{"id":5119,"date":"2024-12-23T12:14:33","date_gmt":"2024-12-23T18:14:33","guid":{"rendered":"https:\/\/www.abileneteachersfcu.org\/?p=5119"},"modified":"2026-07-02T14:26:07","modified_gmt":"2026-07-02T19:26:07","slug":"paso-9-construir-y-mantener-puntaje-credito","status":"publish","type":"post","link":"https:\/\/www.abileneteachersfcu.org\/es\/blog\/step-9-build-and-maintain-credit-score\/","title":{"rendered":"12 pasos para el bienestar financiero: paso 9: crear y mantener un puntaje crediticio excelente"},"content":{"rendered":"<p data-path-to-node=\"12,0\">Bienvenidos de nuevo a nuestra <b data-path-to-node=\"12,0\" data-index-in-node=\"20\">12 pasos para el bienestar financiero<\/b> \u00a1Serie! Si has estado practicando nuestros m\u00f3dulos anteriores, ya est\u00e1s cosechando los enormes beneficios conductuales de hacer un seguimiento de tu flujo de efectivo, presupuestar y gastar con verdadera intenci\u00f3n. Si reci\u00e9n ahora te est\u00e1s conectando a nuestra hoja de ruta, aseg\u00farate de marcar esta p\u00e1gina como favorita y comienza justo en <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-1-como-realizar-un-seguimiento-de-sus-gastos\/\"><b data-path-to-node=\"12,0\" data-index-in-node=\"329\">Paso 1: C\u00f3mo realizar un seguimiento de sus gastos<\/b><\/a>\u00a0para obtener todos los beneficios del programa.<\/p>\n<p data-path-to-node=\"12,1\">En este noveno m\u00f3dulo, profundizaremos en un pilar financiero que puede determinar el \u00e9xito o el fracaso de tu futuro: <b data-path-to-node=\"12,1\" data-index-in-node=\"107\">Comprender, construir y mantener un excelente historial crediticio.<\/b><\/p>\n<p data-path-to-node=\"12,2\">Tu puntaje crediticio es un indicador vital para tu salud financiera. Esos tres d\u00edgitos miden tu capacidad de endeudamiento, tu habilidad para administrar tu dinero y tu responsabilidad financiera en general. Un excelente puntaje te permite acceder a bajas tasas de inter\u00e9s en pr\u00e9stamos importantes, ahorrarte miles de d\u00f3lares en comisiones y, adem\u00e1s, puede influir positivamente en tu carrera profesional.<\/p>\n<p data-path-to-node=\"12,3\">Por ejemplo, la verificaci\u00f3n de cr\u00e9dito es parte oficial de nuestro proceso est\u00e1ndar de revisi\u00f3n de solicitudes de empleo aqu\u00ed en Abilene Teachers FCU. Las instituciones financieras deben asegurarse de que las personas que manejan los activos de los miembros practiquen una s\u00f3lida responsabilidad financiera personal.<\/p>\n<p data-path-to-node=\"12,4\">\u00bfLa buena noticia? Sin importar cu\u00e1l sea tu historial crediticio actual, siempre puedes tomar medidas proactivas para mejorarlo. Aqu\u00ed te explicamos c\u00f3mo obtener y mantener una excelente puntuaci\u00f3n crediticia:<\/p>\n<h2 data-path-to-node=\"12,6\">Los pilares de una excelente calificaci\u00f3n crediticia<\/h2>\n<h3 data-path-to-node=\"12,7\">1. Establecer y mantener cuentas de cr\u00e9dito activas.<\/h3>\n<p data-path-to-node=\"12,8\">Un mito financiero muy com\u00fan es que la forma m\u00e1s segura de obtener un buen historial crediticio es renunciar por completo a las l\u00edneas de cr\u00e9dito. Sin embargo, las agencias de cr\u00e9dito no pueden evaluar un historial crediticio sin historial. Para demostrar que usted maneja el capital de manera responsable, necesita establecer un historial de gesti\u00f3n de l\u00edneas de cr\u00e9dito a lo largo del tiempo.<\/p>\n<ul>\n<li data-path-to-node=\"12,9,0,0\"><b data-path-to-node=\"12,9,0,0\" data-index-in-node=\"0\">El truco de la microfactura:<\/b> Si reci\u00e9n comienzas, solicita una tarjeta f\u00e1cil de usar con requisitos sencillos. Para mantener tus tarjetas activas sin acumular saldos con intereses, vincula una factura mensual fija (como una suscripci\u00f3n a un servicio de streaming o una membres\u00eda de gimnasio) a la tarjeta. Luego, accede a tu cuenta bancaria y configura un pago autom\u00e1tico mensual para liquidar el saldo total de la tarjeta de cr\u00e9dito. <i data-path-to-node=\"12,9,0,0\" data-index-in-node=\"437\">antes de<\/i> la fecha de cierre oficial. Tu tarjeta permanece activa, tu historial se acumula y nunca pagas ni un centavo de inter\u00e9s.<\/li>\n<\/ul>\n<h3 data-path-to-node=\"12,10\">2. Identificar y reducir sistem\u00e1ticamente la deuda.<\/h3>\n<p data-path-to-node=\"12,11\">Si actualmente tiene saldos elevados en tarjetas de cr\u00e9dito o de tiendas minoristas, reducir esas cifras le dar\u00e1 un impulso inmediato a su puntaje crediticio.<\/p>\n<ul>\n<li data-path-to-node=\"12,12,0,0\">Elija una estrategia de reembolso dirigida que se ajuste a su personalidad, como por ejemplo la impulsada por el impulso. <i data-path-to-node=\"12,12,0,0\" data-index-in-node=\"92\">M\u00e9todo de bola de nieve<\/i> o el impulsado por las matem\u00e1ticas <i data-path-to-node=\"12,12,0,0\" data-index-in-node=\"127\">M\u00e9todo de avalancha<\/i>.<\/li>\n<li data-path-to-node=\"12,12,0,0\">Revisa tus columnas de seguimiento mensual, reduce los gastos superfluos o busca un trabajo secundario para maximizar tus recursos mensuales. Para obtener una gu\u00eda completa paso a paso sobre c\u00f3mo implementar estas estrategias de forma segura, consulta nuestra gu\u00eda principal: <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-3-pagar-la-deuda\/\"><b data-path-to-node=\"12,12,1,0\" data-index-in-node=\"245\">Paso 3: Reduzca su deuda<\/b><\/a>.<\/li>\n<\/ul>\n<h3 data-path-to-node=\"12,13\">3. Comprom\u00e9tase con los pagos puntuales del programa 100%.<\/h3>\n<p data-path-to-node=\"12,14\">Tu historial de pagos es el factor m\u00e1s importante en la ecuaci\u00f3n de tu puntaje crediticio. No pagar una fecha de vencimiento o dejar que una cuenta de compras pase a cobro judicial les indica a los prestamistas que no se puede confiar en que pagues un pr\u00e9stamo. Protege tu historial configurando alertas autom\u00e1ticas y recordatorios en tu calendario, y aseg\u00farate de que tu cuenta corriente principal de ATFCU tenga fondos suficientes para cubrir tus transferencias.<\/p>\n<h3 data-path-to-node=\"12,15\">4. Reduce tu \u00edndice de utilizaci\u00f3n de cr\u00e9dito.<\/h3>\n<p data-path-to-node=\"12,16\">Tu \u00edndice de utilizaci\u00f3n mide cu\u00e1nto cr\u00e9dito rotatorio est\u00e1s usando activamente en comparaci\u00f3n con tus l\u00edmites m\u00e1ximos totales. Los expertos financieros recomiendan mantener tu \u00edndice de utilizaci\u00f3n general por debajo del 301% de tus l\u00edmites m\u00e1ximos, y mantenerlo por debajo del 101% de tus l\u00edmites m\u00e1ximos es el objetivo ideal para obtener una puntuaci\u00f3n crediticia excelente.<\/p>\n<ul>\n<li data-path-to-node=\"12,17,0,0\"><i data-path-to-node=\"12,17,0,0\" data-index-in-node=\"0\">Consejo del consejero:<\/i> Si un proveedor de tarjetas de cr\u00e9dito te ofrece aumentar tu l\u00edmite m\u00e1ximo, generalmente es inteligente aceptarlo, siempre y cuando tengas disciplina. <i data-path-to-node=\"12,17,0,0\" data-index-in-node=\"151\">nunca<\/i> Aumentar tu gasto diario solo porque hay espacio adicional disponible. \u00a1Un l\u00edmite m\u00e1s alto con un gasto igualmente bajo reduce instant\u00e1neamente tu \u00edndice de utilizaci\u00f3n!<\/li>\n<\/ul>\n<h3 data-path-to-node=\"12,19\">Mejora tu puntuaci\u00f3n gratis con ATFCU.<\/h3>\n<p data-path-to-node=\"12,20\">Construir un excelente historial crediticio requiere tiempo, estrategia y constancia. Para simplificar al m\u00e1ximo el proceso, le ofrecemos una herramienta de seguimiento premium integrada directamente en su panel de banca digital.<\/p>\n<p data-path-to-node=\"12,21\">Iniciar sesi\u00f3n en el <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/consejos-sobre-herramientas\/banca-digital\/\">Aplicaci\u00f3n m\u00f3vil o portal de escritorio de ATFCU<\/a> y lanzamiento <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/consejos-sobre-herramientas\/puntuacion-de-credito-mas\/\"><b data-path-to-node=\"12,21\" data-index-in-node=\"59\">Puntaje de cr\u00e9dito y m\u00e1s<\/b><\/a>. Esta herramienta gratuita te permite consultar tu puntuaci\u00f3n diariamente sin penalizaci\u00f3n, te avisa de los cambios, te ayuda a establecer objetivos personalizados y te gu\u00eda activamente sobre los comportamientos necesarios para alcanzar un nivel excelente. \u00a1Pru\u00e9bala hoy mismo!<\/p>\n<p data-path-to-node=\"12,21\"><b data-path-to-node=\"20\" data-index-in-node=\"3\">Siguiente paso en tu viaje:<\/b> \u00bfListo para mantener el impulso? Avanza ahora al siguiente hito de nuestra serie: <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-10-plan-de-jubilacion\/\"><b data-path-to-node=\"20\" data-index-in-node=\"119\">Paso 10: Planifica tu jubilaci\u00f3n<\/b><\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Your credit score can make or break your long-term financial security. Discover Step 9 of our Financial Wellness series, and learn how to use automated micro-payments, manage your credit utilization ratio, and unlock ATFCU&#8217;s free &#8220;Credit Score &#038; More&#8221; coaching dashboard. <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/step-9-build-and-maintain-credit-score\/\" aria-label=\"Contin\u00fae leyendo sobre 12 pasos para el bienestar financiero: Paso 9: Construya y mantenga un puntaje crediticio excelente\">sigue leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":11,"featured_media":5123,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[50,43],"tags":[],"class_list":["post-5119","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advice","category-budgeting"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Step 9 to Financial Wellness: Build &amp; Maintain Excellent Credit<\/title>\n<meta name=\"description\" content=\"Learn how to build and maintain an excellent credit score. 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