{"id":6385,"date":"2013-12-17T10:05:40","date_gmt":"2013-12-17T16:05:40","guid":{"rendered":"http:\/\/www.figueroafinancial.com\/?p=6385"},"modified":"2014-06-17T06:22:30","modified_gmt":"2014-06-17T11:22:30","slug":"revisa-tu-informe-de-credito-2","status":"publish","type":"post","link":"https:\/\/www.figueroafinancial.com\/es\/2013\/12\/17\/revisa-tu-informe-de-credito-2\/","title":{"rendered":"Revisa Tu Informe de Cr\u00e9dito"},"content":{"rendered":"<!--powerpress_player--><div class=\"powerpress_player\" id=\"powerpress_player_5716\"><audio class=\"wp-audio-shortcode\" id=\"audio-6385-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2013\/12\/Podcast-Dec-18-2013.mp3?_=1\" \/><a href=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2013\/12\/Podcast-Dec-18-2013.mp3\">http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2013\/12\/Podcast-Dec-18-2013.mp3<\/a><\/audio><\/div><p class=\"powerpress_links powerpress_links_mp3\" style=\"margin-bottom: 1px !important;\">Podcast: <a href=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2013\/12\/Podcast-Dec-18-2013.mp3\" class=\"powerpress_link_pinw\" target=\"_blank\" title=\"Reproducir en una nueva ventana\" onclick=\"return powerpress_pinw('https:\/\/www.figueroafinancial.com\/es\/\/?powerpress_pinw=6385-podcast');\" rel=\"nofollow\">Reproducir en una nueva ventana<\/a> | <a href=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2013\/12\/Podcast-Dec-18-2013.mp3\" class=\"powerpress_link_d\" title=\"Descargar\" rel=\"nofollow\" download=\"Podcast-Dec-18-2013.mp3\">Descargar<\/a><\/p><p class=\"powerpress_links powerpress_subscribe_links\">Suscr\u00edbete: <a href=\"https:\/\/subscribebyemail.com\/www.figueroafinancial.com\/es\/feed\/podcast\/\" class=\"powerpress_link_subscribe powerpress_link_subscribe_email\" target=\"_blank\" title=\"Suscr\u00edbete por correo electr\u00f3nico\" rel=\"nofollow\">Correo electr\u00f3nico<\/a> | <a href=\"https:\/\/www.figueroafinancial.com\/es\/feed\/podcast\/\" class=\"powerpress_link_subscribe powerpress_link_subscribe_rss\" target=\"_blank\" title=\"Suscr\u00edbete v\u00eda RSS\" rel=\"nofollow\">RSS<\/a><\/p><p><a href=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2013\/12\/Podcast-RevisaTuInformeDeCredito.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft  wp-image-6387\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2013\/12\/Podcast-RevisaTuInformeDeCredito.jpg\" alt=\"Podcast RevisaTuInformeDeCredito\" width=\"176\" height=\"144\" \/><\/a>\u00a1Bienvenidos nuevamente al Podcast \u201c<span style=\"color: #008000;\"><b><i>Ayuda y Esperanza para Tus Finanzas<\/i><\/b><\/span>\u201d!<\/p>\n<p>Hoy vamos a continuar en nuestra mini-serie de t\u00f3picos para ayudarte a prepararte para empezar el 2014 con el pie derecho con tus finanzas.<\/p>\n<p>La semana pasada cubrimos el asunto de la <a title=\"Por Que Necesito Un Testamento\" href=\"http:\/\/www.figueroafinancial.com\/es\/2013\/12\/10\/por-que-necesito-un-testamento\/\"><i>preparaci\u00f3n de un<\/i> <i>testamento<\/i><\/a>.<\/p>\n<p>Hoy quiero hablar de c\u00f3mo proteger tu reputaci\u00f3n financiera. Me refiero a la importancia de <span style=\"color: #008000;\"><b><i>revisar tu informe de cr\u00e9dito<\/i><\/b><\/span> con regularidad.<\/p>\n<p><a title=\"Suscr\u00edbete al Podcast aqu\u00ed.\" href=\"itms:\/\/itunes.apple.com\/us\/podcast\/ayuda-y-esperanza-para-tus\/id717724952?mt=2\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-6136\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2013\/11\/Podcast-CTA-SM.jpg\" alt=\"Suscribete al Podcast\" width=\"200\" height=\"39\" \/><\/a><\/p>\n<h2><em>Resumen del Episodio<\/em><\/h2>\n<p>De acuerdo con la\u00a0<a title=\"Federal Trade Commission (FTC)\" href=\"http:\/\/ftc.gov\/\">Comisi\u00f3n Federal de Comercio<\/a>\u00a0de los Estados Unidos (FTC por sus siglas en ingl\u00e9s),<\/p>\n<p align=\"center\"><span style=\"color: #008000;\"><em>\u201cUn informe de<\/em><i>\u00a0<\/i><em>cr\u00e9dito contiene informaci\u00f3n sobre d\u00f3nde vives, c\u00f3mo pagas tus facturas y si has sido demandado, arrestado o declarado en bancarrota.<\/em><\/span><\/p>\n<p align=\"center\"><span style=\"color: #008000;\"><em>Las compa\u00f1\u00edas de informes de los consumidores nacionales venden la informaci\u00f3n en tu informe a los acreedores, aseguradores, empleadores y otros negocios que lo utilizan para evaluar tus solicitudes de cr\u00e9dito, seguro, empleo o alquiler de una casa<\/em>.\u201d<\/span><\/p>\n<p style=\"text-align: left;\" align=\"center\">El\u00a0<span style=\"color: #008000;\"><strong><i>Acta de Informes de Cr\u00e9dito Equitativo<\/i><\/strong><\/span>\u00a0(\u201cFair Credit Reporting Act (FCRA)\u201d en ingl\u00e9s) requiere que cada una de las compa\u00f1\u00edas de informes de los consumidores del pa\u00eds \u2013<span style=\"color: #008000;\"><strong><i>Equifax<\/i><\/strong><em>,<\/em><i>\u00a0<\/i><strong><i>Experian<\/i><\/strong><i>\u00a0<\/i><em>y<\/em><i>\u00a0<\/i><strong><i>TransUnion<\/i><\/strong><\/span>\u00a0\u2013 te provean una copia gratuita de tu informe de cr\u00e9dito, a tu pedido anualmente.<\/p>\n<p style=\"text-align: left;\" align=\"center\">Sigue estos pasos para revistar tu informe de cr\u00e9dito:<\/p>\n<ol>\n<li>T\u00f3mate el <span style=\"color: #008000;\"><em><strong>tiempo\u00a0<\/strong><\/em><\/span>para solicitar una copia de tu informe de cr\u00e9dito.\n<ul>\n<li>Puedes solicitar tu informe de cr\u00e9dito anual gratuito a trav\u00e9s del Internet en\u00a0<a title=\"Annual Credit Report.com\" href=\"http:\/\/www.annualcreditreport.com\/\">annualcreditreport.com<\/a>,<\/li>\n<li>Puedes pedir el informe por tel\u00e9fono, llamando al 1-877-322-8228.<\/li>\n<li>Tambi\u00e9n puedes completar el formulario\u00a0<a title=\"Annual Credit Report Request Form\" href=\"http:\/\/www.consumer.ftc.gov\/articles\/pdf-0043-free-credit-reports.pdf\">Annual Credit Report Request<\/a>\u00a0y enviarlo por correo a:\n<ul>\n<li>Annual Credit Report Request Service<\/li>\n<li>PO Box 105281<\/li>\n<li>Atlanta, GA 30348-5281.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li><span style=\"line-height: 1.5em;\">Obt\u00e9n un informe de<span style=\"color: #008000;\">\u00a0<\/span><\/span><span style=\"color: #008000;\"><b style=\"line-height: 1.5em;\"><i>cada una<\/i><\/b><\/span><i style=\"line-height: 1.5em;\">\u00a0<\/i><span style=\"line-height: 1.5em;\">de las agencias.<\/span><\/li>\n<li>Revisa tu informe y busca las\u00a0<span style=\"color: #008000;\"><b><i>entradas incorrectas<\/i><\/b><\/span><i>.<\/i><\/li>\n<li>Si encuentras entradas incorrectas, comun\u00edcate con la agencia de informes de cr\u00e9dito adecuado.\n<ul>\n<li>Env\u00eda una\u00a0<span style=\"color: #008000;\"><b><i>carta por correo certificado con acuse de recibo, detallando los errores<\/i><\/b><\/span>.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>Un elemento clave en tu batalla para ganar con el dinero es el <span style=\"color: #008000;\"><b><i>poner atenci\u00f3n<\/i><\/b><\/span> a todos los elementos de tu situaci\u00f3n financiera.<\/p>\n<p>Si bien no promuevo por el uso de cr\u00e9dito para mejorar tu puntuaci\u00f3n FICO, yo quiero asegurarme de que tomes las medidas necesarias para mantener una reputaci\u00f3n financiera limpia.<\/p>\n<p align=\"center\"><span style=\"color: #008000;\"><b><i>\u00a1T\u00f3mate tu tiempo y hazlo hoy!<\/i><\/b><\/span><\/p>\n<h2><em>Recursos Mencionados en el Episodio<\/em><\/h2>\n<ul>\n<li><a href=\"http:\/\/ftc.gov\/\">Sitio de Internet de la Comisi\u00f3n Federal de Comercio de los E.U. (FTC)<\/a><\/li>\n<li>Solicita tu informe de cr\u00e9dito anual gratuito a trav\u00e9s del Internet: <a title=\"Annual Credit Report.com\" href=\"http:\/\/www.annualcreditreport.com\/\">annualcreditreport.com<\/a><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p align=\"center\"><span style=\"color: #008000;\"><b><i>\u201cLos proyectos del diligente ciertamente son ventaja,<\/i><\/b><b><i> mas todo el que se apresura, ciertamente\u00a0llega\u00a0a la pobreza.\u201d<br \/>\nProverbios 21:5<\/i><\/b><\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hoy quiero hablar de c\u00f3mo proteger tu reputaci\u00f3n financiera. Me refiero a la importancia de revisar tu informe de cr\u00e9dito con regularidad.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[222,218,333],"tags":[214,371,373,374,315,326,372],"class_list":["post-6385","post","type-post","status-publish","format-standard","hentry","category-deudas-es","category-ganando-con-el-dinero-es","category-podcast-2","tag-credito-es","tag-equifax","tag-experian","tag-ftc","tag-informe-de-credito","tag-podcast","tag-transunion"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/6385","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/comments?post=6385"}],"version-history":[{"count":8,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/6385\/revisions"}],"predecessor-version":[{"id":7657,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/6385\/revisions\/7657"}],"wp:attachment":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/media?parent=6385"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/categories?post=6385"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/tags?post=6385"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}