Qué es un puntaje de crédito y por qué importa

What Is a Credit Score?

A credit score is a three-digit number (typically 300–850) that represents your creditworthiness. Lenders, landlords, and even employers use this number to assess financial risk.

How Credit Scores Are Calculated

Your credit score is based on five key factors:

Payment History (35%) — Have you paid bills on time? Late payments, collections, and bankruptcies hurt this factor most.

Credit Utilization (30%) — How much of your available credit are you using? Keep this below 30%, ideally under 10%.

Length of Credit History (15%) — Older accounts help your score. Don't close your oldest credit card.

Credit Mix (10%) — Having different types of credit (cards, loans, mortgage) shows you can manage various debts.

New Credit Inquiries (10%) — Too many applications in a short period signal risk.

Why Your Score Matters for Business Owners

As a small business owner, your personal credit score directly impacts:

Business loan approvals — Most lenders check personal credit for businesses under 2 years old

Interest rates — A 100-point difference can mean thousands in extra interest

Vendor terms — Suppliers may offer net-30 or net-60 terms based on your personal score

Commercial leases — Landlords check owner credit for business space

Score Ranges

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Pro Tip: If your score is below 670, CreditBooster's $1 scan can identify exactly which negative items are dragging it down and create a removal roadmap.

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