{"id":3603,"date":"2020-07-24T13:28:26","date_gmt":"2020-07-24T13:28:26","guid":{"rendered":"https:\/\/www.top5credits.com\/es\/?p=3603"},"modified":"2022-12-14T13:55:14","modified_gmt":"2022-12-14T13:55:14","slug":"que-es-el-historial-crediticio","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/es\/articulos\/que-es-el-historial-crediticio\/","title":{"rendered":"\u00bfQu\u00e9 es el Historial Crediticio?"},"content":{"rendered":"\n<p>Puede que no te suene la palabra Historial Crediticio, pero si has pedido o vas a pedir un <strong><a href=\"https:\/\/www.top5credits.com\/es\/articulos\/tipos-de-prestamos\/\">pr\u00e9stamo<\/a><\/strong>, es uno de los factores m\u00e1s importantes a la hora de que la financiera decida facilit\u00e1rtelo o no. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Explicaci\u00f3n del Historial de Cr\u00e9dito<\/h2>\n\n\n\n<p>El Historial Crediticio es un informe, preparado por diferentes entidades, en el que se detalla tu historial de pr\u00e9stamos pagados, impagados, as\u00ed como posibles deudas con entidades de consumo como el\u00e9ctricas o telef\u00f3nicas. En el historial constar\u00e1 si has tenido impagos o, por el contrario, has sido un buen pagador. Adem\u00e1s, el tipo de deuda diferir\u00e1, ya que no es lo mismo tener un impago por un <a href=\"https:\/\/www.top5credits.com\/es\/prestamos-personales\/prestamo-8000-euros\/\"><strong>pr\u00e9stamo de 8.000\u20ac<\/strong> <\/a>que por uno de<a href=\"https:\/\/www.top5credits.com\/es\/prestamos-personales\/prestamo-50000-euros\/\"> <strong>50.000\u20ac<\/strong><\/a><\/p>\n\n\n\n<p>Esto es bastante importante de cara a recibir o no un pr\u00e9stamo. Tener muchas deudas acumuladas har\u00e1 que las financieras sean reticentes a otorgar ning\u00fan tipo de <strong><a href=\"https:\/\/www.top5credits.com\/es\/tarjeta-de-credito-gratis\/\">cr\u00e9dito<\/a><\/strong> a un cliente con dicho historial crediticio. Si no han sido muchas las deudas acumuladas, pero tu pr\u00e9stamo es elevado, puede que la financiera decida no otorgar la cantidad total que solicitas, mientras que si eres buen pagador, esto te abrir\u00e1 todo tipo de puertas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e9 ayuda y qu\u00e9 perjudica a tu Historial Crediticio<\/h2>\n\n\n\n<p>A continuaci\u00f3n, te presentamos las caracter\u00edsticas que pueden beneficiarte, o perjudicarte, en tu historial crediticio:<\/p>\n\n\n\n<p>A favor:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No haber tenido ning\u00fan impago en tus cr\u00e9ditos.<\/li>\n\n\n\n<li>No haber tenido ning\u00fan impago en otros gastos domiciliados (tel\u00e9fono, luz&#8230;).<\/li>\n\n\n\n<li>Poseer una tarjeta de cr\u00e9dito.<\/li>\n\n\n\n<li>Tener ingresos altos.<\/li>\n\n\n\n<li>Tener un trabajo con mucha antig\u00fcedad.<\/li>\n\n\n\n<li>Tener tus cuentas en super\u00e1vit (gastas menos de lo que ingresas).<\/li>\n\n\n\n<li>No haber contratado muchos <a href=\"https:\/\/www.top5credits.com\/es\/microprestamos\/\"><strong>micropr\u00e9stamos<\/strong><\/a>.<\/li>\n<\/ul>\n\n\n\n<p>En contra:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Haber tenido impagos en tus cr\u00e9ditos.<\/li>\n\n\n\n<li>Haber tenido ning\u00fan impago en otros gastos domiciliados (tel\u00e9fono, luz\u2026).<\/li>\n\n\n\n<li>Estar en alguna lista de morosos como <a href=\"https:\/\/www.top5credits.com\/es\/articulos\/como-salir-de-asnef\/\"><strong>ASNEF<\/strong><\/a>.<\/li>\n\n\n\n<li>Tener tu cuenta al descubierto.<\/li>\n\n\n\n<li>Contratar muchos micropr\u00e9stamos.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/07\/tarjeta-de-cr\u00e9dito-1024x682.jpg?cdn=1.1.1\" alt=\"\" class=\"wp-image-3608\" srcset=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/07\/tarjeta-de-cr\u00e9dito-1024x682.jpg?cdn=1.1.1 1024w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/07\/tarjeta-de-cr\u00e9dito-300x200.jpg?cdn=1.1.1 300w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/07\/tarjeta-de-cr\u00e9dito-768x512.jpg?cdn=1.1.1 768w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/07\/tarjeta-de-cr\u00e9dito.jpg?cdn=1.1.1 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Siempre que tengas los pagos al d\u00eda, tanto tener pr\u00e9stamos o hipotecas como tarjetas de cr\u00e9dito, te dan m\u00e1s puntos positivos.<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u00bfQui\u00e9nes redactan los Historiales Crediticio?<\/h2>\n\n\n\n<p>El Historial Crediticio no es un informe global e universal, ya que son varias las entidades que lo redactan. No obstante, las m\u00e1s importantes son:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/www.top5credits.com\/es\/glosario\/equifax\/\">Equifax<\/a><\/strong> (Gestores de ASNEF).<\/li>\n\n\n\n<li><strong>TransUnion<\/strong>.<\/li>\n\n\n\n<li>Experian.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.top5credits.com\/es\/glosario\/banco-de-espana\/\">Banco de Espa\u00f1a<\/a><\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00f3mo conseguir tu Historial Crediticio<\/h2>\n\n\n\n<p>Depender\u00e1 de a qu\u00e9 entidad quieras pedir el Historial Crediticio, los pasos ser\u00e1n diferentes. SI hablamos de entidades privadas como Equifax, TransUnion o Experian, tendr\u00e1s que ped\u00edrselas a dichas entidades, ofreci\u00e9ndote 1 informe gratuito anualmente; los siguientes tendr\u00edas que abonarlos. Puedes pedirlo en la web del Banco de Espa\u00f1a si deseas solicitar el gubernamental, el cual ser\u00e1 libre de cargos. Otra alternativa es usar terceras aplicaciones, como <a href=\"https:\/\/www.top5credits.com\/es\/opiniones\/fintonic\/\"><strong>Fintonic<\/strong><\/a>, para realizar un c\u00e1lculo de tu Historial Crediticio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00f3mo mejorar tu Historial Crediticio<\/h2>\n\n\n\n<p>Para mejorar tu historial de cr\u00e9dito, lo mejor siempre ser\u00e1 que liquides toda deuda pendiente que tengas. Puedes <a href=\"https:\/\/www.top5credits.com\/es\/reunificacion-de-deudas\/\"><strong>reunificar tu deuda<\/strong><\/a> para que a ojos de las financieras todo ese c\u00famulo de impagos se limite a un s\u00f3lo pr\u00e9stamo. Una vez saneada tus cuentas, tendr\u00e1s que acostumbrarte a tener una buena educaci\u00f3n financiera. No llegues siempre en n\u00fameros rojos a fin de mes, evita microcr\u00e9ditos para sacarte de apuros y demuestra a las financieras que eres un buen pagador.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Puede que no te suene la palabra Historial Crediticio, pero si has pedido o vas a pedir un pr\u00e9stamo, es uno de los factores m\u00e1s<\/p>\n<p class=\"more-link\">Seguir leyendo <span class=\"screen-reader-text\">\u00bfQu\u00e9 es el Historial Crediticio?<\/span><\/p>\n","protected":false},"author":13,"featured_media":3607,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-artikkeli.php","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-3603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articulos","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 es el Historial Crediticio? - Top5Credits.com<\/title>\n<meta name=\"description\" content=\"\u00bfSabes qu\u00e9 es el historial crediticio? \u00bfEn qu\u00e9 afecta a la hora de pedir un pr\u00e9stamo, o c\u00f3mo mejorarlo? 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