Historial crediticio

Como recién llegado a Estados Unidos, es importante entender cómo funcionan las deudas y el crédito en este país.

Let's start by explaining credit management and debt management. 

Credit Management: Credit management refers to the responsible use of credit and the ability to effectively handle your financial obligations. It involves managing credit cards, loans, and other forms of credit in a way that maintains a good credit history and minimizes the risk of falling into debt. 

Debt Management: Debt management involves strategies and practices to effectively manage and pay off debts. This includes creating a budget, prioritizing debt payments, negotiating with creditors, and exploring options like debt consolidation or refinancing to improve your financial situation. 

To get a credit card in the U.S., as an immigrant, you'll typically need to establish a credit history first. Here are a few common steps to obtain a credit card: 

  • Start with a secured credit card: A secured credit card requires a cash deposit as collateral, which becomes your credit limit. It's a good option for individuals with no credit history or a limited credit history. 
  • Become an authorized user: If you have a family member or a close friend who has a credit card in good standing, you can ask them to add you as an authorized user. This allows you to build credit history by using the card responsibly. 
  • Apply for a credit card with a co-signer: If you have a trusted individual who is willing to co-sign for you, you can apply for a credit card jointly. Their good credit history will help you get approved, but they will also be responsible for the debt if you are unable to pay. 

Once you have a credit card or other forms of credit, your credit behavior will be tracked, and it will contribute to your credit score. A credit score is a numerical representation of your creditworthiness, indicating the likelihood of you repaying debts. The most commonly used credit scoring model in the U.S. is the FICO score. 

Credit scores range from 300 to 850, with higher scores indicating better creditworthiness. A good credit score generally falls in the range of 670 to 850. A higher credit score can help you access better loan terms, lower interest rates, and more favorable financial opportunities. 

Good credit matters for several reasons: 

  • Loan eligibility: Lenders, such as banks or credit card issuers, use credit scores to determine your eligibility for loans or credit. With a good credit score, you are more likely to be approved for loans and credit cards. 
  • Interest rates: A good credit score can help you secure loans and credit cards at lower interest rates. This means you'll pay less in interest over time, saving you money. 
  • Housing and employment: Landlords and potential employers may check your credit history during the application process. A positive credit history can increase your chances of renting a desirable apartment or getting a job that involves financial responsibility. 
  • Utility services: Some utility companies may require a credit check before providing services like electricity, gas, or internet. Good credit can make it easier to establish these services without additional deposits or restrictions. 
  • Future financial opportunities: A strong credit history and good credit score can open doors to better financial opportunities, such as obtaining larger loans for major purchases like a car or a home. 

Understanding credit management and debt management is crucial for immigrants in the U.S. Building and maintaining a good credit score is important as it impacts your ability to access credit, determines interest rates, and affects various aspects of your financial life. Taking responsible steps to manage your credit and debt can set you on a path to financial success in the U.S. 


La información que figura en tiene únicamente fines informativos generales. No debe tomarse como asesoramiento profesional ni reemplazar la orientación de un profesional.

Invirtiendo en todos

Su apoyo financiero ayudará a que la obtención de la ciudadanía sea más económica para millones de futuros estadounidenses.

Invierta hoy