Cuida tu Puntaje de Crédito – El Consejo de mi Abogado Inmigración

Tayde Aburto

February 6, 2021

3 MIN READ

En este video, voy a compartir con ustedes el consejo que recibí de mi abogado de inmigración cuando estaba en el proceso de convertirme en ciudadano estadounidense. También les daré algunos consejos sobre cómo mejorar su puntaje de crédito (puntaje crediticio) y cómo mantener su puntaje de crédito (puntaje crediticio) en nivel bueno o excelente.

Antes de pasar al tema del puntaje de crédito (puntaje crediticio), sí estás interesado en migrar a los EE. UU., asegúrate de contratar a un abogado de inmigración con experiencia para que se ocupe de tu situación. Será una de las mejores inversiones que hagas en tu vida. Recuerda, consigue un buen abogado de inmigración para lidiar con tu situación particular.

Ahora, para mantener un buen puntaje de crédito (puntaje crediticio), asegúrate de:

– Pagar tus tarjetas de crédito y préstamos a tiempo
– Que tu línea de crédito utilizada frente a tu línea de crédito disponible esté por debajo del 30% de utilización
– Cuentas con diferentes tipos de líneas de crédito
– No solicitas un crédito nuevo en períodos cortos de tiempo
– Tienes un buen historial crediticio

Verifica el estado de tu puntaje de crédito (puntaje crediticio) en annualcreditreport.com. ¡Es gratis!

– Verifica tu historial crediticio
– Asegúrate de que toda tú información sea correcta. Un buen informe crediticio significa un buen puntaje de crédito (puntaje crediticio), si no has violado ninguna de las reglas del puntaje de crédito (puntaje crediticio) tendrás un buen puntaje de crédito (puntaje crediticio).

Una de mis tarjetas de crédito favoritas es la AMEX Platinum, ofrece grandes beneficios. Da clic en el siguiente enlace para conocer más sobre los beneficios de la AMEX Platinum http://refer.amex.us/TAYDEA0qXJ?xl=cp01​

Controla tu puntaje de crédito (puntaje crediticio): abre tu cuenta con las compañías que monitorean tu crédito:

Visita https://annualcreditreport.com​ para recibir un reporte de crédito sin costo.

Transunion.com
MyEquifax.com
Experian.com

Diversifica tus lineas de crédito para darle un impulso a tu puntaje de crédito (puntaje crediticio):

– Abre una línea de crédito garantizada – crédito personal garantizado con una Cooperativa de Crédito.
– Conviértete en Usuario Autorizado de alguien con un buen puntaje de crédito (puntaje crediticio).
– Solicita un incremento en tu línea de crédito para ayudarte a mejorar tu puntaje de crédito (puntaje crediticio).
– Deje de abrir nuevas líneas de crédito si no las necesita.
– Haz tus pagos a tiempo y pague varias veces al mes si es posible. Se ve bien en tu puntaje de crédito (puntaje crediticio).
– No hagas grandes compras repentinas, si no es necesario.

No hagas lo siguiente, afecta tu puntaje de crédito (puntaje crediticio):

– Intenta evitar que te envíen a agencias cobradoras
– Si obtienes una tarjeta de crédito, no la cierres
– Evita los intereses especiales de lanzamiento que ofrecen tarjetas de crédito
– No solicites una nueva línea de crédito dentro de las 2 semanas posteriores a la aprobación de una.
– Recuerda, 30% de utilización por cuenta en total. Lo dije antes y quiero repetirlo nuevamente.

Mantén tu puntaje de crédito (puntaje crediticio) saludable:

– Crédito comercial y crédito personal separados.
– Abre nuevas cuentas cuando sea apropiado.
– Congela el crédito si no lo necesitas.
– Obtén protección contra robo de identidad. ¡Vale la pena!

Trata de mantener tu puntaje de crédito (puntaje crediticio) en nivel bueno, ¡excelente es mejor!

Un puntaje de crédito excelente comienza alrededor de 760+ puntos. Buena suerte!

🌍 Mi website / blog – https://taydeaburto.com​​​
📸 Instagram – https://instagram.com/taydeaburto​​​
🐦 Twitter – https://twitter.com/taydeaburto​​​
🎓 LinkedIn – https://linkedin.com/in/taydeaburto​​​
📕 Facebook – https://facebook.com/taydeaburto​​​
🤵Subscríbanse al canal de mi hijo “TaydeShow” – http://taydeshow.com​​​

🚧🚧🚧🚧DESCARGO DE RESPONSABILIDAD🚧🚧🚧🚧

❎ No soy un consultor comercial certificado, un maestro del comercio electrónico, un gurú del marketing digital, un contador público certificado, un abogado, un asesor de seguros o financiero. No soy un entrenador de desarrollo personal certificado. El contenido de estos videos no se interpretará como asesoramiento comercial, fiscal, legal, de seguros, salud y seguridad, asesoramiento financiero, asesoramiento de vida u otro, y el contenido puede estar desactualizado o ser inexacto; es su responsabilidad verificar toda la información usted mismo. Este es un video de Youtube SOLO para fines de entretenimiento.

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    Quit the hustle 24/7. 

It’s not sustainable. 

In life, think of quality as the combo of: 

✅ the right things 
✅ at the right time 
✅ in the right way 

In business: 

✅ focus on value 
✅ prioritize 
✅ time management 

Quality is about being smart, not “always on”. 

When you’ve found that balance, you’ll see that: 

1️⃣ your “work” doesn’t feel like work 
2️⃣ success tastes sweeter 
3️⃣ you’re happier 

Remember: balance is sustainable, the hustle is not. 

Choose quality over quantity and you will always win.

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    Trust The Process:  When building a business, we often focus too much on the end goal and not enough on how we’re getting there. 

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Hours of work, stress, and countless setbacks. 

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The growth will come.

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Yesterday, we celebrated the incredible small business leaders who have completed the @sbathrive SBA T.H.R.I.V.E. Emerging Leaders Reimagined program! 

This executive-level training series has empowered these ambitious entrepreneurs to accelerate their growth, refine their strategies, and lead their businesses to new heights.

T.H.R.I.V.E. is more than a program -it’s a revolution in small business development. It combines targeted training with motivating leadership to equip these trailblazers with the tools they need to succeed.

Here’s to your hard work, dedication, and vision for the future. Your journey doesn’t stop here -it’s just beginning! I can’t wait to see how you continue to impact your communities and industries. Working with you for the last six months was an honor and a privilege.  Special thanks to Luci Montgomery, Esq. at the @SBA_SanDiego, for her incredible job as a program PM. The success of the Cohort wouldn't have been possible without Luci! Thank you, Luci.

Congratulations, San Diego’s FINE$T Founders! 

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There will be ups and downs, but the key is never to quit.

Every challenge you face shapes you, every setback teaches you, and every milestone is worth celebrating. 

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What’s one challenge you’ve faced recently that made you stronger? Share below 👇

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As a business owner, you’re uniquely positioned to turn your business into a vehicle for legacy. It’s not just about today’s success but about building something that stands the test of time.

When you focus on generational wealth, you shift your mindset from short-term wins to long-term impact. You start asking the big questions: 

✅ How can I structure my business to thrive beyond me?
✅ How do I ensure my children and their children benefit from my work?
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The choices you make today can echo for decades. So, what kind of legacy are you building?

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It attracts what you think about. 

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This is psychology. 

The more you focus on something,  the more you see it. 

The more you see it,  the more it enters your life. 

That’s why: 

- Grateful people see blessings everywhere. 
- Successful people spot opportunities everywhere. 
- Paranoid people see threats everywhere. 

What you think about,  you bring about. 

Want to change your reality? 

Start by changing your thoughts. 

Watch how your world changes too.

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    You’ve got the dream. 

You’ve got the vision. 

You want success. 

But without action, nothing happens.  Thinking and dreaming big is only 1% - doing is 99%. Inspired action. 

Action that makes you jump out of bed in the morning. 

Action that propels you towards building your dreams. 

Action that puts you in the arena and gets you dirty.  That’s where success comes from. 

Success is not just the result, it’s the journey.  It’s the daily grinding and hustling.  The moments of frustration and failure. 

The moments where you dig deep and keep going. 

You want to be successful? 

It starts with one step.  The action step. 

The step that takes you from dreaming to doing. 

What action step will you take today?

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Universal Studios has been around for almost a century, and it’s got a successful recipe for bringing people back time and again: 

1) Immersion. Universal’s attractions drop you right into the middle of a story. The experience is fully immersive, and visitors come out feeling like they were a part of the world they just experienced. 

2) Attention to detail. Each attraction is a work of art, with every detail meticulously crafted and designed to evoke a specific response from visitors. 

3) Thrills. It’s not just about the immersion and the detail - Universal attractions are designed to be thrilling. They keep visitors on the edge of their seats, and leave them breathless. 

The same principles apply to building a brand: 

1) Immerse your audience in your story. Your brand is more than just a logo or a product - it’s an experience. Make sure your audience feels like they’re a part of that experience. 

2) Pay attention to detail. Every aspect of your brand - from your website to your social media profiles - should be designed with care and precision. 

3) Be thrilling. Your brand should excite and inspire your audience. Make sure your marketing and messaging is impactful and resonates with your target audience. 

By focusing on these principles, you, too, can build a brand that’s as successful and beloved as Universal Studios.

Save this post or share it to anyone that can benefit from it. 👍🏻

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They inspire me because they are in the “business” of making the world better, not just making money.

I thank God for allowing me to meet @donaldmiller and learn from him. 

God bless his heart and continue to give him the guidance to help us guide others in a way that positively impacts their lives and businesses. 

Thank you, Don! 🙏🏻 

#DonaldMiller #StoryBrand #BusinessMadeSimple
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Do what other people are afraid to do.

Then keep doing it for decades.

Most people chase quick wins, give up when it gets hard, and look for the "next big thing."

They're playing the wrong game.

Success is about consistent effort, embracing discomfort, and outlasting the competition.

It's not about being fearless. It's about being afraid and doing it anyway.

So, stop looking for shortcuts and start playing the long game.

Follow @taydeaburto for more!

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✅ If I can help you, let’s connect! DM me your email to schedule a call. 

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You've confronted your demons and come out stronger. Remember, every struggle is a step towards growth and understanding. 

Keep moving forward with confidence!

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    Chasing a dream can feel like a long road, but remember, time will pass no matter what. 

The real question is whether you'll use that time to work towards your goals. 

Don’t be discouraged by how long it might take. 

Each small step you take gets you closer to where you want to be. 

It’s better to spend time building your dream than letting the time slip by with nothing to show for it. 

Keep going, stay patient, and remember that progress is progress, no matter how slow.

Follow @taydeaburto for more inspiration!

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While Rockefeller focused on building his empire, the stress nearly destroyed his health. 

Carnegie, on the other hand, valued balance and decided early on to work less while still becoming incredibly wealthy.

The lesson here is that success doesn't always mean working yourself into the ground. 

It’s about finding a balance between ambition and well-being. 

Achieving wealth doesn’t have to come at the cost of your health. 

In the end, it's the quality of life that matters.

Follow @taydeaburto for more!

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    I have been following @stoolpresidente for a while now because he has a great heart, is a successful entrepreneur, and cares about American businesses. What he did for this business was great. Keep up the great work you are doing, Presidente 🙌🏻!

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