{"id":4265,"date":"2020-09-17T11:38:19","date_gmt":"2020-09-17T11:38:19","guid":{"rendered":"https:\/\/www.top5credits.com\/es\/?p=4265"},"modified":"2023-01-15T15:59:58","modified_gmt":"2023-01-15T15:59:58","slug":"historial-crediticio","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/es\/glosario\/historial-crediticio\/","title":{"rendered":"Historial Crediticio"},"content":{"rendered":"\n<p>El <strong>historial crediticio<\/strong> es un informe que muestra los antecedentes financieros de una persona. Esto incluye deudas, facturas pendientes, n\u00famero de pr\u00e9stamos solicitados, y si eres un buen pagador. De esta manera, las <strong>entidades financieras<\/strong> pueden evaluar el nivel de confianza y solvencia del solicitante de un pr\u00e9stamo.<\/p>\n\n\n\n<p>Para elaborar el historial crediticio se necesita conocer informaci\u00f3n sobre las distintas <strong>empresas de telefon\u00eda, luz, coches, aseguradoras, etc<\/strong>. Si el historial es positivo, las entidades tendr\u00e1n m\u00e1s confianza en el solicitante. No obstante, si el historial es negativo, existe una buena posibilidad de que no nos concedan el pr\u00e9stamo o que lo hagan con unas muy malas condiciones.<\/p>\n\n\n\n<p>No solamente las entidades financieras tienen<strong> acceso a nuestro historial crediticio<\/strong>. Nosotros mismos podemos acceder a \u00e9l siempre que lo necesitemos o queramos conocer nuestra situaci\u00f3n financiera.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo puedo solicitarlo?<\/h2>\n\n\n\n<p>A la hora de solicitar un pr\u00e9stamo es conveniente conocer la situaci\u00f3n en la que nos encontramos. Es por ello por lo que r<strong>ecomendamos solicitar un historial crediticio antes de lanzarnos a por un pr\u00e9stamo<\/strong>, especialmente aquellos de grandes cuant\u00edas como puede ser una <a href=\"https:\/\/www.top5credits.com\/es\/glosario\/hipoteca\/\"><strong>hipoteca<\/strong><\/a>.<\/p>\n\n\n\n<p>En Espa\u00f1a existen diferentes maneras de comprobar el historial crediticio. Una de ellas es entrando en la<a href=\"https:\/\/sedeelectronica.bde.es\/sede\/es\/\"> <strong>Oficina Virtual del Banco de Espa\u00f1a<\/strong><\/a>. Para ello es preciso contar con una firma digital o certificado electr\u00f3nico. Una vez solicitado, podemos disponer de \u00e9l a los 15 minutos o al siguiente d\u00eda h\u00e1bil y consultarlo en los siguientes 20 d\u00edas. Tambi\u00e9n es posible obtenerlo de manera presencial o por correo a la <strong>Central de Informaci\u00f3n de Riesgos del Banco de Espa\u00f1a.<\/strong><\/p>\n\n\n\n<p>Por otro lado, puedes obtener el historial crediticio de forma gratuita una vez al a\u00f1o a trav\u00e9s de <strong>Experian o <a href=\"https:\/\/www.top5credits.com\/es\/glosario\/equifax\/\">Equifax<\/a><\/strong>. Estas empresas se dedican a la elaboraci\u00f3n de informes de solvencia, por lo que registros como <strong><a href=\"https:\/\/www.top5credits.com\/es\/articulos\/caduca-la-membresia-en-asnef\/\">ASNEF <\/a><\/strong>(el mayor archivo de morosos de Espa\u00f1a) aportan datos a estas.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/09\/historial-crediticio-2-1-1024x683.jpg?cdn=1.1.1\" alt=\"examinar el historial crediticio\" class=\"wp-image-4268\" srcset=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/09\/historial-crediticio-2-1-1024x683.jpg?cdn=1.1.1 1024w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/09\/historial-crediticio-2-1-300x200.jpg?cdn=1.1.1 300w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/09\/historial-crediticio-2-1-768x512.jpg?cdn=1.1.1 768w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/09\/historial-crediticio-2-1.jpg?cdn=1.1.1 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Has de procurar tener un buen historial crediticio, no s\u00f3lo para que te concedan pr\u00e9stamos, si no para que estos tengan mejores condiciones.<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">Un buen historial crediticio es la clave<\/h2>\n\n\n\n<p>Si eres de los que pagan siempre a tiempo, no tendr\u00e1s nada de lo que preocuparte. Esto ser\u00e1 un punto a tu favor y facilitar\u00e1 la posibilidad de recibir la financiaci\u00f3n deseada. No obstante, <strong>podemos llevarnos alguna sorpresa desagradable <\/strong>y\/o inesperada a la hora de comprobar nuestro historial crediticio.<\/p>\n\n\n\n<p>En caso de tener alguna deuda pendiente de pago, deberemos ponernos en contacto con el acreedor de la deuda para poder llegar a un acuerdo y as\u00ed cancelarla. Una vez cancelada, podr\u00e1s ponerte en contacto con la administraci\u00f3n del fichero de <a href=\"https:\/\/www.top5credits.com\/es\/glosario\/moroso\/\"><strong>morosos<\/strong><\/a> en el que podemos constar para que nos saquen del mismo.<\/p>\n\n\n\n<p>Para evitar la imposibilidad de que nos concedan un <a href=\"https:\/\/www.top5credits.com\/es\/prestamos-personales\/\"><strong>pr\u00e9stamo<\/strong><\/a> en el futuro\u00a0 y, por tanto, poder tener un buen historial crediticio, es recomendable ser un buen pagador, tanto de las facturas (agua, luz, tarjetas de cr\u00e9dito, etc.) como de los pr\u00e9stamos personales y\/o hipotecas.<\/p>\n\n\n\n<p>No olvidemos que la mayor\u00eda de las entidades financieras<strong>\u00a0no conceden cr\u00e9ditos a clientes que consten en ficheros de morosos y que, por lo tanto, tengan un historial crediticio negativo<\/strong>. No obstante, cada vez son m\u00e1s las entidades que ofrecen\u00a0<a href=\"https:\/\/www.top5credits.com\/es\/prestamos-personales-con-asnef\/\">p<strong>r\u00e9stamos personales aunque constemos en el fichero ASNEF<\/strong><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El historial crediticio son los antedecentes crediticios de una persona o entidad jur\u00eddica.<\/p>\n","protected":false},"author":13,"featured_media":4266,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-glossary.php","format":"standard","meta":{"footnotes":""},"categories":[125],"tags":[],"class_list":["post-4265","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-glosario","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Historial Crediticio - Top5Credits.com Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"El Historial Crediticio es un &quot;credit score&quot; por el cual se eval\u00faa la capacidad de pago de un cr\u00e9dito de un cliente.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.top5credits.com\/es\/glosario\/historial-crediticio\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Historial Crediticio - 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