Categoría: Finanzas Personales.

Aeronave caída.

Dervi Lantigua. | 30 de septiembre de 2021

Santo Domingo, RD.- En un informe preliminar de la Dirección Nacional de Control de Drogas (DNCD), en conjunto con la Armada Dominicana, la Procuraduría General y Organismos de

Finanzas Personales.

«Trabajaron» toda la noche.

Dervi Lantigua. | 26 de septiembre de 2021

DICRIM encuentra ladrones durmiendo con todo lo robado esta madrugada en La Javiela SFM. San Francisco de Macorís.- La mañana de este domingo, miembros del DICRIM realizaron allanamiento

Finanzas Personales.

Ganar Dinero Online.

Dervi Lantigua. | 11 de septiembre de 2021

En esta oportunidad te queremos mostrar como ganar dinero online y cambiar tu vida, usando las redes sociales. Estamos viviendo en tiempos en que las personas que no

Finanzas Personales.

Dervi Lantigua. | 11 de septiembre de 2021

FINANZAS PERSONALES. En estos tiempos de crisis económica es sumamente importante aprender a optimizar nuestros ingresos. En esta oportunidad te vamos a presentar una guía con la que

Finanzas Personales.

Paypal En República Dominicana.

Dervi Lantigua. | 8 de septiembre de 2021

Paypal es una empresa en linea con la cual puedes enviar o recibir dinero desde prácticamente todas partes del mundo en tiempo real, además de que es uno

Finanzas Personales.

Cuenta Ahorro en República Dominicana.

Dervi Lantigua. | 8 de septiembre de 2021

Muchas veces las personas desconocen la importancia de tener una cuenta de ahorros/corriente. La mayoría se cree que es solo para darle beneficios a la entidad bancaria en

Finanzas Personales.

Prestamos online en República Dominicana.

Dervi Lantigua. | 8 de septiembre de 2021

Son muchas las ocasiones en donde nos hemos visto en situaciones difíciles en términos económicos, aveces nos vemos apretados del bolsillo, lo que nos lleva a la necesidad

If your credit score is lower than you'd like, there may be quick ways to bring it up. Depending on what's holding it down, you may be able to tack on as many as 100 points relatively quickly.
Scores in the "fair" and "bad" areas of the credit score ranges could see dramatic results — leading to more access to loans or credit cards, and at better terms.
See what powers your credit
Check your free credit score, get personalized insights. Weekly updates let you track your progress.
Can you improve your credit by 100 points?
If you’re struggling with a low score, you’re better positioned to quickly make gains than someone with a strong credit history.
Is a 100-point increase realistic? Rod Griffin, director of public education for credit bureau Experian, says yes. “The lower a person’s score, the more likely they are to achieve a 100-point increase,” he says. “That’s simply because there is much more upside, and small changes can result in greater score increases.”
And if you’re starting from a higher score, you likely don’t need a full 100 points to make a big difference in the credit products you can get. Simply continuing to polish your credit can make life easier, giving you a better chance of qualifying for the best terms on loans or credit cards.
Here are some strategies to quickly improve or rebuild your profile:
1. Pay bills on time
No strategy to improve your credit will be effective if you pay late. Why? Payment history is the single biggest factor that affects credit scores, and late payments can stay on your credit reports for 7½ years.
If you miss a payment by 30 days or more, call the creditor immediately. Arrange to pay up if you can and ask if the creditor will consider no longer reporting the missed payment to the credit bureaus.
Even if the creditor won’t do that, it’s worth getting current on the account ASAP. Every month an account is marked delinquent hurts your score. Fortunately, the impact of a missed payment fades over time. Showing lots of positive credit behaviors after a misstep can help offset the damage more quickly and eventually improve your credit.
If you're simply not able to pay everything on time, know how to prioritize your bills. Look into financial assistance offered in response to the coronavirus pandemic.
2. Make frequent payments
If you are able to make small payments — often called micropayments — throughout the month, that can help keep your credit card balances down and improve your credit. Making multiple payments throughout the month moves the needle on a credit score factor called credit utilization. After payment history, this is another factor that highly influences your score.
If you're able to keep your utilization low instead of letting it build toward a payment due date, it should benefit your score right away. (You can track your credit utilization on each card and overall by viewing your credit profile with NerdWallet.)
3. Ask for higher credit limits
When your credit limit goes up and your balance stays the same, it instantly lowers your overall credit utilization, which can improve your credit. Call your card issuer and ask if you can get a higher limit without a “hard” credit inquiry, which can temporarily drop your score a few points. If your income has gone up or you've added more years of positive credit experience, you have a decent shot at getting a higher limit. Some issuers may also be willing to work with you during the COVID-19 crisis.
4. Dispute credit report errors
A mistake on one of your credit reports could be pulling down your score. Fixing it can help you quickly improve your credit.
You're currently entitled to a free report every week from each of the three major credit bureaus: Equifax, Experian and TransUnion. Use AnnualCreditReport.com to request those reports and then check them for mistakes, such as payments marked late when you paid on time or negative information that’s too old to be listed anymore.
Once you've identified them, dispute those errors to get them removed. The credit bureaus have 30 days to investigate and respond. Some companies offer to dispute errors and quickly improve your credit, but proceed with caution before you choose this option.
5. Become an authorized user
If you have a relative or friend with a long record of responsible credit card use and a high credit limit, consider asking if you can be added on one of those accounts as an authorized user. The account holder doesn’t have to let you use the card — or even tell you the account number — for your credit to improve.
This works best for if you have a thin credit file, and the impact can be significant. It can fatten up your credit file, give you a longer credit history and lower your credit utilization.
6. Use a secured credit card
Another method that can be used either to build credit from scratch or improve your credit is by using a secured credit card. This type of card is backed by a cash deposit; you pay it upfront and the deposit amount is usually the same as your credit limit. You use it like a normal credit card, and your on-time payments help your credit. Choose a secured card that reports your credit activity to all three credit bureaus. You may also consider looking into alternative credit cards that don't require a security deposit.
7. Keep credit cards open
If you're racing to improve your credit profile, be aware that closing credit cards can make the job harder. Closing a credit card means you lose that card’s credit limit when your overall credit utilization is calculated, which can lead to a lower score. Keep the card open and use it occasionally so the issuer won’t close it.
8. Mix it up
If you have only credit cards or only loans, consider getting the type of credit you don’t have to improve your credit mix. Having both installment accounts and revolving credit, such as loans and credit cards, can boost your perceived creditworthiness.
The truth about raising your credit scores fast
While a lucky few may be in a situation where they can raise their credit scores quickly, the bottom line for most of us is that building credit takes time and discipline, especially if you’re trying to rebuild bad credit. That’s because your credit scores are complex and made up of several interconnected factors (more on that below).
So trust us: While some credit repair agencies may promise to raise your credit scores fast, there’s no secret that will help boost your credit scores quickly.
But if you start developing healthy habits now, you can build credit over time all by yourself.
5 factors that affect your credit scores
As we mentioned above, there are several factors that go into determining your credit scores.
Payment history makes up the biggest chunk of your credit scores. That’s why it’s so important to make on-time payments each month if at all possible. Late payments can haunt your credit history for up to seven years.
Credit usage, or credit utilization, is another important factor. This measures how much of your available credit you tap into at any given time. Experts recommend you keep this to less than 30%.
The length of your credit history has some impact on your credit, though not much. This factors in the ages of your oldest and newest credit card accounts, as well as the average age of all your accounts. The older your credit, the better, because it shows lenders you have more experience managing credit.
Your credit mix has a small impact on your credit. This looks at the types of credit you borrow. Lenders want to see that you can balance revolving accounts like credit cards with installment accounts like mortgages, student loans, auto loans and personal loans.
Your recent credit also has a small impact on your credit. This tracks the applications you file for things like new credit cards and personal loans with hard inquiries. The fewer, the better.
Tips that can help raise your credit scores
Because credit is so complex, building credit takes time. Depending on your individual situation, there may be ways to raise your scores quickly — like paying down all your debt in a very short span of time. But if you’re starting out with bad credit, even a drastic measure like that may not have the immediate effect you’re looking for. No matter what, the most impactful thing you can do for your credit is to create some consistent habits. Here are some tips that can help you raise your credit scores over time.
1. Check your credit reports on a regular basis to track your progress
No matter where you turn for your credit check-in — your bank, Credit Karma or one of the major consumer credit bureaus — it’s important to keep an eye on your credit. And if you find any mistakes or inaccuracies, we can help you file a dispute. If your dispute is approved by the credit bureaus, you may see the error corrected as soon as within 30 days, which can help raise your credit scores.
2. Sign up for free credit monitoring
Whether it’s with Credit Karma or someone else, keeping a close eye on your credit is essential. Signing up for credit monitoring can help alert you to important changes in your credit, so that you can check for suspicious activity. Fraudulent activity can weigh down what could be an otherwise good credit score, so it’s important to dispute any details you identify as inaccurate. If the credit bureau rules in your favor, the fraudulent activity will be removed from your credit report, which can help raise your credit scores.
3. Figure out how much money you owe
Gather all your bills and come up with a plan to pay them off. The snowball method focuses on paying off the lowest balances first, while the avalanche method focuses on paying off the balances with the highest interest rates first. If you have too many credit cards to keep track of, you could also consolidate your credit card debt into one balance transfer card to make it easier to manage your monthly payments. All three strategies could help you pay off your credit card debt more quickly, lower your credit utilization ratio and raise your credit scores. So, choose the plan that works best for you, and stick with it.
4. Set up autopay, so you never forget to make a credit card payment
This could help you develop a consistent payment history over time. It might not help you raise your credit scores fast, but it could protect your scores from declining fast, which will likely happen if you miss a payment.
5. Pay twice a month
Instead of making one big payment at the end of the month, try splitting it up into smaller payments every two weeks. This could help you sneak in a few extra payments each year and save money on interest charges. And the extra payments can help pay down your principal balance faster, lowering your account balances and credit utilization ratio, which can raise your scores.
6. Negotiate a lower interest rate
A lower rate can help you pay off your balance faster, because more of your payment can be applied to your principal balance than interest. Lower balances can mean a lower credit utilization ratio (and a lift in your scores). Learn more about how to negotiate a lower interest rate.
Working on your credit?
Check My Equifax® and TransUnion® Scores Now
7. Ask for a credit limit increase
A higher credit limit is another way to help reduce your credit utilization ratio, which can help raise your credit scores. Keep in mind though that some credit issuers do a hard credit check when you request a credit limit increase, and that can cause your credit to dip. Read up on how to ask for a credit limit increase.
8. Mix it up
Your credit mix refers to the various types of accounts included in your credit reports. While it probably won’t make or break your credit scores, lenders typically like to see a mix of revolving credit accounts (i.e., credit cards) and installment loans, like mortgages, auto loans and student loans. The more you diversify the money you borrow, the better. Of course, it’s not a good idea to take out a loan you don’t need just for the sake of adding some extra color to your credit mix.
9. Become an authorized user on someone else’s account
If you’re new to credit and can’t qualify for your own credit card, becoming an authorized user on someone else’s account can be a great way to get started. But it’s a double-edged sword: If the person who owns the account has healthy credit, it can help you establish a positive credit history over the long run. On the other hand, if they miss payments or carry high credit card balances, that could also reflect poorly on you. That’s why it’s important to pick someone you trust who has a longer credit history and higher credit scores than you do, and who overall has a positive credit history.
Pitfalls to avoid when working on your credit scores
When it comes to building credit, it’s easy to get overly focused on ways to raise your credit scores fast. The truth is that building credit takes time. So take a step back and make sure your strategy doesn’t do more harm than good.
Here are a few “don’ts” to keep in mind.
Don’t apply for a bunch of new credit cards just because you want to increase your credit utilization. Even though this might help lower your credit utilization ratio, it could also make you look like a risky borrower thanks to the new hard inquiries on your reports.
For the same reason, don’t take out a loan just to improve your credit mix. Only apply for a new loan if you actually need it.
Don’t carry a balance on your credit card just so you can build credit. Carrying a balance can lead to unnecessary interest charges, and it might actually hold your scores down by increasing your credit utilization ratio.
Don’t cancel your credit card after you pay it off — unless you have a good reason to do so. Closing your credit card will hurt your length of credit history, so it’s better to leave it open, even if you’re not using it anymore. Of course, if having a card tempts you to spend more, or it comes with an expensive annual fee, you might want to rethink this conventional wisdom.
What’s next?
There are a lot of credit repair companies out there that promise to raise your credit scores fast. Be wary. Rebuilding your credit scores takes time, and you can help improve your credit by yourself.
There are a few steps you might be able to take to raise your credit scores relatively quickly, like paying off credit cards with high balances and disputing errors. But for the most part, it takes time and patience to build credit.
If an emergency cost pops up and you don’t have the cash to pay for it, a quick loan might seem like your saving grace.
But keep in mind that the shortest amount of time a lender says it can get approved funds to you often comes with a disclaimer. A number of factors can delay your funding, and depending on your bank, there may be a wait before you can access your cash.
And think twice before you opt for high-cost loans like payday loans or title loans, which can come with very high fees and interest rates.
If you need fast cash, see our top picks below for lenders that say they may be able to get you money quickly.Wells Fargo: Good for existing customers
Why a Wells Fargo personal loan stands out: Wells Fargo says it can often deliver your funds by the next business day after loan approval. You’ll have to be an existing customer to apply online or over the phone, and you might qualify for a relationship discount on your rate if you have an eligible checking account and make automatic payments on your loan from a Wells Fargo account.
Wells Fargo’s unsecured personal loans range from $3,000 to $100,000.
Secured loans also available — Wells Fargo offers secured personal loans, which are backed by a CD or savings account at the bank. Secured loan amounts range from $3,000 to $250,000. But you’ll pay a $75 origination fee.
Co-applicants allowed — If you think applying with someone else will give you a better chance of qualifying or improving your interest rate, you can add another person to your application.
No prequalification option — If you want to see what estimated terms you may qualify for without a hard credit inquiry, you’re out of luck with Wells Fargo. The bank does offer a calculator where you can explore a potential rate by inputting your preferred terms and credit score tier — but there’s no guarantee how accurate that information will be.

Buenas seguidores de Despierta RD, en esta oportunidad les vamos a hablar sobre los prestamos personales que puedes conseguir en el país para salir de emergencias o situaciones que se presentan de repente y que en muchas ocasiones no estamos preparados para resolverla.
En el banco Scotiabank puedes solicitar el crédito personal que más se adapte a tus necesidades. Asimismo, ofrecen las más competitivas tasas de interés y los montos más atractivos. Por ello, al momento de buscar un crédito, Scotiabank cuenta con solidez y fundamentos garantizados.
En este caso, puedes contar con esta institución si estás necesitando una un coche, un electrodoméstico o estudiar. Si estás buscando información sobre préstamos personales con Scotiabank, debes conocer toda la información que traemos.

Préstamos personales Scotiabank - ¿para qué sirven?

Los préstamos personales Scotiabank los puedes solicitar para una variedad de necesidades. Solicítalo si quieres un coche nuevo, pagar estudios académicos o salir de viaje. Lo mejor es que también puedes hacer su propio negocio, entre otros.
La oferta personal de instrumentos financieros es versátil. Y puedes gestionarlo cómodamente a través de su página web o tu dispositivo móvil. La otra forma es a través de las oficinas ubicadas en las distintas localidades dentro de república dominicana.
Por lo general, no se puede ampliar un préstamo personal con Scotiabank. Si requieres una cantidad de dinero mayor a la ya financiada, deberás solicitar otro nuevo préstamo. Todo dependerá de la evaluación financiera de tu perfil crediticio.

Requisitos generales para los préstamos personales Scotiabank

Para poder solicitar estos instrumentos, es necesario que la entidad realice una revisión de solvencia. Con este propósito, se solicitarán los siguientes requisitos:

Complete los formularios pertinentes dependiendo del tipo de préstamo.
Mayoría de edad para todos los casos.
Presentar copia del documento de identidad.
Cuenta bancaria (algunos servicios no requieren afiliación con el banco).
Si compra un vehículo, requiere la cotización del mismo.
Cualquier tipo de justificante donde se verifiquen los ingresos, como por ejemplo la carta de ingresos si es asalariado.
Si trabajas de forma independiente o autónoma, los estados de cuenta recientes.

Al tener listos el formulario y facilitado los datos puede variar el plazo hasta acomodarte a cuotas que se acoplen a su situación financiera. Dichas cuotas se deben pagar el último día de cada mes para todos los préstamos personales Scotiabank.

Préstamos personales Scotiabank – Los tipos más importantes

Conozcamos de primera mano cuáles son los préstamos personales con Scotiabank más importantes. Para aplicar, debes hacerlo personalmente en las sucursales del banco. Si necesitas saber cuál es la más cercana, en este enlace podrás buscarla. Existen 3 tipos principales que podrás optar con esta institución.

Prestamos personal Scotia Plan

Este préstamo personal destaca de los demás por la rapidez en que puede ser aprobado. Asimismo, tiene el mejor plan, ya que puedes financiar hasta el 100% de aquello que deseas comprar. Entre lo que se puede financiar con este préstamo incluye remodelación, vacaciones, consolidación de deudas o proyectos personales. Y sus características son:

Necesitas una cuenta dentro de la institución.
El plazo para devolver el crédito es hasta 6 años (72 meses).
Tasa de interés fija preferencial de 12% por 3 años.
Pagos mensuales debitados directamente de la cuenta.

Préstamos personales para vehículos de Scotiabank

Si deseas cambiar el carro por uno más actual o con tecnología ambiental, Scotiabank es el banco que necesitas. Según el vehículo que estés aspirando, sea nuevo o usado, los préstamos personales en Scotiabank se amoldan a tu necesidad. Dentro de las características generales se tienen:

Ser cliente de Scotiabank.
Tasa de interés fija del 8% por 3 años.
Hasta 90% del costo del vehículo.
El tiempo de devolución es hasta 7 años.
No recibes penalización alguna si realizas anticipos de capital.
Puedes domiciliar la nómina para contar con una mejor tasa.
El seguro de auto está incluido dentro de la cuota mensual.
Es importante acotar que para vehículos nuevos pedirán el endoso de la póliza de seguros.

Préstamo educativo Scotiabank

Este préstamo es el uno de los más solicitados. Tienen la tasa de interés más competitiva del mercado con los plazos más cómodos para pagarlo. Para mayor información puede recibir asesoría directamente en las agencias del banco.
Además de los requisitos arriba mencionados, requerirás la cotización actualizada de la anualidad de la colegiatura. Debe ser emitida por la institución donde realizas tus estudios. Entre los beneficios de esta cuenta se tienen:

Tasas más estables a mayor plazo del préstamo.
Sin penalidades por abonar a capital adeudado.

Gastos asociados con los préstamos personales

En este punto te damos un resumen de los gastos adicionales que tendrás a la hora de solicitar un préstamo personal con Scotiabank.

Gastos administrativos: los préstamos personales sin garantía tienen un costo de gastos administrativos de RD$ 3950. Con respecto a los préstamos de vehículos, este monto sube hasta los RD$ 7000.
Gastos legales: RD$ 850 para préstamos sin garantía (ciertas condiciones aplican). Con respecto a préstamos vehiculares, este costo aumenta hasta los RD$ 6800.
En caso de mora, todos los préstamos de tipo personal tienen un interés del 5%.

Opiniones de los préstamos personales Scotiabank

Un banco plenamente confiable. Las opiniones de los clientes que han tomado parte en la solicitud y posterior aprobación manifiestan una entera satisfacción. En cuanto a su aplicación digital, la interfaz es excelente y su diseño muy fresco y minimalista. Y es completamente gratuita. A través de ella se pueden gestionar todos los pagos y verificación de la deuda de forma actualizada.