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Cuales son las características de una persona con una puntuación de 800 o más alta?

Una calificación FICO® de 800 o más puntos significa un excelente puntaje y admisión al club exclusivo de 800 puntos. Esta no es una puntuación promedio, si no una obtenida por una minoría de personas en los Estados Unidos. Estas personas generalmente no tienen problemas para obtener crédito con una buena tasa de interés. La razón es que basado en el historial crediticio, estas tienen bajas posibilidades de no pagar sus deudas.

Quienes son estas personas que han obtenido un puntaje FICO® de 800 o más. Cuales son las características que contribuyen a esta excelente calificación. Aunque no es necesario tener este alto puntaje para obtener crédito, es importante entender algunas de las cosas que podemos hacer para llegar a adquirirlo. Un mejor crédito nos da más control sobre nuestro dinero y contribuye a la apreciación de nuestras finanzas.

Conoce los factores que contribuyen a la calificación crediticia (estimados)

1. Historial de pagos. Pagos a tiempo y pagos atrasados. Este factor se estima que contribuye a tu puntuación en un 35%. Lo mejor es no atrasarte en tus pagos, aunque solo hagas el pago mínimo.

2. El monto de tus deudas. El monto de tus deudas comparado con el total de tu crédito autorizado. En general este factor se estima es un 30% de tu calificación. No es bueno tener demasiada deudas para no parecer persona con riesgos de no pagar.

3. Cuanto tiempo lleva con un historial crediticio. El tiempo que llevan cada una de tus cuentas de crédito contribuye a un 15% de tu puntuación. Muchas veces no es bueno cancelar cuentas de tarjetas antiguas porque estas contribuyen a tu historial.

4. La variedad o mezcla de diferentes créditos. Los tipos de crédito, como tarjetas, préstamos a corto plazo o largo plazo, hipotecas etc. contribuyen un 10% a tu calificación.

5. Solicitud de nuevo crédito. La frecuencia con la cual solicitas nuevo crédito (aprobado o no) contribuye un 10% a tu puntuación. Aquí están incluidos los “inquiries” o consultas a tu historial.

Como manejan las personas con calificación de 800 puntos estos factores

Existe una relación directa entre el buen manejo de los factores de crédito y una puntuación alta. Las personas que obtienen un 800 o más en su calificación crediticia lo hacen de la siguiente manera.

1. Pagan cada una de sus cuentas a tiempo. El historial de pago es el factor que más peso tiene en tu calificación. Así que hacer tus pagos a tiempo, aunque este sea el mínimo, es muy importante. Trata de no atrasarte en tus pagos para que tu puntuación comience a subir.

2. No utilizan todo el crédito aprobado. El porcentaje del crédito utilizado contra el aprobado es el otro factor de mucho peso en tu calificación. Mientras menos de tu crédito aprobado uses, mejor influye en tu puntuación. Generalmente, se recomienda no utilizar más del 25-30% del crédito aprobado para mantener una buena calificación. Sin embargo, las personas con puntuaciones sobre los 800, tienden a tener una utilización bajo el 10%.

3. Tienen un historial de crédito largo. Generalmente, las personas con puntuación alta tienen un historial crediticio por largo tiempo. Es como que tu puntuación se convierte en una inversión a largo plazo. Es por esto que no es bueno cancelar las cuentas de tarjetas viejas, estas contienen un historial que desaparece al cancelarlas.

4. Tienen una variedad de tipos de cuentas. Estas personas también tienen una variedad de crédito, como préstamos de autos, tarjetas, hipotecas etc.

5. Hacen nueva solicitudes de préstamos y tarjetas de crédito con mucho cuidado. Las personas con altas calificaciones no solicitan crédito con mucha frecuencias. También son muy selectivas al autorizar consultas a su historial con propósito de préstamos.

Las personas con puntuación FICO® de 800 o más manejan los 5 factores crediticio con mucho cuidado. Estas conocen las acciones que mejoran y las que dañan su historial de crédito y toman decisiones pensando en las consecuencias a largo tiempo. Entres las ventajas de tener esta calificación incluyen; mejores intereses, facilidades de aprobación de préstamos y mejores términos de pagos. Esto significa grandes ahorros con tu dinero al usar crédito.

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