{"id":6673,"date":"2026-10-16T13:08:08","date_gmt":"2026-10-16T17:08:08","guid":{"rendered":"https:\/\/noticias24.net\/repaldp2\/construir-credito-eeuu-hispanos-inmigrantes-2026\/"},"modified":"2026-10-16T13:08:08","modified_gmt":"2026-10-16T17:08:08","slug":"construir-credito-eeuu-hispanos-inmigrantes-2026","status":"publish","type":"post","link":"https:\/\/noticias24.net\/repaldp2\/construir-credito-eeuu-hispanos-inmigrantes-2026\/","title":{"rendered":"C\u00f3mo construir cr\u00e9dito en EEUU siendo hispano o inmigrante en 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Construir <strong>cr\u00e9dito<\/strong> en Estados Unidos es uno de los primeros pasos financieros que debe dar cualquier hispano o inmigrante que llega al pa\u00eds. Sin un buen historial de <strong>cr\u00e9dito<\/strong>, es muy dif\u00edcil alquilar un apartamento, comprar un carro, conseguir una tarjeta o solicitar un pr\u00e9stamo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 es el credit score y por qu\u00e9 importa?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El <strong>cr\u00e9dito<\/strong> en EEUU se mide con el \u00abcredit score\u00bb, una puntuaci\u00f3n entre 300 y 850 que determina qu\u00e9 tan confiable eres financieramente. Un score bajo te niega pr\u00e9stamos o te los da con intereses muy altos. Construir buen <strong>cr\u00e9dito<\/strong> lleva tiempo pero es posible desde el primer a\u00f1o.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Puntaje<\/th><th>Categor\u00eda<\/th><th>Qu\u00e9 permite<\/th><\/tr><\/thead><tbody><tr><td>300 &#8211; 579<\/td><td>Muy malo<\/td><td>Casi ning\u00fan pr\u00e9stamo<\/td><\/tr><tr><td>580 &#8211; 669<\/td><td>Regular<\/td><td>Pr\u00e9stamos con inter\u00e9s alto<\/td><\/tr><tr><td>670 &#8211; 739<\/td><td>Bueno<\/td><td>Mayor\u00eda de tarjetas y pr\u00e9stamos<\/td><\/tr><tr><td>740 &#8211; 799<\/td><td>Muy bueno<\/td><td>Buenas tasas de inter\u00e9s<\/td><\/tr><tr><td>800 &#8211; 850<\/td><td>Excelente<\/td><td>Mejores condiciones del mercado<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00f3mo empezar a construir cr\u00e9dito desde cero<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Para construir <strong>cr\u00e9dito<\/strong> desde cero en EEUU: abre una cuenta bancaria, solicita una tarjeta de cr\u00e9dito asegurada (secured credit card) que requiere un dep\u00f3sito, paga el saldo completo cada mes, no uses m\u00e1s del 30% de tu l\u00edmite de cr\u00e9dito, y reg\u00edstrate en programas como Experian Boost para sumar tus pagos de servicios al historial. En 6-12 meses ver\u00e1s tu <strong>cr\u00e9dito<\/strong> crecer significativamente.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>C\u00f3mo construir cr\u00e9dito en EEUU siendo hispano o inmigrante en 2026: qu\u00e9 es el credit score, c\u00f3mo empezar desde cero, tarjetas para principiantes y errores que debes evitar.<\/p>\n","protected":false},"author":1,"featured_media":6659,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yb_kicker":"","_yb_byline":"","_yb_home_slot":"","_yb_featured":"","_yb_live":"","_yb_source_name":"","_yb_source_url":"","_yb_source_logo":"","_yb_embed":"","_yb_related":"","_yb_correction":"","_yb_correction_date":"","_yb_sponsor":"","_yb_sponsor_url":"","_yb_photo_credit":"","_yb_expire":"","_yb_expire_action":"","_yb_noindex":"","footnotes":"","_n24_title":"C\u00f3mo construir cr\u00e9dito en EEUU siendo hispano 2026 | Noticias24","_n24_desc":"C\u00f3mo construir cr\u00e9dito en EEUU siendo hispano o inmigrante en 2026: qu\u00e9 es el credit score, tarjetas para principiantes y errores que debes evitar.","_n24_kw":"cr\u00e9dito EEUU"},"categories":[2,51],"tags":[],"class_list":["post-6673","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-estados-unidos"],"_links":{"self":[{"href":"https:\/\/noticias24.net\/repaldp2\/wp-json\/wp\/v2\/posts\/6673","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias24.net\/repaldp2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias24.net\/repaldp2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias24.net\/repaldp2\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias24.net\/repaldp2\/wp-json\/wp\/v2\/comments?post=6673"}],"version-history":[{"count":0,"href":"https:\/\/noticias24.net\/repaldp2\/wp-json\/wp\/v2\/posts\/6673\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/noticias24.net\/repaldp2\/wp-json\/wp\/v2\/media\/6659"}],"wp:attachment":[{"href":"https:\/\/noticias24.net\/repaldp2\/wp-json\/wp\/v2\/media?parent=6673"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias24.net\/repaldp2\/wp-json\/wp\/v2\/categories?post=6673"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias24.net\/repaldp2\/wp-json\/wp\/v2\/tags?post=6673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}