{"id":18482,"date":"2022-09-12T15:17:53","date_gmt":"2022-09-12T21:17:53","guid":{"rendered":"https:\/\/www.iccu.com\/services\/mi-credito\/"},"modified":"2025-03-25T12:39:18","modified_gmt":"2025-03-25T18:39:18","slug":"my-credit","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/es\/services\/my-credit\/","title":{"rendered":"Mi cr\u00e9dito"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-green-color has-text-color\" id=\"h-check-your-credit-score-daily\">Comprueba a diario tu puntuaci\u00f3n crediticia<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Puedes comprobar tu puntuaci\u00f3n crediticia cada vez que te conectes a tu banca m\u00f3vil o en l\u00ednea. Mi Cr\u00e9dito es un servicio gratuito ofrecido por ICCU, impulsado por SavvyMoney\u00ae. Con un solo clic, puedes comprobar tu puntuaci\u00f3n crediticia, ver tu informe de cr\u00e9dito y recibir notificaciones actualizadas de control de cr\u00e9dito. Tambi\u00e9n puedes averiguar qu\u00e9 afecta a tu puntuaci\u00f3n, c\u00f3mo puedes ahorrar dinero y c\u00f3mo mejorar tu puntuaci\u00f3n o reconstruir tu cr\u00e9dito. Es una forma m\u00e1s de que ICCU cuide de tu saldo diario.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">Para activar y utilizar este servicio gratuito, s\u00f3lo tienes que hacer clic en Mi cr\u00e9dito en la banca m\u00f3vil o electr\u00f3nica.<\/p>\n\n\n\n<div id=\"block_1d6d0727beed99bd84b17f2b0a89e0c6\" class=\"js-button-group is-horizontal justify-left \">\n  \n\n<button id=\"block_ebe852bcf12d6bc99785a119d9c9e595\" class=\"js-button \" onclick=oao.open('%\/ebranch')>Entrar en eBranch<\/button>\n\n\n\n\n<button id=\"block_14cc16210a0a915bde48f410cd183beb\" class=\"js-button is-style-link\" onclick=oao.open('\/services\/online-banking\/download\/')>Descarga la app ICCU<\/button>\n\n\n\n<\/div>\n\n\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-black-color has-text-color\" id=\"h-get-to-know-my-credit\">Conocer mi cr\u00e9dito<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-lg-font-size\" id=\"h-stay-up-to-date\">Mantente al d\u00eda<\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Comprueba diariamente tu puntuaci\u00f3n crediticia<\/li>\n\n\n\n<li>Supervisa el cr\u00e9dito en busca de actividad inusual<\/li>\n\n\n\n<li>Recibe alertas de cambios en tu cr\u00e9dito<\/li>\n\n\n\n<li>Ver tu informe crediticio completo<\/li>\n\n\n\n<li>Impugnar elementos de tu informe crediticio<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-lg-font-size\" id=\"h-helpful-information\">Informaci\u00f3n \u00fatil<\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Visualiza lo que afecta a tu puntuaci\u00f3n de cr\u00e9dito<\/li>\n\n\n\n<li>Simula c\u00f3mo pueden afectar a tu puntuaci\u00f3n las acciones futuras<\/li>\n\n\n\n<li>Consigue consejos para reconstruir el cr\u00e9dito y ahorrar dinero<\/li>\n\n\n\n<li>Obt\u00e9n ofertas instant\u00e1neas basadas en tu cr\u00e9dito<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"My Credit from Idaho Central Credit Union\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/cJoSwe3GQEE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<div id=\"block_1d6d0727beed99bd84b17f2b0a89e0c6\" class=\"js-button-group is-horizontal justify-left \">\n  \n\n<button id=\"block_ebe852bcf12d6bc99785a119d9c9e595\" class=\"js-button \" onclick=oao.open('%\/ebranch')>Entrar en eBranch<\/button>\n\n\n\n\n<button id=\"block_14cc16210a0a915bde48f410cd183beb\" class=\"js-button is-style-link\" onclick=oao.open('\/services\/online-banking\/download\/')>Descarga la app ICCU<\/button>\n\n\n\n<\/div>\n\n\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-green-color has-text-color\" id=\"h-learn-from-the-experts\">Aprende de los expertos<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Your Daily Balance - My Credit with Lisa Davis\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/7QAilzTJXx4?start=1&#038;feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Nuestro equipo de ICCU te da los mejores consejos y trucos para alcanzar el \u00e9xito financiero a trav\u00e9s de Mi Cr\u00e9dito. Tu historial crediticio ya no es un misterio. Accediendo a tu banca electr\u00f3nica puedes ver tu puntuaci\u00f3n crediticia actual, las cuentas abiertas y cerradas, los pr\u00e9stamos y tu informe crediticio completo, todo ello sin que afecte a tu puntuaci\u00f3n. Nunca ha sido tan f\u00e1cil tomar el control de tus finanzas y mantenerte protegido.<\/p>\n\n\n\n<div id=\"block_1d6d0727beed99bd84b17f2b0a89e0c6\" class=\"js-button-group is-horizontal justify-left \">\n  \n\n<button id=\"block_ebe852bcf12d6bc99785a119d9c9e595\" class=\"js-button \" onclick=oao.open('%\/ebranch')>Entrar en eBranch<\/button>\n\n\n\n\n<button id=\"block_14cc16210a0a915bde48f410cd183beb\" class=\"js-button is-style-link\" onclick=oao.open('\/services\/online-banking\/download\/')>Descarga la app ICCU<\/button>\n\n\n\n<\/div>\n\n\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-black-color has-text-color\" id=\"h-benefits-of-my-credit\">Ventajas de Mi Cr\u00e9dito<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-stay-up-to-date-without-affecting-your-credit\">Mantente al d\u00eda sin afectar a tu cr\u00e9dito.<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">A muchas personas les preocupa que, si comprueban demasiado su puntuaci\u00f3n crediticia, \u00e9sta baje. En realidad, utilizar Mi cr\u00e9dito para comprobar tu puntuaci\u00f3n es lo que se conoce como una \u00abconsulta suave\u00bb, que no afecta a tu puntuaci\u00f3n crediticia. Los prestamistas utilizan las \u00abconsultas duras\u00bb para tomar decisiones sobre tu solvencia crediticia cuando solicitas un pr\u00e9stamo.  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-helpful-information-to-empower-you\">Informaci\u00f3n \u00fatil para empoderarte.<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Seg\u00fan tu informaci\u00f3n de Mi Cr\u00e9dito, puedes recibir art\u00edculos \u00fatiles y ofertas de productos de ICCU. Los art\u00edculos, escritos por Jean Chatzky y el equipo de SavvyMoney, ofrecen consejos \u00fatiles sobre c\u00f3mo puedes gestionar el cr\u00e9dito y las deudas con prudencia. La oferta de productos puede ser de tu inter\u00e9s. En la mayor\u00eda de los casos, estas ofertas pueden tener tipos de inter\u00e9s m\u00e1s bajos que los productos que ya tienes. Nuestro objetivo es proporcionarte la informaci\u00f3n necesaria para que saques el m\u00e1ximo partido a tu dinero.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-monitor-your-credit-to-prevent-fraud-and-identity-theft\">Controla tu cr\u00e9dito para evitar el fraude y el robo de identidad.<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Mi Cr\u00e9dito tambi\u00e9n supervisa diariamente tu informe crediticio y te informa por correo electr\u00f3nico si se detectan grandes cambios como: la apertura de una nueva cuenta, un cambio de domicilio o de empleo, si se ha notificado un impago o se ha realizado una consulta. La supervisi\u00f3n ayuda a los usuarios a vigilar los robos de identidad. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-sense-tools-for-managing-your-credit\">Herramientas de sentido com\u00fan para gestionar tu cr\u00e9dito.<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Los eventos de puntuaci\u00f3n de cr\u00e9dito te ayudan a visualizar la relaci\u00f3n de tu puntuaci\u00f3n de cr\u00e9dito con el historial de pagos, el uso o la apertura y cierre de cuentas. Utiliza el simulador de puntuaci\u00f3n crediticia para ver el impacto potencial de abrir nuevas cuentas o saldar saldos. Esta herramienta interactiva simular\u00e1 tu puntuaci\u00f3n crediticia antes de que realices ninguna acci\u00f3n.  <\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"><section id=\"block_eb4f4fd49afff0851a941ee5ae985a5a\" class=\"o-simple-faq  is-layout-flex wp-block-columns alignwide\">\n    <div class=\"o-simple-faq__inner\">\n        <h2 class=\"has-text-align-left\">Preguntas frecuentes<\/h2>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">\u00bfQu\u00e9 es \u00abMi cr\u00e9dito\u00bb? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Mi Cr\u00e9dito te ayuda a estar al tanto de tu cr\u00e9dito proporcion\u00e1ndote tu puntuaci\u00f3n e informe crediticios m\u00e1s recientes, un conocimiento de los factores clave que influyen en la puntuaci\u00f3n y ofertas para refinanciar tus pr\u00e9stamos y ayudarte a reducir los costes de los intereses. Tambi\u00e9n supervisa tu cr\u00e9dito a diario y te informa por correo electr\u00f3nico si se detectan grandes cambios, como la apertura de una nueva cuenta, un cambio de domicilio o de empleo, o si se ha notificado un impago o una consulta. <\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">\u00bfHay que pagar alguna cuota por Mi Cr\u00e9dito? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">No. Mi Cr\u00e9dito es totalmente gratuito para los miembros de ICCU que tengan banca online o m\u00f3vil.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">\u00bfAcceder a Mi Cr\u00e9dito \u00abmarcar\u00e1\u00bb mi cr\u00e9dito y reducir\u00e1 potencialmente mi puntuaci\u00f3n crediticia? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">No. Comprobar mi cr\u00e9dito es una \u00abconsulta suave\u00bb, que no afecta a la puntuaci\u00f3n crediticia. Los prestamistas utilizan las \u00abindagaciones duras\u00bb para tomar decisiones sobre la solvencia crediticia cuando solicitas un pr\u00e9stamo.  <\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">\u00bfOfrece Mi Cr\u00e9dito tambi\u00e9n la supervisi\u00f3n del informe de cr\u00e9dito? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">S\u00ed. Mi Cr\u00e9dito controlar\u00e1 y enviar\u00e1 alertas por correo electr\u00f3nico cuando se haya producido un cambio en tu perfil crediticio. <\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">\u00bfCon qu\u00e9 frecuencia se actualiza la puntuaci\u00f3n crediticia? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">La puntuaci\u00f3n crediticia se actualizar\u00e1 cada 7 d\u00edas y se mostrar\u00e1 en la banca online. Puedes hacer clic en \u00abActualizar puntuaci\u00f3n\u00bb tan a menudo como cada d\u00eda para obtener una puntuaci\u00f3n crediticia actualizada. <\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">\u00bfEn qu\u00e9 se diferencia la puntuaci\u00f3n de Mi cr\u00e9dito de otras ofertas de puntuaci\u00f3n crediticia? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Mi Cr\u00e9dito extrae el cr\u00e9dito de TransUnion y utiliza VantageScore 3.0, un modelo de puntuaci\u00f3n crediticia desarrollado en colaboraci\u00f3n por las tres principales agencias de cr\u00e9dito: Equifax, Experian y TransUnion. Este modelo pretende que la informaci\u00f3n sobre las puntuaciones sea m\u00e1s uniforme entre las tres agencias para ofrecer a los consumidores una mejor imagen de su salud crediticia. <\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">\u00bfPor qu\u00e9 difieren las puntuaciones crediticias? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Hay tres grandes agencias de informaci\u00f3n crediticia (Equifax, Experian y Transunion) y dos modelos de puntuaci\u00f3n (FICO o VantageScore) que determinan las puntuaciones crediticias. Las entidades financieras utilizan diferentes agencias, as\u00ed como sus propios modelos de puntuaci\u00f3n. M\u00e1s de 200 factores de un informe crediticio pueden tenerse en cuenta al calcular una puntuaci\u00f3n y cada modelo puede ponderar los factores crediticios de forma diferente, por lo que ning\u00fan modelo de puntuaci\u00f3n es id\u00e9ntico.  <\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">\u00bfPor qu\u00e9 la tasa TAE de Mi cr\u00e9dito no coincide con la tasa real de mi pr\u00e9stamo (vivienda, tarjeta de cr\u00e9dito, estudiante, autom\u00f3vil)? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">En la mayor\u00eda de los casos, los prestamistas no comunican la informaci\u00f3n sobre las tasas de inter\u00e9s de las cuentas a las agencias de cr\u00e9dito, que es donde Mi Cr\u00e9dito recupera tu informaci\u00f3n. Para asegurarnos de que te proporcionamos toda la informaci\u00f3n que necesitas para ser consciente del cr\u00e9dito de todas tus cuentas, Mi cr\u00e9dito al rev\u00e9s calcula una estimaci\u00f3n de la TAE bas\u00e1ndose en los pagos del pr\u00e9stamo y en la informaci\u00f3n sobre el plazo.\r\n\r\nEn el caso de los pr\u00e9stamos hipotecarios, faltan cargos adicionales, como los saldos en custodia, que hacen que la TAE estimada var\u00ede de la real.\r\n\r\nPara las tarjetas de cr\u00e9dito o los pr\u00e9stamos estudiantiles, la TAE estimada puede variar, ya que estos tipos de cuentas tienen importes de pago fluctuantes y son de duraci\u00f3n indefinida (sin fecha de vencimiento real).\r\n\r\nPuedes editar la estimaci\u00f3n de la TAE en cualquier momento para reflejar la TAE real. Mi Cr\u00e9dito guardar\u00e1 la tasa que introduzcas y la mostrar\u00e1 durante toda la vida de la cuenta.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">\u00bfUtilizar\u00e1 ICCU Mi Cr\u00e9dito para tomar decisiones sobre pr\u00e9stamos? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">No, ICCU utiliza sus propios criterios de pr\u00e9stamo para tomar decisiones sobre pr\u00e9stamos.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">Si ICCU no utiliza Mi Cr\u00e9dito para tomar decisiones sobre pr\u00e9stamos, \u00bfpor qu\u00e9 lo ofrecemos? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Mi Cr\u00e9dito puede ayudarte a gestionar tu cr\u00e9dito para que, cuando llegue el momento de pedir un pr\u00e9stamo para una compra importante -como comprar una casa, un coche o pagar la universidad-, te proporcione una imagen clara de la salud de tu cr\u00e9dito y pueda ayudarte a prepararte para optar a la tasa de inter\u00e9s m\u00e1s baja posible. Tambi\u00e9n puedes ver ofertas sobre c\u00f3mo puedes ahorrar dinero en tus pr\u00e9stamos nuevos y existentes con ICCU.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">\u00bfPor qu\u00e9 Mi Cr\u00e9dito no est\u00e1 actualizado con el saldo m\u00e1s reciente de mis tarjetas de cr\u00e9dito? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Toda tu informaci\u00f3n puede tardar hasta un mes en llegar a las agencias de cr\u00e9dito. Depende de la frecuencia con que las empresas con las que tienes tus tarjetas informen a las agencias de cr\u00e9dito. Algunas empresas s\u00f3lo lo hacen una vez al mes. Mi Cr\u00e9dito no es una representaci\u00f3n instant\u00e1neamente exacta de las cuentas. Actualizar tu cuenta mostrar\u00e1 informaci\u00f3n precisa siempre que se haya comunicado a la oficina de cr\u00e9dito.    <\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">\u00bfQu\u00e9 ocurre si la informaci\u00f3n proporcionada por Mi Cr\u00e9dito parece ser err\u00f3nea o inexacta? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Mi Cr\u00e9dito hace todo lo posible por mostrar la informaci\u00f3n m\u00e1s relevante de un informe crediticio. Si crees que parte de la informaci\u00f3n es err\u00f3nea o inexacta, puedes obtener un informe crediticio gratuito en www.annualcreditreport.com, y luego impugnar las inexactitudes con cada oficina individualmente. Cada oficina tiene su propio proceso para corregir la informaci\u00f3n inexacta, pero todos los usuarios de Mi cr\u00e9dito pueden \u00abPresentar una impugnaci\u00f3n\u00bb ante Transunion haciendo clic en el enlace \u00abImpugnar\u00bb dentro de Mi cr\u00e9dito. Si se verifica la inexactitud, Transunion lo comunicar\u00e1 a las dem\u00e1s agencias.   <\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">Hay una secci\u00f3n en el sitio que presenta tanto ofertas de productos de ICCU como art\u00edculos de educaci\u00f3n financiera. \u00bfPor qu\u00e9 veo esto?  <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">En funci\u00f3n de tu informaci\u00f3n de Mi Cr\u00e9dito, puedes recibir ofertas de ICCU sobre productos que puedan interesarte. En la mayor\u00eda de los casos, estas ofertas pueden tener tipos de inter\u00e9s m\u00e1s bajos que los productos que ya tienes. Los art\u00edculos educativos est\u00e1n dise\u00f1ados para proporcionar consejos \u00fatiles sobre c\u00f3mo puedes gestionar el cr\u00e9dito y las deudas con prudencia.  <\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">Mis Ofertas parecen aplastadas y el formato est\u00e1 mal. \u00bfPor qu\u00e9?  <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Comprueba la configuraci\u00f3n de tu navegador. Puede que tengas la fuente configurada en Grande en lugar de la recomendada en Mediana. <\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">Cuando estoy en Mi cr\u00e9dito y pulso el bot\u00f3n Atr\u00e1s o DONE en mi dispositivo m\u00f3vil, me lleva a una pantalla blanca en blanco con \u00abMi cr\u00e9dito\u00bb en la parte superior. \u00bfC\u00f3mo vuelvo a eBranch o a Mi Cr\u00e9dito?  <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Simplemente haz clic en el icono del men\u00fa situado en la parte superior izquierda de la pantalla y selecciona el widget que desees.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">\u00bfC\u00f3mo mantiene Mi Cr\u00e9dito la seguridad de mi informaci\u00f3n financiera? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Mi Cr\u00e9dito utiliza encriptaci\u00f3n a nivel bancario y medidas de seguridad para mantener los datos seguros y protegidos. Tu informaci\u00f3n personal nunca se comparte ni se vende a terceros. <\/p>\n        <\/div>\n          \n    <\/div>\n<\/section>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Comprueba a diario tu puntuaci\u00f3n crediticia Puedes comprobar tu puntuaci\u00f3n crediticia cada vez que te conectes a tu banca m\u00f3vil [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17642,"parent":18454,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"product-detail-page.php","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-18482","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mi cr\u00e9dito - ICCU<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.iccu.com\/es\/services\/my-credit\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mi cr\u00e9dito\" \/>\n<meta property=\"og:description\" content=\"Comprueba a diario tu puntuaci\u00f3n crediticia Puedes comprobar tu puntuaci\u00f3n crediticia cada vez que te conectes a tu banca m\u00f3vil [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.iccu.com\/es\/services\/my-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"ICCU\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IdahoCentralCreditUnion\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-25T18:39:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2023\/08\/my-credit-hammock-hero.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"780\" \/>\n\t<meta property=\"og:image:height\" content=\"586\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Idaho_Central\" \/>\n<meta name=\"twitter:label1\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.iccu.com\\\/es\\\/services\\\/my-credit\\\/\",\"url\":\"https:\\\/\\\/www.iccu.com\\\/es\\\/services\\\/my-credit\\\/\",\"name\":\"Mi cr\u00e9dito - 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