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Existen varios tipos de créditos, como el ejemplo anteriormente mencionado esta el crédito bancario, en el cual se otorga una suma de dinero al solicitante, según sus comprobantes de ingresos, la cual se establece se regresara al banco con determinado monto de interés sobre la suma entregada, en la cual el solicitante elige a que plazo desea saldar la dicha suma, siendo que entre mas corto sea el plazo, el interés es menor.

Los avances en el área de la tecnología han permitido que las empresas crediticias soliciten el historial crediticio de un consumidor mucho mas rápido que anteriormente. Solo tienen que entrar al Internet solicitarlo y se les dará la respuesta. A la vez esto permite que ellos también hagan una toma de decisiones con mucha rapidez.

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