Personal blog on early retirement, selling tradelines, and analytics projects. I write about what I learn as I am learning it.
Ser usuario autorizado en una tarjeta de crédito es una de las formas más rápidas de construir o mejorar tu historial crediticio, y sin embargo, mucha gente no sabe bien cómo funciona. No tienes que abrir una cuenta nueva ni calificar por tu propio crédito — simplemente te agregan a la cuenta de otra persona y los bureaus de crédito registran ese historial como si fuera tuyo. Suena sencillo, y en su mayor parte lo es.
Me hacen esta pregunta frecuentemente — generalmente después de que alguien recibió un rechazo en una solicitud de préstamo o apartamento y no sabe bien por dónde empezar. La respuesta honesta es que sí se puede reparar el crédito, pero las tácticas que más se mencionan son también las más lentas. Aquí te explico qué mueve el puntaje de verdad, y en qué orden tiene sentido atacarlo.
[Relacionado: compre tradelines aquí o lea la sección “Recursos” al final]
Continue reading “¿Cómo reparar mi crédito? Lo que realmente funciona”
People ask me this in the context of tradelines pretty often — they’re sitting somewhere in the 580–669 range, they know it’s not great, and they want to understand what they’re actually dealing with before deciding whether to do anything about it. So here’s the practical answer on what a fair credit score means, where it limits you, and what actually moves you out of it.
Continue reading “What Is a Fair Credit Score — and What Can You Do?”
“Set for Life” by Scott Trench is one of those books that’s more useful in your late twenties than your late thirties, which isn’t a knock — it’s just the honest audience. Trench built his framework from his own experience going from broke recent grad to financially independent relatively quickly, and the whole book is oriented around aggressive early-stage wealth-building. If you’re past that stage, you’ll still find useful ideas, but the action items are most relevant when you’re starting from zero.
I ported out of Google Fi after using it for a few years, and the process was smoother than I expected — once I understood what information I needed upfront. The main thing that trips people up is not having their account number and PIN ready before they contact the new carrier. Get those two pieces of information first and the rest is straightforward. This post is a companion to my Google Fi review for anyone who’s already decided to leave and just needs to know how.
