Tanto las compañías como los individuos pueden contraer grandes deudas. Está claro que de igual manera que con la deuda personal, la deuda comercial debe pagarse a los acreedores en tiempo y forma o la compañía podría tener que hacerle frente a ciertas acciones de cobro; incluso, ciertas compañías tienen su propio score crediticio.
En algunos casos este score es dado por una agencia de calificación de riesgo que se dedica a presentar informes de crédito, como por ejemplo Equifax, Experian, TransUnion, Moody's o Standard & Poor's.
A no ser que el dueño de la compañía consiga un crédito en su propio nombre, esta deuda no debería manchar su calificación crediticia personal.
Los score de crédito personales, en algunas ocasiones conocidos por algunos como score FICO (Fair, Isaac and Company), el cual es una metodología para medir la solvencia de una persona que es sujeta de crédito.
La información empleada para calcular el score o puntaje de crédito de una persona está contenida en su historial de crédito. El crédito adquirido a nombre de una compañía no se agrega en su historial y por lo tanto no perjudica la calificación del individuo.
Primeramente es necesario entender que todo préstamo tiene un prestatario o deudor. Por otro lado, se da el caso de que en algunas ocasiones los préstamos adquiridos para sufragar los gastos de las compañías pueden no ser prestados a nombre de la misma compañía; esto ocurre usualmente en negocios pequeños, en el que el propietario del negocio es quien se matricula como prestatario y al mismo tiempo como asegurador del préstamo. En este caso, si el negocio no paga todas las cuotas del préstamo, la calificación crediticia del propietario se verá afectada.
En el caso de compañías clasificadas como corporaciones y compañías de responsabilidad limitada, la calificación crediticia de los propietarios no es afectada por las deudas que se adquieren por parte de la compañía.
Muchas empresas transnacionales también reciben calificaciones crediticias, no obstante, a diferencia de los score que son numéricos, a las grandes empresas se les asignan calificaciones con letras para indicar su solvencia. Estas calificaciones cambian continuamente en función de las fluctuaciones económicas de la empresa.
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Cuantas cosas se aprenden de la duda comercial hoy en día.
no sabía que TransUnion era una empresa internacional
conocia a equifax, y transunion, pero no a Experian. Todos los dias se aprende algo nuevo
No sabía eso de que si yo solicito un crédito a nombre de negocio, no saldré en el buró como titular, muy interesante el dato. Gracias.