¿Qué son las inyecciones de crédito?

Hispanicfactor¿Qué son las inyecciones de crédito?

Las inyecciones de crédito son la forma más inteligente y rápida de aumentar su puntaje de crédito en muchos casos, dependiendo del historial en particular.

Las inyecciones de crédito se efectúan al momento de agregar al cliente como usuario autorizado de una cuenta de crédito con buen historial de pago, lo cual le permite ” transferir ” a su propio historial una cuenta con buena reputación. Esto es posible porque los acreedores proporcionarán a las compañías de crédito todo el historial de la cuenta de crédito, que recibe el usuario autorizado. FICO® digiere este crédito recién agregado y recalcula su puntaje con mejoras drásticas.

El banco emisor informa el historial de crédito positivo, incluida la antigüedad de la cuenta, el límite de la línea comercial y el historial de pago positivo a Experian, TransUnion y / o Equifax.

El historial de pagos, la edad y el límite tienen un impacto directo en el modelo de puntaje de crédito FICO que afecta su índice de utilización, la edad promedio de crédito y el historial de pagos.

Imagine lo que sucederá cuando agreguemos $ 20,000 de crédito disponible con un historial de pagos perfecto de 10 años a su historial de crédito. ¡Su puntaje de crédito podría aumentar dramáticamente casi de la noche a la mañana!

Bank Name Card ID Credit Limit Date Opened Purchase By Date Reporting Date Stock Price
Chase 3819 12,500 2018 Feb Apr 24th May 4th - May 11th 1 $575
Bank Of America 3818 11,000 2017 Oct Apr 12th Apr 23rd - Apr 30th 1 $575
Chase 10039 32,000 2018 Mar Apr 23rd May 3rd - May 10th 1 $950
Bank Of America 10029 26,000 2017 May Apr 14th Apr 25th - May 1st 1 $775
Capital One 10018 15,000 2018 May Apr 23rd May 3rd - May 10th 2 $600
Capital One 10007 8,500 2014 Jan Apr 9th Apr 20th - Apr 27th 2 $700
Chase 9996 8,000 2011 Jun Apr 8th Apr 19th - Apr 26th 2 $775
Chase 9985 8,800 2014 Dec Apr 13th Apr 24th - May 1st 1 $675
Chase 9984 10,500 2016 Mar Apr 6th Apr 17th - Apr 24th 2 $650
Barclays 9983 12,000 2018 Mar Apr 14th Apr 25th - May 1st 3 $575
Chase 9961 46,745 2011 Mar Apr 8th Apr 19th - Apr 26th 2 $1250
Barclays 6897 16,900 2014 Apr Mar 31st Apr 11th - Apr 18th 1 $775
Chase 9875 10,800 2008 May Apr 12th Apr 23rd - Apr 30th 2 $900
Barclays 9949 5,950 2014 Apr Apr 6th Apr 17th - Apr 24th 6 $650
Chase 9909 6,900 2011 Jul Apr 6th Apr 17th - Apr 24th 1 $700
Elan 9895 10,000 2013 Jul Apr 17th Apr 28th - May 4th 2 $725
Barclays 3170 40,000 2019 Sep Apr 14th Apr 25th - May 1st 2 $750
Elan 9884 10,000 2011 Jan Apr 17th Apr 28th - May 4th 1 $850
Chase 9853 12,000 2008 Apr Apr 8th Apr 19th - Apr 26th 2 $900
Chase 9831 29,300 2012 Feb Apr 3rd Apr 14th - Apr 21st 1 $1000
Capital One 9820 30,000 2017 Feb Apr 11th Apr 22nd - Apr 29th 1 $850
Chase 9751 5,600 2005 Dec Apr 8th Apr 19th - Apr 26th 1 $850
Barclays 9728 18,600 2014 Feb Apr 2nd Apr 13th - Apr 20th 2 $775
Chase 9694 33,000 2018 Feb Apr 5th Apr 16th - Apr 23rd 2 $775
Chase 9598 50,000 2016 Sep Apr 16th Apr 27th - May 3rd 1 $1100
Chase 9498 11,200 2018 Apr Apr 23rd May 3rd - May 10th 1 $575
Barclays 9455 23,000 2018 Mar Apr 24th May 4th - May 11th 2 $725
Barclays 8476 22,500 2015 May Apr 5th Apr 16th - Apr 23rd 3 $775
Barclays 9211 10,700 2014 Feb Apr 2nd Apr 13th - Apr 20th 2 $725
Discover 9178 16,500 2014 Jun Apr 16th Apr 27th - May 3rd 1 $750
Discover 9167 11,500 2012 Aug Apr 23rd May 3rd - May 10th 2 $800
Barclays 9165 20,000 2018 Jan Apr 5th Apr 16th - Apr 23rd 2 $725
Barclays 9131 20,800 2017 Sep Apr 27th May 7th - May 14th 3 $725
Chase 9119 27,600 2016 Sep Apr 5th Apr 16th - Apr 23rd 1 $775
Barclays 9087 16,400 2006 Sep Apr 24th May 4th - May 11th 1 $950
Barclays 1376 12,000 2018 Jan Apr 16th Apr 27th - May 3rd 3 $575
Discover 9008 7,500 2007 Nov Apr 9th Apr 20th - Apr 27th 2 $825
Chase 8954 26,500 2018 Dec Apr 22nd May 2nd - May 9th 2 $675
Barclays 8849 10,000 2015 Feb Apr 7th Apr 18th - Apr 25th 4 $700
Discover 8651 21,200 2012 May Apr 23rd May 3rd - May 10th 1 $900
Chase 8869 40,800 2017 Mar Apr 26th May 6th - May 13th 1 $950
Barclays 8760 20,000 2016 Sep Apr 2nd Apr 13th - Apr 20th 3 $725
Capital One 8812 5,150 2006 Sep Apr 22nd May 2nd - May 9th 1 $800
Chase 8770 20,000 2011 Jul Apr 16th Apr 27th - May 3rd 2 $950
Chase 5114 8,250 2007 Apr Apr 6th Apr 17th - Apr 24th 1 $825
Barclays 3567 25,000 2017 Dec Apr 26th May 6th - May 13th 2 $750
Capital One 6927 10,250 2006 Aug Apr 22nd May 2nd - May 9th 1 $925
Barclays 8510 11,000 2010 Jul Mar 31st Apr 11th - Apr 18th 1 $850
Chase 8387 25,000 2016 Mar Apr 23rd May 3rd - May 10th 1 $775
Barclays 3616 12,500 2007 Sep Apr 24th May 4th - May 11th 1 $925
Barclays 8356 20,000 2015 Feb Mar 31st Apr 11th - Apr 18th 1 $775
Barclays 3532 7,500 2014 Sep Apr 9th Apr 20th - Apr 27th 2 $650
Barclays 8325 20,000 2017 Nov Apr 2nd Apr 13th - Apr 20th 6 $725
Capital One 8312 14,500 2006 Jun Apr 14th Apr 25th - May 1st 1 $950
Capital One 8158 7,500 2014 May Apr 6th Apr 17th - Apr 24th 1 $675
Chase 8113 21,600 2017 Aug Apr 22nd May 2nd - May 9th 1 $725
Elan 8098 16,000 2013 Dec Apr 18th Apr 29th - May 5th 1 $800
Capital One 8018 13,000 2015 Oct Apr 9th Apr 20th - Apr 27th 1 $650
Discover 7884 13,000 2010 Feb Apr 7th Apr 18th - Apr 25th 1 $900
Barclays 7787 9,630 2013 Jan Apr 9th Apr 20th - Apr 27th 5 $750
Barclays 7703 22,500 2017 May Apr 25th May 5th - May 12th 3 $725
Discover 7692 14,700 2016 Apr Apr 27th May 7th - May 14th 1 $600
Chase 7665 12,400 2016 Mar Apr 14th Apr 25th - May 1st 2 $600
Chase 6507 27,000 2014 Oct Apr 10th Apr 21st - Apr 28th 2 $925
Capital One 7328 7,500 2009 Aug Apr 24th May 4th - May 11th 1 $825
Barclays 7136 25,000 2012 Dec Apr 9th Apr 20th - Apr 27th 1 $975
Chase 7090 20,000 2014 Nov Apr 1st Apr 12th - Apr 19th 1 $950
Chase 7030 16,000 2013 Dec Apr 5th Apr 16th - Apr 23rd 1 $800
Discover 6980 20,000 2017 Apr Apr 25th May 5th - May 12th 1 $725
Chase 6947 21,500 2009 May Apr 3rd Apr 14th - Apr 21st 1 $1050
Discover 6861 20,000 2014 Jan Apr 6th Apr 17th - Apr 24th 1 $850
Barclays 6761 18,800 2013 Dec Apr 14th Apr 25th - May 1st 3 $800
Barclays 6758 11,000 2014 Dec Apr 5th Apr 16th - Apr 23rd 3 $700
Discover 6704 10,100 2013 Jan Apr 24th May 4th - May 11th 1 $800
Barclays 6673 10,000 2009 Oct Apr 13th Apr 24th - May 1st 1 $850
Chase 6459 25,000 2016 Mar Apr 16th Apr 27th - May 3rd 1 $775
Barclays 2669 20,000 2017 Feb Apr 24th May 4th - May 11th 1 $725
Chase 5008 18,000 2008 Jan Apr 23rd May 3rd - May 10th 1 $950
Barclays 6348 10,300 2013 Sep Apr 25th May 5th - May 12th 2 $775
Capital One 6338 10,000 2014 Sep Apr 2nd Apr 13th - Apr 20th 1 $750
Barclays 6227 11,000 2016 Dec Apr 16th Apr 27th - May 3rd 1 $600
Barclays 6204 10,000 2008 Jan Apr 24th May 4th - May 11th 2 $900
Barclays 2861 21,000 2015 Dec Mar 31st Apr 11th - Apr 18th 3 $775
Barclays 3943 15,000 2016 Sep Apr 15th Apr 26th - May 2nd 2 $600
Chase 3941 37,000 2017 Aug Apr 2nd Apr 13th - Apr 20th 1 $850
Capital One 3663 13,000 2011 Oct Apr 8th Apr 19th - Apr 26th 1 $800
Barclays 3619 10,000 2016 Nov Apr 14th Apr 25th - May 1st 1 $600
Chase 3573 22,500 2016 Oct Apr 16th Apr 27th - May 3rd 1 $725
Barclays 3219 10,000 2006 Oct Apr 6th Apr 17th - Apr 24th 3 $1000
Barclays 3203 30,000 2014 May Apr 13th Apr 24th - May 1st 1 $975
Barclays 2990 11,300 2012 Jun Apr 6th Apr 17th - Apr 24th 1 $750
Barclays 1160 40,000 2018 Jul Apr 11th Apr 22nd - Apr 29th 1 $900
Chase 1331 7,500 2006 Jun Apr 15th Apr 26th - May 2nd 1 $1000
Chase 2879 21,500 2011 Dec Apr 22nd May 2nd - May 9th 1 $900
Chase 2581 30,000 2016 Jun Apr 25th May 5th - May 12th 1 $850
Barclays 2426 20,000 2017 Dec Apr 24th May 4th - May 11th 1 $600
Barclays 2318 30,000 2017 Oct Apr 26th May 6th - May 13th 1 $850
Chase 2072 22,000 2017 Jul Apr 5th Apr 16th - Apr 23rd 2 $725
Chase 2067 22,000 2017 Apr Apr 8th Apr 19th - Apr 26th 2 $725
Chase 1203 30,000 2015 Aug Apr 9th Apr 20th - Apr 27th 1 $850
Discover 1034 10,000 2017 May Apr 24th May 4th - May 11th 1 $625

Publicación de las inyecciones de crédito:

Debido a que la fecha del estado de cuenta para cada inyección de crédito es diferente, esta ventana de publicación puede variar, por lo que proporcionamos la información detallada tan pronto como se complete el pedido.

Capital One, Bank of America, Discover, USAA and Navy Federal, U.S. Bank por lo general reportan a los 3 buros de crédito.

Ampliación de tiempo de publicación en inyecciones

Las inyecciones de crédito no son permanentes. El Cliente tiene la opción, por un pago extra, de extender la línea comercial por 30-180 días durante los primeros 35 días posteriores a su compra inicial. Después de 35 días hábiles, si no hemos recibido una solicitud de extensión, le pediremos a nuestro titular de tarjeta que lo retire de la inyección de crédito después de que hayan pasado dos ciclos de facturación. Las inyecciones de crédito eliminadas aparecerán de manera muy similar al estado “cerrado” o al estado de “relación de usuario autorizada terminada” en su informe de crédito.

Impacto en el reporte crediticio

Garantizamos la publicación de las inyecciones, en al menos 2 de los buros de crédito. No tenemos ningún control sobre la inyección de crédito que informa más rápido a las agencias de crédito y no garantiza la publicación en más de una agencia de crédito.

Para aumentar la probabilidad de que aparezcan en los 3 buros de crédito, se deberían adquirir un mínimo de 3 inyecciones de 3 bancos diferentes.

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