li>\n<li><strong>Controla tus progresos:\u00a0<\/strong> Controle su informe crediticio.  Esto tambi\u00e9n le permitir\u00e1 ver cualquier posible se\u00f1al de alarma que indique un robo de identidad, lo que nunca es bueno para su calificaci\u00f3n crediticia.<\/li>\n<\/ul>\n<h2>Construir la puntuaci\u00f3n crediticia lleva tiempo<\/h2>\n<p>T\u00fa no eres tu puntuaci\u00f3n de cr\u00e9dito, pero por desgracia, a veces tienes que jugar el juego para conseguir lo que necesitas en la vida.  Con pr\u00e1ctica y paciencia, puedes mejorarlo f\u00e1cilmente con estos consejos.  Un buen cr\u00e9dito deber\u00eda ser s\u00f3lo un reflejo de responsabilidad financiera, y si vives sin deudas, la parte dif\u00edcil ya est\u00e1 resuelta.<\/p>","protected":false},"excerpt":{"rendered":"<p>In today&#8217;s day and age, we often find ourselves bound to our debts.\u00a0 Our credit score, for instance, says very [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"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":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-416","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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