Discusión del foro

Profesional

01-06-2021

Resuelto

Evaluación crediticia

¿Qué tal comunidad? ¿Alguien sabrá qué aspectos toman en cuenta para la evaluación crediticia? Me ofrecieron un equipo pero era gama baja y todavía para pagar al contado, siempre he pagado a tiempo desde que hice la migración.

aspectos

evaluación crediticia

4 Respuestas

Duyu21
Maestro
01-06-2021
Hola

Te evalúan tu historial crediticio y si eres un buen pagador, para que te evalúen llama al 123 para que te den opciones de crédito.
Luz38
Leyenda
01-06-2021
Hola!!

Aquí te dejo un link chécalo espero te ayude

https://comunidad.claro.com.pe/t5/Móvil/Por-qué-no-puedo-renovar-mi-equipo-en-cuotas-si-estoy-al-d%C3%ADa-en/td-p/54620

Saludos.
BRAHIAMS
Profesional
01-06-2021
Hola,

Cuando mencionan historial crediticio depende de muchas cosas, si estás al día en tus pagos, si tienes el tiempo suficiente de 6 meses para renovar a cuotas y todo servicio con Claro que tengas a tu nombre afecta tu historial, por ejemplo también ven si con entidades bancarias estás al día, si manejas tarjetas de crédito, si tienes crédito hipotecario, si manejas deuda por al algún otro lado, etc. todo eso lo ve el sistema de manera interna y externa a tu nombre.

Para terminar, si dejas deuda en Claro así sea de S/1.00, no vas a poder renovar a cuotas, tanto en deuda castigada o vencida.

Si tienes dudas pide información a través del ClaroBot.
Stormspirt
Leyenda
01-06-2021
Hola te evalúan lo siguiente y hay muchos otros algoritmos más.

* Deudas en bancos.

* Comportamiento de tus pagos, si pagas antes de fecha mejor si pagas puntual pones en duda, y si pagas después de la fecha de vencimiento ya es como moroso.

* Comportamiento no solo de tu línea telefónica o móvil, sino de todos tus servicios asociados a tu DNI.

* Profesión e histórico de sitios donde laboraste el ministerio de trabajo tiene un sistema y esta vinculado con infocorp que también es del estado.

* Comportamiento de tu dinero si tienes banalizado, obvio puede entrar mucho dinero y salir rápidamente ahí ven que no tienes capacidad de ahorro por lo tanto baja también puntos.

*Esto se actualiza día a día, no todos los días calificaras a lo mismo así es que si en una de esas te sale algo bueno aprovéchalo ya que en resumen debes ser responsable y puntual.

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Evaluación crediticia","moderationData":{"__ref":"ModerationData:moderation_data:67384"},"body":"

Hola

Te evalúan tu historial crediticio y si eres un buen pagador, para que te evalúen llama al 123 para que te den opciones de crédito.

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Hola!!

Aquí te dejo un link chécalo espero te ayude

https://comunidad.claro.com.pe/t5/Móvil/Por-qué-no-puedo-renovar-mi-equipo-en-cuotas-si-estoy-al-d%C3%ADa-en/td-p/54620

Saludos.

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Hola,

Cuando mencionan historial crediticio depende de muchas cosas, si estás al día en tus pagos, si tienes el tiempo suficiente de 6 meses para renovar a cuotas y todo servicio con Claro que tengas a tu nombre afecta tu historial, por ejemplo también ven si con entidades bancarias estás al día, si manejas tarjetas de crédito, si tienes crédito hipotecario, si manejas deuda por al algún otro lado, etc. todo eso lo ve el sistema de manera interna y externa a tu nombre.

Para terminar, si dejas deuda en Claro así sea de S/1.00, no vas a poder renovar a cuotas, tanto en deuda castigada o vencida.

Si tienes dudas pide información a través del ClaroBot.

Hola te evalúan lo siguiente y hay muchos otros algoritmos más.

* Deudas en bancos.

* Comportamiento de tus pagos, si pagas antes de fecha mejor si pagas puntual pones en duda, y si pagas después de la fecha de vencimiento ya es como moroso.

* Comportamiento no solo de tu línea telefónica o móvil, sino de todos tus servicios asociados a tu DNI.

* Profesión e histórico de sitios donde laboraste el ministerio de trabajo tiene un sistema y esta vinculado con infocorp que también es del estado.

* Comportamiento de tu dinero si tienes banalizado, obvio puede entrar mucho dinero y salir rápidamente ahí ven que no tienes capacidad de ahorro por lo tanto baja también puntos.

*Esto se actualiza día a día, no todos los días calificaras a lo mismo así es que si en una de esas te sale algo bueno aprovéchalo ya que en resumen debes ser responsable y puntual.

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