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Mejora tu historial de crédito

Mejora tu historial crédito, aun después de un tropiezo

Tras declararse en bancarrota, una persona podría pensar que es imposible recuperar su historial crediticio, sin embargo, esto no tiene que convertirse en una realidad para todos los casos, pues, existen algunas maneras de reconstruir este historial.

A continuación, te hablaremos un poco sobre cómo alcanzar un estatus de estabilidad en tus finanzas que te funcionará tanto después de la bancarrota, como en situaciones en las que sencillamente quieras tener un mejor historial crediticio, así que no dejes de leer este artículo.

Abre cuentas bancarias

Indiferentemente de si optas por cuentas monetarias o cuentas de ahorro, es importante que abras alguna cuenta bancaria que pueda reflejar tus ingresos, de modo tal que sirva como prueba de tu relación de gastos a la hora de optar por algún crédito.

Para ello es necesario revisar y comparar las tasas de interés de las entidades bancarias, preferiblemente aquellas sedes cercanas a tu hogar u oficina, en busca de la que te aporte mejores beneficios. Además de esto, es fundamental considerar los servicios que realmente necesitas y cuál banco se adapta a tu lista, de este modo no te verás abrumado por ventajas a las que no le sacarás provecho que, además, podrían inferir en una reducción de intereses.

Cambia tu tarjeta de crédito tradicional por una con garantía

Las tarjetas de crédito con garantía, fungen a su vez como una especie de tarjeta de débito, esto se debe a que para hacer uso de ellas, es necesario recargarle cierto monto que respalde los gastos a los que pudieras incurrir. Esta acción no solo te permitirá controlar tus gastos, sino que, además, será una buena referencia para los bancos y las oficinas de crédito que analizarán tu historial crediticio. Sin embargo, si te encuentras saliendo de la bancarrota, debes saber que algunas entidades financieras esperan al menos un año para hacer entrega de este tipo de tarjetas de crédito a sus clientes, por lo que, si este es tu caso, esta opción te servirá a mediano plazo.

Opta por tarjetas de crédito de tipo comerciales o para la gasolinera

Tras conseguir una tarjeta de crédito con garantía, lo óptimo sería conseguir también una tarjeta de crédito comercial o una tarjeta de crédito de una gasolinera; esto te beneficiará en tanto realices consumos frecuentes en este tipo de entidades, debido a que tu relación de gastos puede ser enviada a las oficinas de crédito, quienes observarán que eres responsable con tus gastos.

De igual modo, es inherente señalar que debes ser responsable con tu facturación, por lo que te recomendamos altamente que no caigas en cuotas iniciales exorbitantes. De igual modo, este tipo de tarjetas (especialmente las de gasolineras) evitarán que incurras en locuras como comprar media tienda, debido a que se destinan a gastos realmente puntuales.

No te atrases con tus pagos mensuales

Aunque no es necesario recalcarlo, es importante dejar claro que la mejor manera de recuperar o mejorar tu récord crediticio es pagando tus préstamos personales o cualquier otro gasto a tiempo; y no solo se trata de las cuotas de pago de las tarjeta de crédito, sino que también hace referencia a los recibos de cualquier índole.

Esperamos que con estos consejos puedas comenzar a mejorar tu historial crediticio y, así, recuperar la confianza de las entidades bancarias, o mejorar tu situación ante ellas.

Kristina Gutiérrez Romero

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