¿Qué es un buen puntaje crediticio para una persona de 30 años?

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  • ¿Qué es un buen puntaje crediticio para una persona de 30 años?
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22 May, 2023
11 min
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puntuación de crédito promedio a los 30 años

No hay un puntaje específico

Vea cuál es el puntaje de crédito ideal, si lo hay, para alguien que tiene 30 años.

Es natural para nosotros, como humanos, comparar cosas. Comparamos todo, desde ropa hasta autos. Dado que los puntajes de crédito son representaciones numéricas de la situación financiera y la solvencia, podemos preguntarnos cómo nos comparamos con otros en situaciones similares.

Esta publicación trata sobre lo que debería ser una buena calificación crediticia para una persona de 30 años. Siga leyendo para obtener la respuesta.

¿Existe un puntaje ideal?

De hecho, los puntajes crediticios aumentan con la edad. Y eso se debe a que el tiempo es un elemento esencial en los dos factores principales que afectan su puntaje crediticio. Estos factores son su historial de pagos que, según FICO, constituye el 35% de su puntaje crediticio y la antigüedad de su historial crediticio, que constituye el 15% de su puntaje crediticio. 

El tiempo le da a su puntuación de crédito espacio para crecer. Sin embargo, vale la pena mencionar que el puntaje crediticio no se centra en su edad. Importa la edad de la cuenta, no la edad física del titular. 

No hay una respuesta específica sobre lo que debería ser un buen puntaje crediticio para una persona de 30 años. Las personas tienen vidas diferentes y enfrentan diferentes desafíos. De hecho, la amenaza de los errores en los informes crediticios podría mostrar su desagradable presencia y estropear las cosas en cualquier momento.

Es mejor y más fácil pensar en términos de un rango de puntajes y un grupo de edad en lugar de números específicos. Esto se debe a que los prestamistas se centran en el rango de puntuación en el que usted se encuentra en lugar de fijarse en su puntuación exacta al considerar las solicitudes de préstamo. 

De acuerdo a Experian, el puntaje crediticio promedio para personas de 30 años está en el rango de 668 a 680. Además, los puntajes de crédito que oscilan entre 661 y 780 se consideran "buenos". Por lo tanto, si tiene 30 años y encuentra su puntaje de crédito en ese rango, puede estar tranquilo.

En resumen

Dicen que la comparación es el ladrón de la alegría. Es posible que descubra que su puntaje crediticio actual no está a la altura de un consumidor de 30 años. No se pierda toda la esperanza. Puede construir su crédito aplicando buenos hábitos financieros, evitando lo que hace que su puntuación de crédito baje y tomando medidas para proteger su crédito. Hablando de protección crediticia, podemos ayudarlo con eso.

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