Impacto de las tarjetas de crédito cerradas en su puntaje crediticio

from The Credit Pros Podcast · host The Credit Pros

Cerrar cuentas de tarjeta de crédito puede afectar negativamente el puntaje crediticio, no por eliminarse del historial sino por aumentar el índice de utilización de crédito. Las cuentas cerradas siguen en el reporte crediticio y envejeciendo, afectando la antigüedad promedio. Pero el daño mayor viene al perder límite de crédito disponible, lo que aumenta el porcentaje de crédito utilizado respecto al total disponible, perjudicando el puntaje.

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