A new tool from Popular that allows you view your credit history and monitor your score - free of charge!
See your VantageScore® provided by Experian® and understand the factors that may affect it.
See your VantageScore® provided by Experian® and understand the factors that may affect it.
Stay informed about activities on your credit report.
Stay informed about activities on your credit report.
Explore different scenarios and understand the potential impact on your credit score.
Explore different scenarios and understand the potential impact on your credit score.
Select an option to discover our credit tips.
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Explore more articles related to credit.
Some people, including those in young adulthood, prefer to avoid the subject of credit altogether because it seems too complicated for them and they don’t think it’s worth much attention.
Credit inquiries, or credit checks, occur when a financial institution reviews your credit report in connection with applications for loans, mortgages, credit cards, or other financial products.
Fraud has become a huge problem for businesses and consumers who use credit and debit cards.
You can view your report and check your credit score on the Mi Crédito platform. By signing up, you will be able to access your history, receive alerts, understand what affects your score, use the Score Simulator, and more. Sign up and log in to Mi Crédito here.
When you apply for a loan, mortgage, credit card, or other financial product, the financial institution reviews your credit report. This review is called a credit inquiry. There are two main types of credit inquiries. Read this article to learn about the types and how they affect your score.
Some of the factors considered when calculating your credit score include: your payment history, the age of your accounts, balances, and how you use your current credit products, among others. Learn more on the blog.
FICO Score® and VantageScore® are credit scoring models that assign a score based on the information in your credit report. Mi Crédito uses the VantageScore® model, which ranges from 300 to 850. To learn more about this model and view your score, sign up for Mi Crédito.
To improve your credit score, we recommend thoroughly reviewing your report, understanding the main factors currently affecting your score, and creating a plan to improve when needed. In general, it’s advised to make payments on time, use credit responsibly, and keep balances low. You can monitor your score, review your report, and identify the factors impacting your score with Mi Crédito.
Yes, for additional questions about the tool’s functionality or to report any issue, you may call 787-763-3055 or 844-763-3055 (toll-free).
To view the list of the frequently asked questions, please visit our Help Center.
Service offered by Banco Popular de Puerto Rico. Member FDIC. Certain restrictions may apply.
The information shown in 'Mi Crédito' is your score based on the VantageScore® model, provided by Experian®, and may differ from other credit scores. Banco Popular de Puerto Rico and other lenders may use different scoring models and additional information to make credit decisions. The availability of this tool and certain features depends on our ability to obtain your credit history from Experian and whether you have sufficient credit history. All credit applications are subject to approval based on the Bank’s established criteria.
Some monitoring and alerts may not be available to you if the information you provide during enrollment does not match the information in your credit file (or if you do not have an existing file) with one or more consumer reporting agencies. These alerts may be affected by various factors including technical failures, capacity limitations, and/or internet accessibility.
