historial crediticio
/istoɾjal kɾeditiθjo/from spelling rules
The English phrase "credit history" is translated into Spanish as historial crediticio.
What does it mean word for word?
The phrase is composed of historial (history/record) and crediticio (credit-related).
How does it change in a sentence?
The adjective crediticio must follow the noun historial and must agree in gender (masculine) and number (singular).
How do you pronounce it?
/istoɾjal kɾeditiθjo/
Did you know?
- In some Latin American countries, the term buró de crédito has become a colloquial synonym for a bad credit history. A person might say they are estando en el buró to mean they are blacklisted from borrowing.
- The word historial refers to a chronological record, whereas the word historia refers to the narrative or the academic study of the past. Using historia crediticia would sound like a story about credit rather than a financial report.
- Unlike in the US or UK, many Spanish-speaking countries do not have a centralized 'credit score' number. Instead, lenders check a buró de crédito or central de riesgo to see if a person has a history of unpaid debts.
Examples in context
- Mi historial crediticio es impecable.My credit history is impeccable.
- Necesitamos verificar sus antecedentes crediticios antes de aprobar su solicitud.We need to verify your credit history before approving your application.
- Tengo que verificar mi historial de crédito antes de solicitar un préstamo.I have to check my credit history before applying for a loan.
- Necesitas mejorar tu historial crediticio.You need to improve your credit history.
- El banco revisó mi historial crediticio.The bank checked my credit history.
- Tener un buen historial crediticio es importante.Having a good credit history is important.
Example conversation
Sofía and Mateo are discussing a car loan at a cafe.
- Sofía¿Te aprobaron el préstamo para el coche?Did they approve the loan for the car?
- MateoNo, dicen que mi historial crediticio es malo.No, they say my credit history is bad.
- SofíaEso es una lástima, Mateo.That is a shame, Mateo.
- MateoSí, tendré que esperar un poco.Yes, I will have to wait a bit.
Sources
- IPA marked “from spelling rules” is derived from standard Spanish spelling, where Wiktionary gives none.
