{"id":34,"date":"2009-10-06T11:07:23","date_gmt":"2009-10-06T17:07:23","guid":{"rendered":"https:\/\/a0109a0e50.nxcli.io\/\/a-late-bill-wont-kill-credit\/"},"modified":"2021-06-28T13:18:37","modified_gmt":"2021-06-28T19:18:37","slug":"una-factura-atrasada-no-acabara-con-el-credito","status":"publish","type":"post","link":"https:\/\/www.savvyladies.org\/es\/education\/a-late-bill-wont-kill-credit\/","title":{"rendered":"Una factura tard\u00eda no acabar\u00e1 con el cr\u00e9dito"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.savvyladies.org\/wp-content\/uploads\/2021\/03\/img_603fbdb30b357.jpg\" title=\"\" alt=\"104670\"\/><\/p>\n<p id=\"yui_3_17_2_1_1498917943487_258312\"> Incluso los prestatarios m\u00e1s responsables cometen errores a veces. Quiz\u00e1s una factura de servicios p\u00fablicos qued\u00f3 sin pagar despu\u00e9s de mudarse y el pago atrasado pas\u00f3 a cobranza. O tal vez tenga multas de la biblioteca o multas de estacionamiento pendientes en cobranza que se aferran a su historial crediticio y afectan su puntaje crediticio FICO, ampliamente utilizado por los prestamistas para evaluar su capacidad de pago. <\/p>\n<p id=\"yui_3_17_2_1_1498917943487_258315\">Sin embargo, con la versi\u00f3n m\u00e1s reciente del sistema de puntuaci\u00f3n crediticia FICO, las moras menores ahora se pasan por alto al calcular la solvencia crediticia.<\/p>\n<p id=\"yui_3_17_2_1_1498917943487_258318\">Bajo el modelo de puntuaci\u00f3n actualizado, llamado FICO 08, los peque\u00f1os pagos atrasados que persistan en cobranzas con montos originales de $100 o menos ya no da\u00f1ar\u00e1n su puntaje de cr\u00e9dito.<\/p>\n<p id=\"yui_3_17_2_1_1498917943487_258321\">Los consumidores tambi\u00e9n tienen menos probabilidades de ser penalizados por un solo impago si ocurri\u00f3 hace dos o m\u00e1s a\u00f1os y si su historial crediticio es impecable. Existe mayor flexibilidad para atrasarse en un pago. Si tiene un patr\u00f3n habitual de pagos atrasados, es m\u00e1s probable que lo penalicen por ello.<\/p>\n<p id=\"yui_3_17_2_1_1498917943487_258324\">Si el uso de cr\u00e9dito de un consumidor es alto, ser\u00e1 m\u00e1s probable que eso da\u00f1e su puntaje FICO 08. Pero acercarse a los l\u00edmites de su tarjeta de cr\u00e9dito, incluso si siempre paga a tiempo, se penaliza de alguna manera en todos los puntajes FICO, no solo en la edici\u00f3n reciente. <\/p>","protected":false},"excerpt":{"rendered":"<p>Even the most responsible borrowers slip up sometimes. Maybe a utility bill went unpaid after you moved and the missed payment went into collections. Or perhaps there are unpaid library [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"give_campaign_id":0,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"footnotes":"","_tec_slr_enabled":"","_tec_slr_layout":""},"categories":[1,76],"tags":[],"class_list":["post-34","post","type-post","status-publish","format-standard","hentry","category-blog","category-debt-management"],"acf":[],"ticketed":false,"_links":{"self":[{"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/posts\/34","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/comments?post=34"}],"version-history":[{"count":0,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/posts\/34\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/media?parent=34"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/categories?post=34"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/tags?post=34"}],"curies":[{"name":"gracias","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}