Mito crediticio: cada extracción de crédito duele

from The Credit Pros Podcast · host The Credit Pros

Las consultas duras durante la solicitud de crédito pueden bajar tu puntuación FICO, pero no tienen un gran peso. Existen consultas duras y blandas, siendo las primeras las que pueden impactar tu puntuación cuando un prestamista revisa tu crédito. Sin embargo, la Regla de los 45 días permite agrupar consultas duras como una sola si se realizan al comprar una casa o un coche en dicho período. Las consultas solo representan el 10% de la puntuación FICO, mientras que el historial de pagos y deudas son el 65%.

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This episode was published on July 25, 2025.

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