¿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
Barclays 3931 16,500 2017 Jul Dec 9th Dec 21st - Dec 29th 1 $600
Elan 7453 20,000 2011 Jul Nov 20th Dec 1st - Dec 8th 1 $950
Capital One 7440 12,500 2011 Apr Dec 7th Dec 19th - Dec 27th 1 $825
Chase 7419 8,000 2010 Nov Nov 28th Dec 9th - Dec 16th 1 $800
Chase 6507 27,000 2014 Oct Dec 10th Dec 22nd - Dec 30th 1 $925
Barclays 7352 22,700 2014 Feb Nov 27th Dec 8th - Dec 15th 5 $850
Capital One 7351 10,000 2016 Aug Dec 4th Dec 16th - Dec 24th 1 $600
Discover 7340 13,000 2005 Nov Nov 24th Dec 5th - Dec 12th 1 $1000
Discover 7329 25,000 1995 Aug Nov 24th Dec 5th - Dec 12th 1 $1250
Chase 7327 20,000 2006 Jul Nov 23rd Dec 4th - Dec 11th 1 $1050
Capital One 6926 2,500 2012 Mar Dec 3rd Dec 15th - Dec 23rd 1 $600
Capital One 7266 10,000 2005 Jun Dec 2nd Dec 14th - Dec 22nd 2 $1000
Capital One 7235 12,750 2008 Sep Nov 30th Dec 11th - Dec 18th 1 $900
Capital One 7225 8,000 2014 Mar Dec 3rd Dec 15th - Dec 23rd 1 $675
Capital One 7214 15,000 2015 Apr Nov 30th Dec 11th - Dec 18th 1 $675
Chase 7203 12,100 2017 Jan Nov 27th Dec 8th - Dec 15th 2 $600
Capital One 7159 4,500 2012 Nov Nov 30th Dec 11th - Dec 18th 1 $650
Bank Of America 6506 12,000 2017 Mar Dec 11th Dec 23rd - Dec 31st 1 $600
Barclays 7136 12,500 2012 Dec Dec 9th Dec 21st - Dec 29th 2 $775
Chase 7124 24,250 2017 Mar Nov 28th Dec 9th - Dec 16th 1 $725
Barclays 7091 25,000 2014 May Nov 13th Nov 24th - Dec 1st 4 $925
Capital One 7113 4,600 2007 Nov Dec 7th Dec 19th - Dec 27th 1 $725
Capital One 7102 2,500 2017 Feb Dec 3rd Dec 15th - Dec 23rd 1 $475
Chase 7090 20,000 2014 Nov Dec 1st Dec 13th - Dec 21st 2 $950
Capital One 7052 3,500 2016 Mar Nov 21st Dec 2nd - Dec 9th 1 $475
Chase 7030 16,000 2013 Dec Dec 5th Dec 17th - Dec 25th 1 $800
Chase 7018 10,000 2017 Jan Dec 1st Dec 13th - Dec 21st 1 $600
Chase 7017 20,000 2004 Jul Dec 3rd Dec 15th - Dec 23rd 2 $1100
Discover 7016 10,000 2014 Jul Dec 1st Dec 13th - Dec 21st 2 $750
Bank Of America 6981 29,000 2013 Oct Nov 28th Dec 9th - Dec 16th 1 $950
Capital One 6729 6,750 2010 Mar Dec 7th Dec 19th - Dec 27th 1 $725
Barclays 6935 7,000 2017 Mar Dec 7th Dec 19th - Dec 27th 1 $525
Barclays 6893 11,000 2013 Apr Dec 2nd Dec 14th - Dec 22nd 2 $775
Bank Of America 6685 23,200 2014 Sep Nov 16th Nov 27th - Dec 4th 1 $850
Elan 6505 22,500 2017 Mar Nov 17th Nov 28th - Dec 5th 1 $700
Chase 6662 10,500 2017 Mar Dec 4th Dec 16th - Dec 24th 2 $600
Capital One 6618 2,500 2008 May Nov 30th Dec 11th - Dec 18th 1 $675
Chase 6593 7,500 2014 Sep Nov 23rd Dec 4th - Dec 11th 2 $700
Barclays 6493 25,000 2017 Apr Nov 23rd Dec 4th - Dec 11th 5 $750
Capital One 6481 24,000 2012 Jul Nov 21st Dec 2nd - Dec 9th 1 $900
Chase 6324 6,600 2008 Aug Dec 10th Dec 22nd - Dec 30th 1 $800
Chase 6461 28,000 2016 Apr Nov 30th Dec 11th - Dec 18th 1 $775
Chase 6436 3,500 2015 Nov Dec 8th Dec 20th - Dec 28th 1 $525
Chase 5008 9,000 2008 Jan Nov 21st Dec 2nd - Dec 9th 1 $825
Chase 6260 27,000 2016 Oct Dec 3rd Dec 15th - Dec 23rd 1 $750
Discover 6270 11,500 2013 Jan Nov 28th Dec 9th - Dec 16th 2 $775
Capital One 6226 7,250 2012 Jun Nov 25th Dec 6th - Dec 13th 1 $750
Capital One 6206 4,500 2007 Jul Dec 2nd Dec 14th - Dec 22nd 1 $725
Capital One 6140 2,000 2007 Apr Dec 8th Dec 20th - Dec 28th 1 $675
Chase 5091 10,000 2007 Mar Nov 23rd Dec 4th - Dec 11th 2 $900
Discover 5027 5,000 2010 Apr Dec 1st Dec 13th - Dec 21st 1 $725
Bank Of America 4097 10,000 2017 Jun Nov 27th Dec 8th - Dec 15th 1 $600
Capital One 4096 5,000 2014 May Dec 5th Dec 17th - Dec 25th 1 $625
Barclays 4082 7,800 2012 Nov Nov 25th Dec 6th - Dec 13th 5 $725
Barclays 4081 12,000 2010 Jun Nov 30th Dec 11th - Dec 18th 3 $850
Chase 4080 10,500 2014 Sep Dec 1st Dec 13th - Dec 21st 1 $650
Bank Of America 4044 20,600 1996 Apr Dec 10th Dec 22nd - Dec 30th 1 $1150
Barclays 2861 21,000 2015 Dec Nov 30th Dec 11th - Dec 18th 4 $775
Elan 4018 11,000 2011 May Nov 20th Dec 1st - Dec 8th 1 $825
Chase 3997 18,200 2012 Feb Nov 27th Dec 8th - Dec 15th 2 $850
Discover 3977 13,000 2012 Apr Dec 2nd Dec 14th - Dec 22nd 2 $800
Chase 3964 11,500 2013 Jan Nov 30th Dec 11th - Dec 18th 1 $775
Elan 3954 20,000 2017 Mar Nov 19th Nov 30th - Dec 7th 2 $725
Barclays 3943 15,000 2016 Sep Nov 15th Nov 26th - Dec 3rd 1 $600
Chase 3775 30,000 2015 Aug Dec 9th Dec 21st - Dec 29th 1 $850
Capital One 3919 17,500 2011 Oct Dec 10th Dec 22nd - Dec 30th 1 $850
Chase 3221 20,000 2017 Feb Dec 4th Dec 16th - Dec 24th 1 $725
Chase 3841 7,000 2012 Jan Dec 3rd Dec 15th - Dec 23rd 2 $675
Capital One 3817 10,000 2017 Jan Nov 28th Dec 9th - Dec 16th 2 $600
Discover 3773 15,000 2002 May Nov 30th Dec 11th - Dec 18th 1 $1000
Barclays 3750 20,000 2017 Mar Nov 25th Dec 6th - Dec 13th 4 $725
Discover 2378 15,000 2014 May Dec 12th Dec 24th - Jan 1st 1 $800
Chase 3683 12,000 2013 Jul Dec 10th Dec 22nd - Dec 30th 1 $725
Capital One 3663 13,000 2011 Oct Dec 8th Dec 20th - Dec 28th 1 $800
Chase 3640 13,000 2012 Nov Nov 21st Dec 2nd - Dec 9th 1 $800
Barclays 3617 10,000 2014 Dec Dec 7th Dec 19th - Dec 27th 2 $650
Capital One 3233 15,000 2013 Jun Dec 10th Dec 22nd - Dec 30th 2 $850
Chase 3595 10,000 2016 Oct Nov 30th Dec 11th - Dec 18th 2 $600
Chase 3574 13,400 2016 Dec Nov 27th Dec 8th - Dec 15th 2 $600
Chase 3377 33,000 2017 Nov Dec 3rd Dec 15th - Dec 23rd 1 $700
Capital One 3331 10,000 2016 Mar Dec 4th Dec 16th - Dec 24th 1 $600
Bank Of America 3300 15,000 2015 Dec Nov 26th Dec 7th - Dec 14th 1 $675
Chase 3299 10,000 2015 Feb Nov 16th Nov 27th - Dec 4th 1 $650
Chase 3298 10,500 2006 Dec Nov 20th Dec 1st - Dec 8th 2 $950
Chase 3220 20,000 2015 Feb Dec 4th Dec 16th - Dec 24th 2 $775
Barclays 3219 10,000 2006 Oct Dec 6th Dec 18th - Dec 26th 5 $1000
Barclays 3218 10,000 2014 Dec Nov 30th Dec 11th - Dec 18th 4 $650
Capital One 3217 5,000 2002 Mar Nov 23rd Dec 4th - Dec 11th 2 $900
Capital One 2969 30,000 2004 Oct Dec 6th Dec 18th - Dec 26th 1 $1450
Discover 2955 10,500 2015 May Dec 1st Dec 13th - Dec 21st 1 $675
Chase 2932 5,300 2008 Oct Nov 26th Dec 7th - Dec 14th 1 $900
Chase 2930 6,400 2001 Feb Nov 28th Dec 9th - Dec 16th 1 $925
Chase 2907 15,000 2008 Jan Nov 27th Dec 8th - Dec 15th 1 $950
Capital One 2894 5,000 2011 May Dec 2nd Dec 14th - Dec 22nd 1 $725
Barclays 1132 12,000 2018 Jun Nov 26th Dec 7th - Dec 14th 1 $485
Capital One 2129 1,000 2017 Dec Dec 8th Dec 20th - Dec 28th 2 $400
Barclays 2593 20,000 2017 May Dec 7th Dec 19th - Dec 27th 4 $725
Chase 2591 18,000 2017 Aug Dec 4th Dec 16th - Dec 24th 1 $575
Chase 2581 30,000 2016 Jun Nov 23rd Dec 4th - Dec 11th 1 $850
Capital One 2540 3,500 2013 Jun Nov 25th Dec 6th - Dec 13th 2 $625
Chase 2494 29,500 2016 May Dec 2nd Dec 14th - Dec 22nd 1 $900
Barclays 2491 8,500 2013 Feb Nov 24th Dec 5th - Dec 12th 2 $735
Chase 2107 11,000 2006 Apr Dec 1st Dec 13th - Dec 21st 1 $1000
Barclays 2403 20,000 2016 Apr Dec 6th Dec 18th - Dec 26th 1 $700
Chase 2401 19,000 2010 Jan Nov 23rd Dec 4th - Dec 11th 2 $1000
Barclays 2138 21,000 2014 Mar Dec 7th Dec 19th - Dec 27th 2 $825
Capital One 2389 4,000 2009 May Nov 22nd Dec 3rd - Dec 10th 1 $750
Capital One 2388 1,150 2007 Dec Dec 11th Dec 23rd - Dec 31st 1 $675
Chase 2056 12,000 2006 May Nov 30th Dec 11th - Dec 18th 1 $1000
Chase 2120 7,500 2006 Apr Dec 3rd Dec 15th - Dec 23rd 2 $1000
Capital One 1500 20,000 2008 Dec Dec 2nd Dec 14th - Dec 22nd 1 $1050
Capital One 1033 10,000 2017 Jun Nov 30th Dec 11th - Dec 18th 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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