{"id":3114,"date":"2025-03-11T17:37:52","date_gmt":"2025-03-11T20:37:52","guid":{"rendered":"https:\/\/saiunojornal.com.br\/?p=3114"},"modified":"2025-03-11T17:37:52","modified_gmt":"2025-03-11T20:37:52","slug":"score-de-credito","status":"publish","type":"post","link":"https:\/\/saiunojornal.com.br\/es\/score-de-credito\/","title":{"rendered":"Puntuaci\u00f3n de cr\u00e9dito: qu\u00e9 es, c\u00f3mo funciona y c\u00f3mo se punt\u00faa"},"content":{"rendered":"<p data-pm-slice=\"1 1 []\">El Credit Score es una puntuaci\u00f3n que refleja todo el historial financiero de una persona. En t\u00e9rminos simplificados, se refiere a la puntuaci\u00f3n que se atribuye al consumidor en funci\u00f3n de su relaci\u00f3n con las compras, los gastos y las transacciones financieras en general. El Score es calculado por entidades de protecci\u00f3n al cr\u00e9dito como SPC Brasil, Serasa y Boa Vista y puede variar de 0 a 1000 puntos.<\/p> <p data-pm-slice=\"1 1 []\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-3115 size-full\" src=\"https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/score-cpf-1024x542-1.jpg\" alt=\"\" width=\"1024\" height=\"542\" srcset=\"https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/score-cpf-1024x542-1.jpg 1024w, https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/score-cpf-1024x542-1-300x159.jpg 300w, https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/score-cpf-1024x542-1-768x407.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p> <p data-pm-slice=\"1 1 []\">Esta puntuaci\u00f3n, a su vez, es la base para que una entidad financiera asuma que un consumidor es o no un riesgo cuando solicita un cr\u00e9dito. As\u00ed, cuanto m\u00e1s alta es la puntuaci\u00f3n, m\u00e1s probable es que el consumidor reciba un cr\u00e9dito con condiciones favorables, como plazos m\u00e1s largos y tipos de inter\u00e9s bajos, ya que se supone que paga sus facturas a tiempo y tiene una salud financiera positiva.<\/p> <p data-pm-slice=\"1 1 []\">En este sentido, mantener una puntuaci\u00f3n alta es importante, ya que facilita la contrataci\u00f3n de pr\u00e9stamos, tarjetas de cr\u00e9dito y grandes compras a plazos, y es una excelente ayuda en el d\u00eda a d\u00eda de los consumidores en general.<\/p> <p>V\u00e9ase tambi\u00e9n: <a class=\"row-title\" href=\"https:\/\/saiunojornal.com.br\/wp-admin\/post.php?post=3092&amp&action=edit\" aria-label=\"\u201cFondos internacionales: \u00bfc\u00f3mo diversificar e invertir los activos?\u201d (Editar)\">Fondos internacionales: \u00bfc\u00f3mo diversificar e invertir?<\/a><\/p> <h2><strong>\u00bfC\u00f3mo se calcula la puntuaci\u00f3n de cr\u00e9dito?<\/strong><\/h2> <p>La Puntuaci\u00f3n de Cr\u00e9dito se calcula mediante un algoritmo, que tiene en cuenta determinados datos, como:<\/p> <ul> <li>Historial de pagos<\/li> <\/ul> <p>Pagar sus facturas a tiempo favorece el aumento de su puntuaci\u00f3n. En cambio, los impagos y los retrasos repercuten negativamente en su puntuaci\u00f3n.<\/p> <ul> <li>Endeudamiento<\/li> <\/ul> <p>En caso de mucha deuda acumulada, la puntuaci\u00f3n baja, ya que los acreedores tienden a asociarla con un mayor riesgo.<\/p> <ul> <li>Historial de cr\u00e9dito<\/li> <\/ul> <p>La confianza en las instituciones financieras es directamente proporcional a la duraci\u00f3n del buen historial financiero de un consumidor, y es un indicador importante de la solvencia crediticia.<\/p> <ul> <li>Consulta CPF<\/li> <\/ul> <p>Varias consultas del CPF en un corto periodo de tiempo pueden indicar riesgo, ya que tiende a parecer que el consumidor busca cr\u00e9dito con frecuencia.<\/p> <ul> <li>Cr\u00e9dito Variedad<\/li> <\/ul> <p>Tener varios tipos de cr\u00e9dito, como financiaci\u00f3n, tarjetas y pr\u00e9stamos, tiende a mostrar irresponsabilidad y falta de control financiero.<\/p> <p><img decoding=\"async\" class=\"aligncenter wp-image-3116 size-full\" src=\"https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/images-95.jpg\" alt=\"\" width=\"284\" height=\"177\" \/><\/p> <h2><strong>C\u00f3mo comprobar su puntuaci\u00f3n crediticia y los intervalos de puntuaci\u00f3n<\/strong><\/h2> <p>El proceso de verificaci\u00f3n de su puntuaci\u00f3n de cr\u00e9dito es sencillo y gratuito. Puede acceder a las plataformas de Serasa o SPC Brasil, o utilizar la aplicaci\u00f3n de estas dos organizaciones de protecci\u00f3n del cr\u00e9dito. Todo lo que tienes que hacer es registrarte y comprobar tu puntuaci\u00f3n.<\/p> <p>La puntuaci\u00f3n se establece dentro del siguiente rango y con los siguientes riesgos para las entidades financieras:<\/p> <ul data-spread=\"false\"> <li><strong>De 0 a 300 puntos<\/strong> - Alto riesgo de impago<\/li> <li><strong>301 a 500 puntos<\/strong> - Riesgo medio-alto<\/li> <li><strong>501 a 700 puntos<\/strong> - Riesgo medio<\/li> <li><strong>De 701 a 900 puntos<\/strong> - Buena puntuaci\u00f3n, bajo riesgo<\/li> <li><strong>901 a 1000 puntos<\/strong> - Puntuaci\u00f3n excelente, riesgo muy bajo<\/li> <\/ul> <p><img decoding=\"async\" class=\"aligncenter wp-image-3117 size-large\" src=\"https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/Aumentar-Score-de-credito-2019-1024x497.webp\" alt=\"\" width=\"1024\" height=\"497\" srcset=\"https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/Aumentar-Score-de-credito-2019-1024x497.webp 1024w, https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/Aumentar-Score-de-credito-2019-300x146.webp 300w, https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/Aumentar-Score-de-credito-2019-768x372.webp 768w, https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/Aumentar-Score-de-credito-2019-1536x745.webp 1536w, https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/Aumentar-Score-de-credito-2019.webp 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p> <h2><strong>Mejore su puntuaci\u00f3n crediticia<\/strong><\/h2> <p>Para mejorar su <strong>Puntuaci\u00f3n de cr\u00e9dito<\/strong> y obtener as\u00ed ventajas de compra, es preciso adoptar una serie de medidas:<\/p> <ul> <li>Pagar las facturas a tiempo<\/li> <\/ul> <p>El pago puntual de facturas en general, como recibos y pr\u00e9stamos, es esencial para garantizar una buena puntuaci\u00f3n.<\/p> <ul> <li>Renegociar deudas<\/li> <\/ul> <p>Si tiene deudas pendientes, intente renegociarlas con sus acreedores y, a partir de ah\u00ed, mant\u00e9ngase al d\u00eda en sus pagos.<\/p> <ul> <li>Evita las consultas del CPF<\/li> <\/ul> <p>Pedir y solicitar cr\u00e9ditos repetidamente en un corto espacio de tiempo tiende a poner en peligro significativamente su puntuaci\u00f3n.<\/p> <ul> <li>Mantener una buena relaci\u00f3n con los bancos<\/li> <\/ul> <p>Utilizar los servicios bancarios de forma responsable y tener cuentas bancarias activas, esto influir\u00e1 en una mayor puntuaci\u00f3n.<\/p> <ul> <li>Actualice sus datos<\/li> <\/ul> <p>Aseg\u00farese de mantener actualizados sus datos de registro para que su puntuaci\u00f3n refleje fielmente su situaci\u00f3n financiera.<\/p> <p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-3118 size-full\" src=\"https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/tabela-de-score-de-credito_1_13344.webp\" alt=\"\" width=\"790\" height=\"395\" srcset=\"https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/tabela-de-score-de-credito_1_13344.webp 790w, https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/tabela-de-score-de-credito_1_13344-300x150.webp 300w, https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/tabela-de-score-de-credito_1_13344-768x384.webp 768w\" sizes=\"(max-width: 790px) 100vw, 790px\" \/><\/p> <p>Por \u00faltimo, el <strong>puntuaci\u00f3n de cr\u00e9dito<\/strong> es, de hecho, un reflejo de su salud financiera y, por tanto, influye directamente en todas sus oportunidades de cr\u00e9dito. Por lo tanto, trate de mantener una buena puntuaci\u00f3n para tener acceso a buenos beneficios.<\/p> <p>Lea tambi\u00e9n: <a class=\"row-title\" href=\"https:\/\/saiunojornal.com.br\/wp-admin\/post.php?post=3072&amp&action=edit\" aria-label=\"\u201cValue Investing: \u00bfCu\u00e1l es la estrategia y c\u00f3mo utilizarla?\u201d (Editar)\">Value Investing: \u00bfCu\u00e1l es la estrategia y c\u00f3mo utilizarla?<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>El Credit Score es una puntuaci\u00f3n que refleja todo el historial financiero de una persona. En t\u00e9rminos simplificados, se refiere a la puntuaci\u00f3n que se atribuye al consumidor en funci\u00f3n de su relaci\u00f3n con las compras, los gastos y las transacciones financieras en general. La Puntuaci\u00f3n es calculada por agencias de protecci\u00f3n del cr\u00e9dito como ... <a title=\"Puntuaci\u00f3n de cr\u00e9dito: qu\u00e9 es, c\u00f3mo funciona y c\u00f3mo se punt\u00faa\" class=\"read-more\" href=\"https:\/\/saiunojornal.com.br\/es\/score-de-credito\/\" aria-label=\"Leer m\u00e1s sobre Score de Cr\u00e9dito: O Que \u00e9, Funcionamento e Pontua\u00e7\u00e3o\">Seguir leyendo<\/a><\/p>","protected":false},"author":4,"featured_media":3120,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[443],"tags":[],"class_list":["post-3114","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cartoes-de-credito"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Score de Cr\u00e9dito: O Que \u00e9, Funcionamento e Pontua\u00e7\u00e3o<\/title>\n<meta name=\"description\" content=\"O Score de Cr\u00e9dito \u00e9 uma pontua\u00e7\u00e3o que traduz todo o hist\u00f3rico financeiro de um cidad\u00e3o e oferece excelentes condi\u00e7\u00f5es de cr\u00e9dito.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/saiunojornal.com.br\/es\/score-de-credito\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Score de Cr\u00e9dito: O Que \u00e9, Funcionamento e Pontua\u00e7\u00e3o\" \/>\n<meta property=\"og:description\" content=\"O Score de Cr\u00e9dito \u00e9 uma pontua\u00e7\u00e3o que traduz todo o hist\u00f3rico financeiro de um cidad\u00e3o e oferece excelentes condi\u00e7\u00f5es de cr\u00e9dito.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/saiunojornal.com.br\/es\/score-de-credito\/\" \/>\n<meta property=\"og:site_name\" content=\"Saiu no Jornal\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-11T20:37:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/score-de-credito-scaled.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1553\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Laura Coelho\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/score-de-credito\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/score-de-credito\\\/\"},\"author\":{\"name\":\"Laura Coelho\",\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/#\\\/schema\\\/person\\\/6220cc4e0d967ddfc757e4390f88b1ac\"},\"headline\":\"Score de Cr\u00e9dito: O Que \u00e9, Funcionamento e Pontua\u00e7\u00e3o\",\"datePublished\":\"2025-03-11T20:37:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/score-de-credito\\\/\"},\"wordCount\":691,\"image\":{\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/score-de-credito\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/saiunojornal.com.br\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/score-de-credito-scaled.webp\",\"articleSection\":[\"Cart\u00f5es de Cr\u00e9dito\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/score-de-credito\\\/\",\"url\":\"https:\\\/\\\/saiunojornal.com.br\\\/score-de-credito\\\/\",\"name\":\"Score de Cr\u00e9dito: O Que \u00e9, Funcionamento e Pontua\u00e7\u00e3o\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/score-de-credito\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/score-de-credito\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/saiunojornal.com.br\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/score-de-credito-scaled.webp\",\"datePublished\":\"2025-03-11T20:37:52+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/#\\\/schema\\\/person\\\/6220cc4e0d967ddfc757e4390f88b1ac\"},\"description\":\"O Score de Cr\u00e9dito \u00e9 uma pontua\u00e7\u00e3o que traduz todo o hist\u00f3rico financeiro de um cidad\u00e3o e oferece excelentes condi\u00e7\u00f5es de cr\u00e9dito.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/score-de-credito\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/saiunojornal.com.br\\\/score-de-credito\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/score-de-credito\\\/#primaryimage\",\"url\":\"https:\\\/\\\/saiunojornal.com.br\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/score-de-credito-scaled.webp\",\"contentUrl\":\"https:\\\/\\\/saiunojornal.com.br\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/score-de-credito-scaled.webp\",\"width\":2560,\"height\":1553},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/score-de-credito\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"In\u00edcio\",\"item\":\"https:\\\/\\\/saiunojornal.com.br\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Score de Cr\u00e9dito: O Que \u00e9, Funcionamento e Pontua\u00e7\u00e3o\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/#website\",\"url\":\"https:\\\/\\\/saiunojornal.com.br\\\/\",\"name\":\"Saiu no Jornal\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/saiunojornal.com.br\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/saiunojornal.com.br\\\/#\\\/schema\\\/person\\\/6220cc4e0d967ddfc757e4390f88b1ac\",\"name\":\"Laura Coelho\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/628c3428425e8cfdff1736cc6cbc5b2b72fab44f87a0f6d5824976d818c737b9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/628c3428425e8cfdff1736cc6cbc5b2b72fab44f87a0f6d5824976d818c737b9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/628c3428425e8cfdff1736cc6cbc5b2b72fab44f87a0f6d5824976d818c737b9?s=96&d=mm&r=g\",\"caption\":\"Laura Coelho\"},\"url\":\"https:\\\/\\\/saiunojornal.com.br\\\/es\\\/author\\\/laura\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Puntuaci\u00f3n de cr\u00e9dito: qu\u00e9 es, c\u00f3mo funciona y c\u00f3mo se punt\u00faa","description":"O Score de Cr\u00e9dito \u00e9 uma pontua\u00e7\u00e3o que traduz todo o hist\u00f3rico financeiro de um cidad\u00e3o e oferece excelentes condi\u00e7\u00f5es de cr\u00e9dito.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/saiunojornal.com.br\/es\/score-de-credito\/","og_locale":"es_ES","og_type":"article","og_title":"Score de Cr\u00e9dito: O Que \u00e9, Funcionamento e Pontua\u00e7\u00e3o","og_description":"O Score de Cr\u00e9dito \u00e9 uma pontua\u00e7\u00e3o que traduz todo o hist\u00f3rico financeiro de um cidad\u00e3o e oferece excelentes condi\u00e7\u00f5es de cr\u00e9dito.","og_url":"https:\/\/saiunojornal.com.br\/es\/score-de-credito\/","og_site_name":"Saiu no Jornal","article_published_time":"2025-03-11T20:37:52+00:00","og_image":[{"width":2560,"height":1553,"url":"https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/score-de-credito-scaled.webp","type":"image\/webp"}],"author":"Laura Coelho","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":false,"Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/saiunojornal.com.br\/score-de-credito\/#article","isPartOf":{"@id":"https:\/\/saiunojornal.com.br\/score-de-credito\/"},"author":{"name":"Laura Coelho","@id":"https:\/\/saiunojornal.com.br\/#\/schema\/person\/6220cc4e0d967ddfc757e4390f88b1ac"},"headline":"Score de Cr\u00e9dito: O Que \u00e9, Funcionamento e Pontua\u00e7\u00e3o","datePublished":"2025-03-11T20:37:52+00:00","mainEntityOfPage":{"@id":"https:\/\/saiunojornal.com.br\/score-de-credito\/"},"wordCount":691,"image":{"@id":"https:\/\/saiunojornal.com.br\/score-de-credito\/#primaryimage"},"thumbnailUrl":"https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/score-de-credito-scaled.webp","articleSection":["Cart\u00f5es de Cr\u00e9dito"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/saiunojornal.com.br\/score-de-credito\/","url":"https:\/\/saiunojornal.com.br\/score-de-credito\/","name":"Puntuaci\u00f3n de cr\u00e9dito: qu\u00e9 es, c\u00f3mo funciona y c\u00f3mo se punt\u00faa","isPartOf":{"@id":"https:\/\/saiunojornal.com.br\/#website"},"primaryImageOfPage":{"@id":"https:\/\/saiunojornal.com.br\/score-de-credito\/#primaryimage"},"image":{"@id":"https:\/\/saiunojornal.com.br\/score-de-credito\/#primaryimage"},"thumbnailUrl":"https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/score-de-credito-scaled.webp","datePublished":"2025-03-11T20:37:52+00:00","author":{"@id":"https:\/\/saiunojornal.com.br\/#\/schema\/person\/6220cc4e0d967ddfc757e4390f88b1ac"},"description":"O Score de Cr\u00e9dito \u00e9 uma pontua\u00e7\u00e3o que traduz todo o hist\u00f3rico financeiro de um cidad\u00e3o e oferece excelentes condi\u00e7\u00f5es de cr\u00e9dito.","breadcrumb":{"@id":"https:\/\/saiunojornal.com.br\/score-de-credito\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/saiunojornal.com.br\/score-de-credito\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/saiunojornal.com.br\/score-de-credito\/#primaryimage","url":"https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/score-de-credito-scaled.webp","contentUrl":"https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/score-de-credito-scaled.webp","width":2560,"height":1553},{"@type":"BreadcrumbList","@id":"https:\/\/saiunojornal.com.br\/score-de-credito\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"In\u00edcio","item":"https:\/\/saiunojornal.com.br\/"},{"@type":"ListItem","position":2,"name":"Score de Cr\u00e9dito: O Que \u00e9, Funcionamento e Pontua\u00e7\u00e3o"}]},{"@type":"WebSite","@id":"https:\/\/saiunojornal.com.br\/#website","url":"https:\/\/saiunojornal.com.br\/","name":"Apareci\u00f3 en el peri\u00f3dico","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/saiunojornal.com.br\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/saiunojornal.com.br\/#\/schema\/person\/6220cc4e0d967ddfc757e4390f88b1ac","name":"Laura Coelho","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/628c3428425e8cfdff1736cc6cbc5b2b72fab44f87a0f6d5824976d818c737b9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/628c3428425e8cfdff1736cc6cbc5b2b72fab44f87a0f6d5824976d818c737b9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/628c3428425e8cfdff1736cc6cbc5b2b72fab44f87a0f6d5824976d818c737b9?s=96&d=mm&r=g","caption":"Laura Coelho"},"url":"https:\/\/saiunojornal.com.br\/es\/author\/laura\/"}]}},"jetpack_featured_media_url":"https:\/\/saiunojornal.com.br\/wp-content\/uploads\/2025\/03\/score-de-credito-scaled.webp","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/saiunojornal.com.br\/es\/wp-json\/wp\/v2\/posts\/3114","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/saiunojornal.com.br\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/saiunojornal.com.br\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/saiunojornal.com.br\/es\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/saiunojornal.com.br\/es\/wp-json\/wp\/v2\/comments?post=3114"}],"version-history":[{"count":1,"href":"https:\/\/saiunojornal.com.br\/es\/wp-json\/wp\/v2\/posts\/3114\/revisions"}],"predecessor-version":[{"id":3121,"href":"https:\/\/saiunojornal.com.br\/es\/wp-json\/wp\/v2\/posts\/3114\/revisions\/3121"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/saiunojornal.com.br\/es\/wp-json\/wp\/v2\/media\/3120"}],"wp:attachment":[{"href":"https:\/\/saiunojornal.com.br\/es\/wp-json\/wp\/v2\/media?parent=3114"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/saiunojornal.com.br\/es\/wp-json\/wp\/v2\/categories?post=3114"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/saiunojornal.com.br\/es\/wp-json\/wp\/v2\/tags?post=3114"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}