He credit It is often seen as an opportunity to undertake business and to cover day-to-day needs. According to the survey presented by Experian, the interest in accessing credit is greater in the age segment of 36 to 45 years of Lima residents
This and the socio-economic group CDE. However, regardless of personal characteristics, it is important that we all focus on improving our financial profile to have more chances of accessing credit, with better features and benefits.
In this sense, Sergio Rivera, business manager at Experian, provides 3 tips to improve your credit profile:
LOOK: Pronied delivered land to restart construction of the IE José Gálvez Egúsquiza de Cajamarca
- Evaluate your current financial situation: First of all, it is necessary to know what your credit profile currently looks like. For this you can review your credit history, which allows you to review your information and financial situation quickly and easily, through the website or the application of My Sentinel, from Experian. Once you have information about your financial situation, you can make more informed decisions that are best for you.
- Evaluate your ability to pay: If the objective is that our credit behavior is interesting for financial institutions, it is necessary that we assume a responsible payment method. That is, making financial commitments that we know we can pay, and paying them on time, which will allow us to have a positive credit score.
- If you plan to take a loan, choose the best one according to your profile: Even if you are trying to improve your profile, you still have the possibility of accessing credit. However, it is recommended that you take into account the characteristics of the various options offered in the financial system to choose the option that best suits your possibilities and needs.
“From Experian our commitment is that more and more people are included in the formal system and thus can access financial products. Financial education is essential for us, since having more information makes decisions more and more informed” concludes Rivera.
Take these tips into account to improve your profile and improve your ability to access credit that is best for you and your personal goals.
