{"id":5075,"date":"2025-03-02T14:53:00","date_gmt":"2025-03-02T14:53:00","guid":{"rendered":"https:\/\/www.avafin.es\/?p=5075"},"modified":"2026-07-23T09:49:15","modified_gmt":"2026-07-23T07:49:15","slug":"que-es-lhistorial-creditici","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-historial-crediticio","title":{"rendered":"Qu\u00e8 \u00e9s l&#039;historial creditici i com hi influeix?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">En aquest post abordarem <strong>qu\u00e8 \u00e9s l&#039;historial creditici<\/strong>, com es conforma i la influ\u00e8ncia que pot arribar a tenir als teus plans financers a l&#039;hora de, per exemple, sol\u00b7licitar<strong> <\/strong><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pr\u00e9stecs<\/strong><\/a> de qualsevol tipus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, veurem la manera de <strong>esbrinar el teu historial de cr\u00e8dit<\/strong>, qu\u00e8 passa si no ho tens i si \u00e9s cert que bancs i financeres assignen un <strong>score <\/strong>o <strong>puntuaci\u00f3 credit\u00edcia<\/strong> a cada client.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Acompanya&#039;ns per con\u00e8ixer detalladament uns aspectes que poden tenir una repercussi\u00f3 molt important en la teva vida financera!&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #6a737c;color:#6a737c\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #6a737c;color:#6a737c\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-historial-crediticio\/#%C2%BFQue_es_el_historial_crediticio_y_para_que_sirve\" >Qu\u00e8 \u00e9s l&#039;historial creditici i per qu\u00e8 serveix?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-historial-crediticio\/#%C2%BFQue_te_genera_historial_crediticio\" >Qu\u00e8 et genera historial creditici?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-historial-crediticio\/#%C2%BFComo_puedo_saber_cual_es_mi_historial_crediticio\" >Com puc saber quin \u00e9s el meu historial creditici?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-historial-crediticio\/#%C2%BFDonde_puedo_averiguar_mi_historial_crediticio\" >On puc esbrinar el meu historial creditici?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-historial-crediticio\/#%C2%BFCual_es_mi_calificacion_crediticia\" >Quina \u00e9s la meva qualificaci\u00f3 credit\u00edcia?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-historial-crediticio\/#%C2%BFQue_pasa_si_no_tengo_un_historial_crediticio\" >Qu\u00e8 passa si no tinc un historial creditici?&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-historial-crediticio\/#%C2%BFNecesitas_liquidez_hoy_mismo\" >Necessites liquiditat avui mateix?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_el_historial_crediticio_y_para_que_sirve\"><\/span><strong>Qu\u00e8 \u00e9s l&#039;historial creditici i per qu\u00e8 serveix?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;historial creditici \u00e9s un <strong>registre <\/strong>en qu\u00e8 queden reflectides les <strong>petjades<\/strong>&#039;del nostre <strong>comportament financer<\/strong>, ent\u00e8s aquest com a compliment de les obligacions que haguem contret, per al <strong>pagament de deutes<\/strong> d&#039;hipoteques, cr\u00e8dits, targetes, productes i b\u00e9ns comprats a terminis, etc.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La comesa principal per a la qual <strong>serveix l&#039;historial creditici<\/strong> \u00e9s facilitar l&#039;an\u00e0lisi de <strong>riscos del banc<\/strong> o de les <strong>entitats financeres <\/strong>a les que puguem <strong>sol\u00b7licitar un cr\u00e8dit<\/strong> o una hipoteca.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Es tracta, doncs, d&#039;un indicador que mostra tant les possibles <strong>deutes pendents<\/strong> com la traject\u00f2ria seguida a l&#039;hora d&#039;afrontar els <strong>pagaments compromesos<\/strong>, cosa que converteix l&#039;historial de cr\u00e8dit en un criteri fonamental, primer per decidir si es d\u00f3na <strong>acc\u00e9s a finan\u00e7ament<\/strong> a un client que ho sol\u00b7liciti, i despr\u00e9s a <strong>quines condicions<\/strong> es fa d&#039;acord amb <strong>risc assumit<\/strong>.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s a dir, que si demanes una hipoteca o un pr\u00e9stec a un banc amb un <strong>bon historial de cr\u00e8dit<\/strong> podries beneficiar-te de millors condicions quant a <strong>quantitats<\/strong>, taxes de <strong>inter\u00e8s<\/strong> i terminis de devoluci\u00f3, almenys en teoria. Si b\u00e9, a la pr\u00e0ctica es tendeix a percebre que a les entitats banc\u00e0ries funciona m\u00e9s com a barrera de <strong>restricci\u00f3 d&#039;acc\u00e9s<\/strong>,<strong> <\/strong>en operar com a mecanisme dan\u00e0lisi de solv\u00e8ncia per a control del risc.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_te_genera_historial_crediticio\"><\/span><strong>Qu\u00e8 et genera historial creditici?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Encara que la denominaci\u00f3 de &#039;<strong>historial de cr\u00e8dit&#039; <\/strong>feu pensar que es tractaria en exclusiva d&#039;un registre creditici, el cert \u00e9s que reflecteix totes les <strong>incid\u00e8ncies <\/strong>que puguin haver existit al <strong>pagament de tota mena d&#039;obligacions<\/strong>, ja siguin pr\u00e9stecs hipotecaris, targetes banc\u00e0ries, microcr\u00e8dits, p\u00f2lisses d&#039;asseguradores, compres finan\u00e7ades, aix\u00ed com factures de subministraments i operadors de telefonia i internet.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Qualsevol impagament en els \u00e0mbits que acabem de veure pot quedar registrat per la <strong><a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-saber-si-estic-a-asnef\/\">ASNEF<\/a><\/strong>, aix\u00f2 \u00e9s l&#039;Associaci\u00f3 Nacional d&#039;Establiments Financers de Cr\u00e8dit, el <strong>fitxer Asnef-Equifax<\/strong> recull <strong>deutes de particulars des de 50 euros<\/strong>. O b\u00e9, figurar en altres llistats que tamb\u00e9 recopilen l&#039;incompliment d&#039;obligacions diner\u00e0ries com els de <strong>Badexcug<\/strong> d&#039;Experian Bureau de Cr\u00e8dit,<strong> <\/strong>companyia d&#039;operativa multinacional.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per <strong>deutes pendents<\/strong> per <strong>productes financers<\/strong> entraria en lli\u00e7a un altre registre espec\u00edfic, que a m\u00e9s t\u00e9 car\u00e0cter oficial. Ens referim el <strong>CIRBE de la central<\/strong> de riscos del <strong>Banc d&#039;Espanya<\/strong>, que com b\u00e9 s&#039;afirma en la seva <a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/productosservici\/relacionados\/cirbe\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>p\u00e0gina web oficial<\/strong><\/a> no \u00e9s un fitxer de morositat, per\u00f2 s\u00ed que recopila les obligacions contretes amb les <strong>entitats banc\u00e0ries <\/strong>que estiguin encara en vigor. O el que \u00e9s el mateix, aquells <strong>cr\u00e8dits o pr\u00e9stecs que no s&#039;hagin liquidat<\/strong>, ja estiguin pendents per no haver concl\u00f2s el seu per\u00edode d&#039;amortitzaci\u00f3 o per impagament.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta informaci\u00f3 d&#039;historial creditici la podeu consultar els bancs quan us sol\u00b7licitem una operaci\u00f3, per estudiar mitjan\u00e7ant l&#039;informe o <strong>reporti de cr\u00e8dit<\/strong> els riscos en qu\u00e8 incorrerien, tant directes (per altres <strong>cr\u00e8dits hipotecaris<\/strong> o pr\u00e9stecs que puguem tenir sense pagar) com a indirectes (pels avals i altres garanties que ja serveixin de suport a operacions pr\u00e8vies i no serveixin per cobrir-ne de noves).&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFComo_puedo_saber_cual_es_mi_historial_crediticio\"><\/span><strong>Com puc saber quin \u00e9s el meu historial creditici?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Per con\u00e8ixer el teu historial de cr\u00e8dit amb les <strong>entitats financeres<\/strong> pots accedir a la <strong>oficina virtual<\/strong> del <strong>Banc d&#039;Espanya<\/strong>. Mentre que per estar al dia de possibles deutes o impagaments de qualsevol tipus que hagin deixat rastre pots consultar els fitxers de <strong>Asnef-Equifax<\/strong> i <strong>Experian-Badecug<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T&#039;ho expliquem detalladament al <strong>seg\u00fcent apartat<\/strong>.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFDonde_puedo_averiguar_mi_historial_crediticio\"><\/span><strong>On puc esbrinar el meu historial creditici?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Per accedir al teu <strong>historial creditici<\/strong> al <strong>CIRBE bancari<\/strong> pots:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gestionar-ho a la <a href=\"https:\/\/sedeelectronica.bde.es\/sede\/es\/menu\/tramites\/central-de-infor\/solicitud-informes-riesgos-cirbe-p58.html\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>seu electr\u00f2nica<\/strong><\/a> de la <strong>web del Banc d&#039;Espanya, <\/strong>cosa que requereix certificat digital.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sol\u00b7licitar-ho per <strong>correu ordinari<\/strong> mitjan\u00e7ant el formulari &#039;FDU-031 Sol\u00b7licitud d&#039;informes de Riscos a la Central de Riscos&#039;, que est\u00e0 disponible a l&#039;\u00e0rea de tramitaci\u00f3 de la seu electr\u00f2nica.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Acudir de manera <strong>presencial <\/strong>a qualsevol sucursal del Banc d&#039;Espanya, per aix\u00f2 haur\u00e0s de demanar <strong>cita pr\u00e8via<\/strong>.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">De la mateixa manera, pots esbrinar a <strong>registres de morositat<\/strong> de <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-saber-si-estic-a-asnef\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ASNEF<\/strong><\/a> o <strong>Experien<\/strong> els hipot\u00e8tics <strong>impagaments<\/strong> que estiguin repercutint en el teu historial creditici. Per ambd\u00f3s casos \u00e9s consultable tant per <strong>correu postal<\/strong> com <strong>en l\u00ednia<\/strong> de manera totalment <strong>gratu\u00efta<\/strong>, en exercici del teu dret d&#039;acc\u00e9s a la informaci\u00f3 personal registrada sobre tu contemplat a la legislaci\u00f3 espanyola. Si vols assabentar-te sobre com fer-ho exactament et convidem a llegir el<strong> post<\/strong> que dediquem a les <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-saber-els-deutes-que-tinc-gratis\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>consultes sobre deutes<\/strong><\/a>.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_mi_calificacion_crediticia\"><\/span><strong>Quina \u00e9s la meva qualificaci\u00f3 credit\u00edcia?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ja hem vist que hi ha un historial creditici, i com aquesta petjada financera pot repercutir al <strong>sol\u00b7licitar un pr\u00e9stec<\/strong>, particularment quan apareixen impagaments i deutes a <strong>llistes de morosos<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, en funci\u00f3 d&#039;aquest historial els bancs i entitats financeres en puguin donar una <strong>qualificaci\u00f3 credit\u00edcia<\/strong>, el que tamb\u00e9 es coneix com <strong>score<\/strong> o <strong>puntaci\u00f3<\/strong>. Cosa que efectivament funciona, si b\u00e9 no est\u00e0 estandarditzat al nivell pa\u00efsos com <strong>Estats Units<\/strong>, on fins i tot existeixen uns determinats <strong>barems preestablerts<\/strong>, i \u00e9s possible consultar aquestes dades a trav\u00e9s de serveis com el de <strong>Experien<\/strong>, nom\u00e9s disponible a<strong> Espanya<\/strong> per obtenir informaci\u00f3 d&#039;empreses i aut\u00f2noms, de cara a poder avaluar els riscos d&#039;operar-hi.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aqu\u00ed al nostre pa\u00eds la <strong>qualificaci\u00f3 credit\u00edcia<\/strong> que s&#039;atorga dep\u00e8n m\u00e9s dels <strong>criteris operatius interns <\/strong>de cada entitat banc\u00e0ria o financera. Per fer aquests barems a <strong>fintechs<\/strong> com <strong>AvaFin<\/strong> ens servim de les <strong>\u00faltimes<\/strong> <strong>tecnologies<\/strong>, emprant algorismes predictius avan\u00e7ats per aconseguir una avaluaci\u00f3 de riscos m\u00e9s precisa i ajustada.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Encara que no puguis saber quina \u00e9s la qualificaci\u00f3 credit\u00edcia exacta que t&#039;assigna, posem per cas, el teu banc o financera de confian\u00e7a, s\u00ed que est\u00e0 al teu abast con\u00e8ixer que aquesta puntuaci\u00f3 es conforma per l&#039;aplicaci\u00f3 de <strong>models probabil\u00edstics<\/strong>, que calibren el <strong>risc d&#039;impagament<\/strong> d&#039;un determinat producte financer, tenint en compte criteris com el propi <strong>historial creditici<\/strong>, el nivell dels <strong>ingressos <\/strong>o la seva estabilitat.&nbsp;&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_pasa_si_no_tengo_un_historial_crediticio\"><\/span><strong>Qu\u00e8 passa si no tinc un historial creditici?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si no teniu un historial creditici, tan sols el derivat de l&#039;\u00fas de <strong>targetes de cr\u00e8dit<\/strong>, qualsevol <strong>entitat financera<\/strong> per concedir-te un pr\u00e9stec valorar\u00e0 abans que res que hi hagi un <strong>balan\u00e7 positiu <\/strong>entre els teus ingressos i l&#039;import de l&#039;obligaci\u00f3 que contrauries, ja que aquest seria el principal indicador del teu <strong>solv\u00e8ncia econ\u00f2mica<\/strong>, cosa que no treu que puguin requerir-se <strong>garanties <\/strong>addicionals en forma de <strong>avals<\/strong>, particularment si parlem de cr\u00e8dits per imports significatius.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>AvaFin<\/strong> apostem per la <strong>inclusi\u00f3 financera<\/strong>, per no restringir l&#039;acc\u00e9s al cr\u00e8dit de persones que ho puguin necessitar. Per aix\u00f2,<strong> no exigim avals<\/strong> i aprovam sol\u00b7licituds recolzades amb altres ingressos regulars que no siguin la n\u00f2mina.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9, ens distingim per<strong> estudiar <\/strong>cada <strong>cas personal<\/strong> a <strong>detall<\/strong>, i podem sota aquesta mateixa filosofia inclusiva arribar a concedir <a href=\"https:\/\/www.avafin.es\/ca\/credits\/rapids-amb-asnef\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>cr\u00e8dits r\u00e0pids amb Asnef<\/strong><\/a> si es compleixen certs requisits.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Al mateix temps, <strong>premiem<\/strong> la <strong>responsabilitat financera<\/strong>, recompensant el <strong>historial creditici positiu<\/strong> que tinguis amb nosaltres, perqu\u00e8 obtinguis successivament <a href=\"https:\/\/www.avafin.es\/ca\/credits\/en-linia\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>cr\u00e8dits en l\u00ednia<\/strong><\/a> per <strong>quantitats majors<\/strong> i <strong>terminis de devoluci\u00f3 m\u00e9s c\u00f2modes<\/strong>, conforme vagis demostrant la teva confian\u00e7a.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Et <strong>ajudem<\/strong> financerament cada vegada que ho necessitis i gratifiquem el teu <strong>fidelitat<\/strong>!&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"%C2%BFNecesitas_liquidez_hoy_mismo\"><\/span>Necessites liquiditat avui mateix?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Obtingues-ho avui amb AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>En este post vamos a abordar qu\u00e9 es el historial crediticio, c\u00f3mo se conforma y la influencia que puede llegar a tener en tus planes financieros a la hora de, por ejemplo, solicitar pr\u00e9stamos de cualquier tipo. Adem\u00e1s, veremos la manera de averiguar tu historial de cr\u00e9dito, qu\u00e9 pasa si no lo tienes y si [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":5076,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[23,21],"tags":[],"class_list":["post-5075","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacion-financiera","category-prestamo"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 es el historial crediticio y c\u00f3mo influye? | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Explicamos el historial de cr\u00e9dito, un indicador b\u00e1sico para acceder a pr\u00e9stamos, tarjetas o financiaciones.\" \/>\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.avafin.es\/ca\/bloc\/que-es-lhistorial-creditici\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 es el historial crediticio y c\u00f3mo influye? 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