Nuevo crédito y puntajes crediticios: perspectivas de la quinta parte

from The Credit Pros Podcast · host The Credit Pros

Solicitar nuevo crédito puede afectar su puntaje FICO, el cual incluye 'nueva categoría de crédito' dentro de sus factores. Las consultas de crédito, al solicitar financiamiento, pueden ser 'duras' o 'blandas', afectando de manera diferente su puntaje. Las duras pueden dañar su puntaje, pero solo se consideran durante 12 meses. Factores como la cantidad y el tiempo de las nuevas cuentas y consultas son importantes. No hay que temer al crédito nuevo, pero evitar solicitudes frecuentes o innecesarias es recomendable.

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This episode was published on July 25, 2025.

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