{"id":26697,"date":"2025-09-28T05:18:47","date_gmt":"2025-09-28T09:18:47","guid":{"rendered":"https:\/\/nuevaonda.com\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/"},"modified":"2025-04-08T06:20:34","modified_gmt":"2025-04-08T06:20:34","slug":"a-valuable-guide-for-latinos-how-to-improve-your-credit-score","status":"publish","type":"post","link":"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/","title":{"rendered":"A valuable guide for Latinos: How to improve your credit score"},"content":{"rendered":"

Credit is the key that opens doors to financial opportunities in the United States, says Experian, one of the most recognized credit bureaus. For the Hispanic community, a good credit score not only makes it easier to buy a house or a car, but also influences interest rates, access to loans and even job opportunities.<\/p>\n

According to the Consumer Financial Protection Bureau<\/a> (CFPB), a credit score below 670 can mean paying thousands of dollars extra in interest. That’s money that could be in your pocket! The good news is that improving your credit score is possible with clear and effective steps. QueOnnda.com<\/a> presents a practical, expert-backed guide for you to take control of your financial history and move toward your goals.<\/p>\n

<\/h2>\n

1. Check your credit report<\/h2>\n
\"\"
PHOTO: Envato<\/figcaption><\/figure>\n

Before you can improve your credit score, you need to know where you stand.<\/p>\n

You can get one free report a year at AnnualCreditReport.com, recommended by the Federal Trade Commission (FTC).<\/p>\n

Identify errors and report them immediately – a small mistake could be costing you a lot!<\/p>\n

2. Pay on time, every time<\/h2>\n
\"credit
PHOTO: Envato<\/figcaption><\/figure>\n

Payment history accounts for 35% of your credit score, according to FICO.<\/p>\n

Set reminders or set up automatic payments.<\/p>\n

Even one late payment can reduce your score drastically. Remember: punctuality pays, big time.<\/p>\n

Improving your credit score is possible with clear and effective steps<\/p>QueOnnda.com<\/cite><\/blockquote><\/figure>\n

3. Reduce your credit usage<\/h2>\n
\"\"
PHOTO: Envato<\/figcaption><\/figure>\n

Keep your credit utilization below 30%.<\/p>\n

For example, if your limit is $1,000, try to use less than $300.<\/p>\n

According to Experian, reducing this percentage can have an immediate positive impact on your credit score.<\/p>\n

4. Do not open too many accounts<\/h2>\n
\"credit
PHOTO: Envato<\/figcaption><\/figure>\n

Each application generates an inquiry that may temporarily lower your credit score.<\/p>\n

According to Equifax, opening multiple accounts in a short period of time is a risky signal to lenders.<\/p>\n

Apply for credit only when you really need it.<\/p>\n

5. Keep open accounts<\/h2>\n
\"\"
PHOTO: Envato<\/figcaption><\/figure>\n

Length of credit history accounts for 15% of the score, says FICO.<\/p>\n

If you have old cards with no balance, keep them open. This shows financial stability and responsibility.<\/p>\n\n

Improving your credit score is not a luxury, it’s a necessity.<\/p>\n

With information backed by FICO, Experian and the CFPB, you have tools and strategies at your fingertips to increase your financial score.<\/p>\n

Good credit opens doors – from lower interest rates to greater economic opportunities.<\/p>\n","protected":false},"excerpt":{"rendered":"

Credit is the key that opens doors to financial opportunities in the United States, says Experian, one of the most recognized credit bureaus. For the Hispanic community, a good credit score not only makes it easier to buy a house or a car, but also influences interest rates, access to loans and even job opportunities. […]<\/p>\n","protected":false},"author":8,"featured_media":9700,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[54,146],"tags":[489],"class_list":["post-26697","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economy","category-personal-finances","tag-economy"],"yoast_head":"\nCredit score: how to improve<\/title>\n<meta name=\"description\" content=\"Learn how to improve your credit score quickly and effectively with practical, easy-to-follow steps. Discover key financial tips\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A valuable guide for Latinos: How to improve your credit score\" \/>\n<meta property=\"og:description\" content=\"Learn how to improve your credit score quickly and effectively with practical, easy-to-follow steps. Discover key financial tips\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/\" \/>\n<meta property=\"og:site_name\" content=\"QueOnnda\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/web.facebook.com\/queonnda.nueva\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/carlosfernando.rodriguezaguilera\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-28T09:18:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/nuevaonda.com\/wp-content\/uploads\/2025\/02\/puntaje-crediticio-5.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Carlos Rodr\u00edguez\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Carlos Rodr\u00edguez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/en\\\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/en\\\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\\\/\"},\"author\":{\"name\":\"Carlos Rodr\u00edguez\",\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/#\\\/schema\\\/person\\\/71af12bf2f89e8fab97ae3da19bf214f\"},\"headline\":\"A valuable guide for Latinos: How to improve your credit score\",\"datePublished\":\"2025-09-28T09:18:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/en\\\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\\\/\"},\"wordCount\":448,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/en\\\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/nuevaonda.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/puntaje-crediticio-5.jpg\",\"keywords\":[\"economy\"],\"articleSection\":[\"Economy\",\"Personal finances\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/nuevaonda.com\\\/en\\\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\\\/#respond\"]}],\"copyrightYear\":\"2025\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/en\\\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\\\/\",\"url\":\"https:\\\/\\\/nuevaonda.com\\\/en\\\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\\\/\",\"name\":\"Credit score: how to improve\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/en\\\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/en\\\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/nuevaonda.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/puntaje-crediticio-5.jpg\",\"datePublished\":\"2025-09-28T09:18:47+00:00\",\"description\":\"Learn how to improve your credit score quickly and effectively with practical, easy-to-follow steps. Discover key financial tips\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/en\\\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/nuevaonda.com\\\/en\\\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/en\\\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\\\/#primaryimage\",\"url\":\"https:\\\/\\\/nuevaonda.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/puntaje-crediticio-5.jpg\",\"contentUrl\":\"https:\\\/\\\/nuevaonda.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/puntaje-crediticio-5.jpg\",\"width\":1200,\"height\":800,\"caption\":\"Closeup Asian businesswoman in casual suit hand holding the credit card mockup for online shopping in modern office, business and lifestyle concept\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/en\\\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/nuevaonda.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"A valuable guide for Latinos: How to improve your credit score\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/#website\",\"url\":\"https:\\\/\\\/nuevaonda.com\\\/\",\"name\":\"QueOnnda\",\"description\":\"Plataforma audio-digital sin precedentes que revolucionar\u00e1 la forma en que las audiencias latinas interact\u00faan con los medios\",\"publisher\":{\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/nuevaonda.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/#organization\",\"name\":\"QueOnnda\",\"url\":\"https:\\\/\\\/nuevaonda.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/nuevaonda.com\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Logo_QueOnnda_Color.svg\",\"contentUrl\":\"https:\\\/\\\/nuevaonda.com\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Logo_QueOnnda_Color.svg\",\"width\":651,\"height\":103,\"caption\":\"QueOnnda\"},\"image\":{\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/web.facebook.com\\\/queonnda.nueva\",\"https:\\\/\\\/www.instagram.com\\\/queonnda.nueva\\\/\",\"https:\\\/\\\/www.youtube.com\\\/@queonnda\",\"https:\\\/\\\/tiktok.com\\\/@queonnda.nueva\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/nuevaonda.com\\\/#\\\/schema\\\/person\\\/71af12bf2f89e8fab97ae3da19bf214f\",\"name\":\"Carlos Rodr\u00edguez\",\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/carlosfernando.rodriguezaguilera\\\/\",\"https:\\\/\\\/www.instagram.com\\\/rodriguezaguilera11\\\/\"],\"url\":\"https:\\\/\\\/nuevaonda.com\\\/en\\\/author\\\/carlos-rodriguez\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Credit score: how to improve","description":"Learn how to improve your credit score quickly and effectively with practical, easy-to-follow steps. Discover key financial tips","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:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/","og_locale":"en_US","og_type":"article","og_title":"A valuable guide for Latinos: How to improve your credit score","og_description":"Learn how to improve your credit score quickly and effectively with practical, easy-to-follow steps. Discover key financial tips","og_url":"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/","og_site_name":"QueOnnda","article_publisher":"https:\/\/web.facebook.com\/queonnda.nueva","article_author":"https:\/\/www.facebook.com\/carlosfernando.rodriguezaguilera\/","article_published_time":"2025-09-28T09:18:47+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/nuevaonda.com\/wp-content\/uploads\/2025\/02\/puntaje-crediticio-5.jpg","type":"image\/jpeg"}],"author":"Carlos Rodr\u00edguez","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Carlos Rodr\u00edguez","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/#article","isPartOf":{"@id":"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/"},"author":{"name":"Carlos Rodr\u00edguez","@id":"https:\/\/nuevaonda.com\/#\/schema\/person\/71af12bf2f89e8fab97ae3da19bf214f"},"headline":"A valuable guide for Latinos: How to improve your credit score","datePublished":"2025-09-28T09:18:47+00:00","mainEntityOfPage":{"@id":"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/"},"wordCount":448,"commentCount":0,"publisher":{"@id":"https:\/\/nuevaonda.com\/#organization"},"image":{"@id":"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/#primaryimage"},"thumbnailUrl":"https:\/\/nuevaonda.com\/wp-content\/uploads\/2025\/02\/puntaje-crediticio-5.jpg","keywords":["economy"],"articleSection":["Economy","Personal finances"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/#respond"]}],"copyrightYear":"2025","copyrightHolder":{"@id":"https:\/\/nuevaonda.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/","url":"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/","name":"Credit score: how to improve","isPartOf":{"@id":"https:\/\/nuevaonda.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/#primaryimage"},"image":{"@id":"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/#primaryimage"},"thumbnailUrl":"https:\/\/nuevaonda.com\/wp-content\/uploads\/2025\/02\/puntaje-crediticio-5.jpg","datePublished":"2025-09-28T09:18:47+00:00","description":"Learn how to improve your credit score quickly and effectively with practical, easy-to-follow steps. Discover key financial tips","breadcrumb":{"@id":"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/#primaryimage","url":"https:\/\/nuevaonda.com\/wp-content\/uploads\/2025\/02\/puntaje-crediticio-5.jpg","contentUrl":"https:\/\/nuevaonda.com\/wp-content\/uploads\/2025\/02\/puntaje-crediticio-5.jpg","width":1200,"height":800,"caption":"Closeup Asian businesswoman in casual suit hand holding the credit card mockup for online shopping in modern office, business and lifestyle concept"},{"@type":"BreadcrumbList","@id":"https:\/\/nuevaonda.com\/en\/a-valuable-guide-for-latinos-how-to-improve-your-credit-score\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/nuevaonda.com\/en\/"},{"@type":"ListItem","position":2,"name":"A valuable guide for Latinos: How to improve your credit score"}]},{"@type":"WebSite","@id":"https:\/\/nuevaonda.com\/#website","url":"https:\/\/nuevaonda.com\/","name":"QueOnnda","description":"Plataforma audio-digital sin precedentes que revolucionar\u00e1 la forma en que las audiencias latinas interact\u00faan con los medios","publisher":{"@id":"https:\/\/nuevaonda.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/nuevaonda.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/nuevaonda.com\/#organization","name":"QueOnnda","url":"https:\/\/nuevaonda.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/nuevaonda.com\/#\/schema\/logo\/image\/","url":"https:\/\/nuevaonda.com\/wp-content\/uploads\/2025\/03\/Logo_QueOnnda_Color.svg","contentUrl":"https:\/\/nuevaonda.com\/wp-content\/uploads\/2025\/03\/Logo_QueOnnda_Color.svg","width":651,"height":103,"caption":"QueOnnda"},"image":{"@id":"https:\/\/nuevaonda.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/web.facebook.com\/queonnda.nueva","https:\/\/www.instagram.com\/queonnda.nueva\/","https:\/\/www.youtube.com\/@queonnda","https:\/\/tiktok.com\/@queonnda.nueva"]},{"@type":"Person","@id":"https:\/\/nuevaonda.com\/#\/schema\/person\/71af12bf2f89e8fab97ae3da19bf214f","name":"Carlos Rodr\u00edguez","sameAs":["https:\/\/www.facebook.com\/carlosfernando.rodriguezaguilera\/","https:\/\/www.instagram.com\/rodriguezaguilera11\/"],"url":"https:\/\/nuevaonda.com\/en\/author\/carlos-rodriguez\/"}]}},"_links":{"self":[{"href":"https:\/\/nuevaonda.com\/en\/wp-json\/wp\/v2\/posts\/26697","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nuevaonda.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nuevaonda.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nuevaonda.com\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/nuevaonda.com\/en\/wp-json\/wp\/v2\/comments?post=26697"}],"version-history":[{"count":0,"href":"https:\/\/nuevaonda.com\/en\/wp-json\/wp\/v2\/posts\/26697\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nuevaonda.com\/en\/wp-json\/wp\/v2\/media\/9700"}],"wp:attachment":[{"href":"https:\/\/nuevaonda.com\/en\/wp-json\/wp\/v2\/media?parent=26697"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nuevaonda.com\/en\/wp-json\/wp\/v2\/categories?post=26697"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nuevaonda.com\/en\/wp-json\/wp\/v2\/tags?post=26697"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}