{"id":2882,"date":"2025-04-21T22:31:11","date_gmt":"2025-04-21T19:31:11","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=2882"},"modified":"2025-04-21T22:31:22","modified_gmt":"2025-04-21T19:31:22","slug":"scor-biroul-de-credit-2","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/","title":{"rendered":"Scor Biroul de Credit: ce este, cum se calculeaz\u0103 \u0219i de ce conteaz\u0103"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 10<\/span> minute<\/span><\/span>

\u00cen lumea finan\u021belor personale, termenul \u201escor Biroul de Credit\u201d a devenit tot mai prezent. Pentru mul\u021bi, el reprezint\u0103 un obstacol sau o necunoscut\u0103 atunci c\u00e2nd vine vorba de accesarea unui credit. \u00cen realitate, scorul de la Biroul de Credit este un instrument esen\u021bial pentru b\u0103nci \u0219i alte institu\u021bii financiare \u00een evaluarea riscului de creditare. \u00cen\u021belegerea modului \u00een care func\u021bioneaz\u0103 acest scor poate ajuta orice solicitant s\u0103 ia decizii mai bune \u0219i s\u0103 \u00ee\u0219i \u00eembun\u0103t\u0103\u021beasc\u0103 \u0219ansele de a ob\u021bine un \u00eemprumut.<\/p>\n

Ce este Biroul de Credit?<\/p>\n

Biroul de Credit este o institu\u021bie privat\u0103 \u00eenfiin\u021bat\u0103 \u00een Rom\u00e2nia \u00een 2004, av\u00e2nd ca scop principal colectarea, prelucrarea \u0219i distribuirea informa\u021biilor despre istoricul de credit al persoanelor fizice. \u00cen mod simplu, este o baz\u0103 de date \u00een care sunt \u00eenregistrate informa\u021biile relevante privind rela\u021biile dintre clien\u021bi \u0219i institu\u021biile financiare (b\u0103nci, IFN-uri, societ\u0103\u021bi de leasing etc.).<\/p>\n

Scopul Biroului de Credit este s\u0103 ajute creditorii s\u0103 evalueze corect riscul asociat fiec\u0103rui solicitant de credit. Practic, dac\u0103 o persoan\u0103 a \u00eent\u00e2rziat la plata unui \u00eemprumut sau a avut comportament financiar nesustenabil, acest lucru va fi reflectat \u00een raportul generat de Biroul de Credit.<\/p>\n

V\u0103 invit\u0103m s\u0103 citi\u021bi \u0219i articolul nostru Interpretarea scorului de la Biroul de Credit<\/p>\n

Ce este Scorul de Credit?<\/span><\/h3>\n

Scorul Biroului de Credit este un indicator numeric care reflect\u0103 comportamentul de plat\u0103 al unei persoane. Acesta are valori cuprinse \u00eentre 300 \u0219i 850 \u0219i este calculat pe baza mai multor factori extra\u0219i din istoricul de credit al persoanei respective.<\/p>\n

Cu c\u00e2t scorul este mai mare, cu at\u00e2t riscul perceput de institu\u021biile financiare este mai mic. Astfel, o persoan\u0103 cu un scor ridicat are \u0219anse mai mari s\u0103 ob\u021bin\u0103 un credit \u0219i \u00een condi\u021bii mai avantajoase.<\/p>\n

Cum se calculeaz\u0103 scorul biroului de credit?<\/p>\n

Scorul biroului de credit nu este stabilit arbitrar. El este calculat automat, utiliz\u00e2nd un algoritm complex care \u021bine cont de urm\u0103torii factori principali:<\/p>\n

1. Istoricul de plat\u0103 (35%)<\/b><\/p>\n

Cel mai important factor este respectarea termenelor de plat\u0103. \u00cent\u00e2rzierile sau restan\u021bele afecteaz\u0103 serios scorul.<\/p>\n

2. Gradul de \u00eendatorare (30%)<\/b><\/p>\n

Raportul dintre sumele utilizate \u0219i limitele aprobate este esen\u021bial. Utilizarea excesiv\u0103 a liniilor de credit poate semnala un risc mai mare.<\/p>\n

3. Durata istoricului de credit (15%)<\/b><\/p>\n

Cu c\u00e2t o persoan\u0103 are mai mult\u0103 experien\u021b\u0103 de creditare (mai ales pozitiv\u0103), cu at\u00e2t scorul cre\u0219te.<\/p>\n

4. Tipurile de credite accesate (10%)<\/b><\/p>\n

Diversitatea tipurilor de \u00eemprumuturi (carduri, credite personale, auto, ipotecare) arat\u0103 o experien\u021b\u0103 variat\u0103 \u00een gestiunea creditului.<\/p>\n

5. Num\u0103rul de solicit\u0103ri recente (10%)<\/b><\/p>\n

Solicit\u0103rile frecvente de credite \u00eentr-o perioad\u0103 scurt\u0103 pot semnala instabilitate financiar\u0103 \u0219i afecteaz\u0103 negativ scorul.<\/p>\n

Aici pute\u021bi afla mai multe despre rolul Biroului de Credit: FICO Score \u0219i rolul Biroului de Credit: Ghid complet<\/b><\/a>.<\/p>\n

De ce este important scorul Biroului de Credit?<\/p>\n

Scorul biroului de credit este unul dintre cele mai importante criterii analizate de b\u0103nci atunci c\u00e2nd iau o decizie privind acordarea unui credit. Acesta influen\u021beaz\u0103 \u0219ansele de aprobare a cererii, condi\u021biile de acordare, durata procesului de analiz\u0103.<\/p>\n

De asemenea, scorul biroului de credit este utilizat \u0219i \u00een alte contexte, precum aprobarea cardurilor de credit, a contractelor de leasing sau chiar \u00een anumite procese comerciale care implic\u0103 analiza bonit\u0103\u021bii.<\/p>\n

Cum po\u021bi verifica scorul personal?<\/h3>\n

Orice persoan\u0103 are dreptul legal de a solicita gratuit, o dat\u0103 pe an, raportul propriu de la Biroul de Credit. Cererea se poate face online, prin completarea unui formular \u0219i transmiterea unei copii a actului de identitate.<\/p>\n

Este important de re\u021binut c\u0103 acest raport nu afecteaz\u0103 scorul \u2013 consultarea proprie nu este considerat\u0103 o interogare \u00een scop de creditare.<\/p>\n<\/div><\/div><\/div><\/div><\/div>

\"articol<\/span><\/div><\/div><\/div>

Ai nevoie de un credit ipotecar?<\/h4><\/div>

Specialistul in creditare este persoana care iti expune toate variantele de credit potrivite pentru profilul tau si se ocupa de intregul tau dosar si te poate ajuta cu accesarea oricarui tip de credit si este persoana de legatura dintre tine si banca.<\/p>\n<\/div>

VEZI OFERTELE PENTRU CREDIT IPOTECAR<\/span><\/a><\/div><\/div><\/div><\/div><\/div>

Cum poate fi \u00eembun\u0103t\u0103\u021bit scorul biroului de credit?<\/p>\n

Chiar dac\u0103 o persoan\u0103 porne\u0219te cu un scor mic, acesta poate fi \u00eembun\u0103t\u0103\u021bit \u00een timp. Iat\u0103 c\u00e2teva strategii utile:<\/p>\n

1. Plata la timp a ratelor <\/b>\u2013 chiar \u0219i o \u00eent\u00e2rziere de c\u00e2teva zile poate fi raportat\u0103.<\/p>\n

2. Evitarea gradului mare de utilizare a creditului <\/b>\u2013 e recomandat s\u0103 nu se utilizeze peste 30-40% din limitele aprobate.<\/p>\n

3. Accesarea moderat\u0103 a creditelor <\/b>\u2013 evitarea cererilor frecvente \u00eentr-un timp scurt.<\/p>\n

4. Men\u021binerea conturilor vechi deschise <\/b>\u2013 istoricul lung de credit, mai ales pozitiv, este benefic.<\/p>\n

5. Verificarea raportului periodic <\/b>\u2013 pot exista erori care pot fi contestate.<\/p>\n

\u00cembun\u0103t\u0103\u021birea scorului nu este instantanee, dar consecven\u021ba \u00een comportamentul financiar va avea rezultate vizibile \u00een timp.<\/p>\n

Mai mult einformatii pute\u021bi vedea \u00een articolul Cum influen\u021beaz\u0103 scorul Biroului de Credit aprobarea creditului t\u0103u? <\/b><\/a><\/p>\n

Scorul biroului de credit \u0219i creditele respinse<\/p>\n

Una dintre cele mai frecvente cauze ale refuzului unui credit este scorul de credit sc\u0103zut. B\u0103ncile nu au obliga\u021bia de a comunica exact punctajul minim acceptat, dar \u00een general, un scor sub 550 este considerat riscant.<\/p>\n

\u00cen cazul unui refuz, solicitantul poate cere explica\u021bii \u0219i poate verifica raportul pentru a \u00een\u021belege ce anume a influen\u021bat decizia negativ\u0103. Restan\u021bele mari sau repetate, frecven\u021ba solicit\u0103rilor \u0219i lipsa unui istoric de credit pot fi factori decisivi.<\/p>\n

Concluzie<\/span><\/h2>\n

Scorul Biroului de Credit este un instrument esen\u021bial \u00een peisajul financiar actual. El ofer\u0103 o imagine obiectiv\u0103 asupra comportamentului de plat\u0103 al unei persoane \u0219i influen\u021beaz\u0103 direct deciziile institu\u021biilor financiare. \u00cen\u021belegerea modului \u00een care func\u021bioneaz\u0103 acest scor \u0219i a factorilor care \u00eel influen\u021beaz\u0103 este cheia c\u0103tre o gestionare s\u0103n\u0103toas\u0103 a finan\u021belor personale \u0219i c\u0103tre ob\u021binerea celor mai bune condi\u021bii de creditare.<\/p>\n

Pentru oferte personalizate, colegii no\u0219tri din toat\u0103 \u021bara v\u0103 stau la dispozi\u021bie acces\u00e2nd aici.<\/p>\n<\/div><\/div><\/div><\/div><\/div>

<\/span><\/a><\/span>
<\/i><\/div>

Ai nevoie de p\u0103rerea unui specialist \u00een credite?<\/h3><\/a><\/div>
<\/div>
\n

Un specialist \u00een credite \u00ee\u021bi va oferi consultan\u021b\u0103 \u0219i solu\u021bii financiare legate de ob\u021binerea \u0219i gestionarea creditului t\u0103u.<\/p>\n<\/div>

<\/div>Consult\u0103 un specialist<\/span><\/a>
<\/div><\/div><\/div>
<\/i><\/div>

Vrei s\u0103 afli c\u00e2t po\u021bi s\u0103 \u00eemprumu\u021bi? <\/h3><\/a><\/div>
<\/div>
\n

Verific\u0103 care este suma pe care o po\u021bi primi, ce rat\u0103 \u021bi se potrive\u0219te \u0219i care este gradul t\u0103u de \u00eendatorare acces\u00e2nd calculatorul de \u00eemprumut.<\/p>\n<\/div>

<\/div>C\u00e2t pot s\u0103 \u00eemprumut<\/span><\/a>
<\/div><\/div><\/div>
<\/i><\/div>

Ai nevoie de refinantare pentru creditul t\u0103u?<\/h3><\/a><\/div>
<\/div>
\n

Refinan\u021beaz\u0103 creditul t\u0103u ipotecar sau Noua Cas\u0103 \u0219i transform\u0103 dob\u00e2nda variabil\u0103 \u00een dob\u00e2nd\u0103 fix\u0103 sau ob\u021bine o rat\u0103 mai mic\u0103.<\/p>\n<\/div>

<\/div>Refinan\u021beaz\u0103 rapid<\/span><\/a>
<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/div>

\u00centreb\u0103ri frecvente<\/b><\/h2>\n
    \n
  1. Poate fi \u0219ters complet istoricul negativ din Biroul de Credit?<\/b><\/li>\n<\/ol>\n

    Nu. Datele negative se p\u0103streaz\u0103 timp de 4 ani de la achitarea integral\u0103 a creditului restant. Dup\u0103 aceast\u0103 perioad\u0103, sunt automat eliminate f\u0103r\u0103 a fi nevoie de solicit\u0103ri suplimentare.<\/p>\n

      \n
    1. Se poate corecta o gre\u0219eal\u0103 din raportul Biroului de Credit?<\/b><\/li>\n<\/ol>\n

      Da. Se poate depune o contesta\u021bie la institu\u021bia care a transmis informa\u021bia. Dac\u0103 se confirm\u0103 eroarea, aceasta este rectificat\u0103 \u0219i notificat\u0103 \u00een sistem.<\/p>\n

        \n
      1. Influen\u021beaz\u0103 schimbarea locului de munc\u0103 scorul de credit?<\/b><\/li>\n<\/ol>\n

        Nu direct. Scorul Biroului de Credit nu reflect\u0103 angajatorul sau istoricul profesional. Totu\u0219i, banca poate analiza stabilitatea locului de munc\u0103 separat, \u00een decizia de acordare a creditului.<\/p>\n

          \n
        1. Poate fi consultat scorul Biroului de Credit f\u0103r\u0103 acces la internet?<\/b><\/li>\n<\/ol>\n

          Da. Se poate solicita raportul \u0219i prin po\u0219t\u0103, trimi\u021b\u00e2nd o cerere scris\u0103 \u0219i o copie a actului de identitate la adresa Biroului de Credit.<\/p>\n

            \n
          1. Afecteaz\u0103 garantarea unui credit scorul meu personal?<\/b><\/li>\n<\/ol>\n

            Da. Dac\u0103 devii garant \u0219i creditul este nepl\u0103tit, \u00eent\u00e2rzierea va ap\u0103rea \u0219i \u00een istoricul t\u0103u. Comportamentul titularului poate influen\u021ba negativ scorul garantului.<\/p>\n

              \n
            1. Se ia \u00een calcul istoricul cu furnizorii de utilit\u0103\u021bi \u00een scorul de credit?<\/b><\/li>\n<\/ol>\n

              Nu. Biroul de Credit \u00eenregistreaz\u0103 doar informa\u021bii transmise de institu\u021biile financiare participante. Restan\u021bele la utilit\u0103\u021bi nu influen\u021beaz\u0103 scorul, dar pot avea consecin\u021be legale separate.<\/p>\n<\/div><\/div><\/div><\/div><\/div>

              Alege din cele<\/span> 150+<\/span> de oferte de la <\/span>20+<\/span> institu\u021bii
              \nfinanciare partenere:<\/span><\/p><\/h4><\/div>

              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div>
              \"\"<\/div><\/div><\/div><\/div>
              <\/i><\/div>
              <\/i><\/div><\/div><\/div>
              Aplic\u0103 pentru un credit \u00een mai pu\u021bin de 5 minute<\/span><\/a><\/div><\/div><\/div><\/div><\/div>
              Hai pe 123credit.ro \u0219i ia-\u021bi creditul potrivit pentru tine.<\/h5><\/div>
              Vreau credit!<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"

              Timpul estimat pentru citire: <\/span> 10<\/span> minute<\/span><\/span><\/p>\n","protected":false},"author":14,"featured_media":2883,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54,224,223,53],"tags":[],"class_list":["post-2882","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-ipotecar","category-credite-de-nevoi-personale","category-credite-ipotecare","category-bine-de-stiut"],"yoast_head":"\nScor Biroul de Credit: ce este, cum se calculeaz\u0103 \u0219i de ce conteaz\u0103 - Blogul 123Credit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Scor Biroul de Credit: ce este, cum se calculeaz\u0103 \u0219i de ce conteaz\u0103 - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Timpul estimat pentru citire: 10 minute\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-21T19:31:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-21T19:31:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/04\/Propuneri-vizualuri-Blog-18.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"C\u0103t\u0103lin Fetea\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"C\u0103t\u0103lin Fetea\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/scor-biroul-de-credit-2\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/scor-biroul-de-credit-2\\\/\"},\"author\":{\"name\":\"C\u0103t\u0103lin Fetea\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bfcb4236ba2de73f6201feecd8332ea9\"},\"headline\":\"Scor Biroul de Credit: ce este, cum se calculeaz\u0103 \u0219i de ce conteaz\u0103\",\"datePublished\":\"2025-04-21T19:31:11+00:00\",\"dateModified\":\"2025-04-21T19:31:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/scor-biroul-de-credit-2\\\/\"},\"wordCount\":5050,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/scor-biroul-de-credit-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/Propuneri-vizualuri-Blog-18.jpg\",\"articleSection\":[\"Credit Ipotecar\",\"Credite de nevoi personale\",\"Credite ipotecare\",\"Informatii bine de stiut inainte sa aplici pentru un credit ipotecar\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/scor-biroul-de-credit-2\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/scor-biroul-de-credit-2\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/scor-biroul-de-credit-2\\\/\",\"name\":\"Scor Biroul de Credit: ce este, cum se calculeaz\u0103 \u0219i de ce conteaz\u0103 - Blogul 123Credit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/scor-biroul-de-credit-2\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/scor-biroul-de-credit-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/Propuneri-vizualuri-Blog-18.jpg\",\"datePublished\":\"2025-04-21T19:31:11+00:00\",\"dateModified\":\"2025-04-21T19:31:22+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bfcb4236ba2de73f6201feecd8332ea9\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/scor-biroul-de-credit-2\\\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/scor-biroul-de-credit-2\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/scor-biroul-de-credit-2\\\/#primaryimage\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/Propuneri-vizualuri-Blog-18.jpg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/Propuneri-vizualuri-Blog-18.jpg\",\"width\":940,\"height\":788,\"caption\":\"Scor Biroul de Credit: ce este, cum se calculeaz\u0103 \u0219i de ce conteaz\u0103\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/scor-biroul-de-credit-2\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Scor Biroul de Credit: ce este, cum se calculeaz\u0103 \u0219i de ce conteaz\u0103\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\",\"name\":\"Blogul 123Credit\",\"description\":\"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bfcb4236ba2de73f6201feecd8332ea9\",\"name\":\"C\u0103t\u0103lin Fetea\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg\",\"caption\":\"C\u0103t\u0103lin Fetea\"},\"description\":\"Lucrez \u00een domeniul credit\u0103rii din 2007. Scopul meu este s\u0103 ajut c\u00e2t mai mul\u021bi oameni s\u0103 se mute \u00een c\u0103minul dorit, s\u0103-\u0219i imbun\u0103t\u0103\u021beasc\u0103 via\u021ba \u0219i s\u0103 aib\u0103 pe cineva cu care s\u0103 se consulte atunci c\u00e2nd au nevoie de informa\u021bii sau primesc informatii contradictorii. Urm\u0103resc nu doar cea mai bun\u0103 ofert\u0103 pentru client ci \u0219i u\u0219urarea interac\u021biunii clientului cu banca \u0219i nu numai. Nu este un domeniu u\u0219or, dar recompensa\u00a0este\u00a0pe\u00a0m\u0103sur\u0103.\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/author\\\/catalin_fetea\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Scor Biroul de Credit: ce este, cum se calculeaz\u0103 \u0219i de ce conteaz\u0103 - Blogul 123Credit","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/","og_locale":"ro_RO","og_type":"article","og_title":"Scor Biroul de Credit: ce este, cum se calculeaz\u0103 \u0219i de ce conteaz\u0103 - Blogul 123Credit","og_description":"Timpul estimat pentru citire: 10 minute","og_url":"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/","og_site_name":"Blogul 123Credit","article_published_time":"2025-04-21T19:31:11+00:00","article_modified_time":"2025-04-21T19:31:22+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/04\/Propuneri-vizualuri-Blog-18.jpg","type":"image\/jpeg"}],"author":"C\u0103t\u0103lin Fetea","twitter_card":"summary_large_image","twitter_misc":{"Scris de":"C\u0103t\u0103lin Fetea","Timp estimat pentru citire":"14 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/#article","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/"},"author":{"name":"C\u0103t\u0103lin Fetea","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bfcb4236ba2de73f6201feecd8332ea9"},"headline":"Scor Biroul de Credit: ce este, cum se calculeaz\u0103 \u0219i de ce conteaz\u0103","datePublished":"2025-04-21T19:31:11+00:00","dateModified":"2025-04-21T19:31:22+00:00","mainEntityOfPage":{"@id":"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/"},"wordCount":5050,"commentCount":0,"image":{"@id":"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/04\/Propuneri-vizualuri-Blog-18.jpg","articleSection":["Credit Ipotecar","Credite de nevoi personale","Credite ipotecare","Informatii bine de stiut inainte sa aplici pentru un credit ipotecar"],"inLanguage":"ro-RO","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/","url":"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/","name":"Scor Biroul de Credit: ce este, cum se calculeaz\u0103 \u0219i de ce conteaz\u0103 - Blogul 123Credit","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/#primaryimage"},"image":{"@id":"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/04\/Propuneri-vizualuri-Blog-18.jpg","datePublished":"2025-04-21T19:31:11+00:00","dateModified":"2025-04-21T19:31:22+00:00","author":{"@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bfcb4236ba2de73f6201feecd8332ea9"},"breadcrumb":{"@id":"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/"]}]},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/#primaryimage","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/04\/Propuneri-vizualuri-Blog-18.jpg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/04\/Propuneri-vizualuri-Blog-18.jpg","width":940,"height":788,"caption":"Scor Biroul de Credit: ce este, cum se calculeaz\u0103 \u0219i de ce conteaz\u0103"},{"@type":"BreadcrumbList","@id":"https:\/\/123credit.ro\/blog\/scor-biroul-de-credit-2\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/123credit.ro\/blog\/"},{"@type":"ListItem","position":2,"name":"Scor Biroul de Credit: ce este, cum se calculeaz\u0103 \u0219i de ce conteaz\u0103"}]},{"@type":"WebSite","@id":"https:\/\/123credit.ro\/blog\/#website","url":"https:\/\/123credit.ro\/blog\/","name":"Blogul 123Credit","description":"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/123credit.ro\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ro-RO"},{"@type":"Person","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bfcb4236ba2de73f6201feecd8332ea9","name":"C\u0103t\u0103lin Fetea","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg","caption":"C\u0103t\u0103lin Fetea"},"description":"Lucrez \u00een domeniul credit\u0103rii din 2007. Scopul meu este s\u0103 ajut c\u00e2t mai mul\u021bi oameni s\u0103 se mute \u00een c\u0103minul dorit, s\u0103-\u0219i imbun\u0103t\u0103\u021beasc\u0103 via\u021ba \u0219i s\u0103 aib\u0103 pe cineva cu care s\u0103 se consulte atunci c\u00e2nd au nevoie de informa\u021bii sau primesc informatii contradictorii. Urm\u0103resc nu doar cea mai bun\u0103 ofert\u0103 pentru client ci \u0219i u\u0219urarea interac\u021biunii clientului cu banca \u0219i nu numai. Nu este un domeniu u\u0219or, dar recompensa\u00a0este\u00a0pe\u00a0m\u0103sur\u0103.","url":"https:\/\/123credit.ro\/blog\/author\/catalin_fetea\/"}]}},"_links":{"self":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/2882","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/comments?post=2882"}],"version-history":[{"count":2,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/2882\/revisions"}],"predecessor-version":[{"id":2885,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/2882\/revisions\/2885"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media\/2883"}],"wp:attachment":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media?parent=2882"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/categories?post=2882"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/tags?post=2882"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}