信用スコア
shin'yō sukoa
The English phrase "credit score" is translated into Japanese as 信用スコア (shin'yō sukoa).
This term refers to a measure of credit risk, typically used in the context of a consumer.
Meaning: measure of credit risk usually for a consumer (noun)
Which one should you use?
Both 信用スコア and クレジットスコア can be used to express the concept of a credit score.
How do you pronounce it?
shin'yō sukoa
Did you know?
- Some modern Japanese apps use スコア to gamify credit, awarding points for non-financial habits like walking or studying. This creates a 'social credit' feel that differs from traditional bank loans.
- In Japan, your 'credit' is not just a number but is deeply tied to the concept of 信用, a word that encompasses both financial reliability and a person's moral trustworthiness.
- While 信用スコア is common, Japan does not have a single universal credit scoring system like the FICO system in the United States. Instead, multiple private agencies manage different types of credit data.
Examples in context
- 私の クレジットスコア は低いです。My credit score is low.
- 銀行は 信用スコア を確認します。The bank checks the credit score.
- 信用スコアを確認したいです。Shinyō sukora o kakunin shitai desu.I want to check my credit score.
- 彼の信用スコアは高いです。Kare no shinyō sukora wa takai desu.His credit score is high.
- 信用スコアが下がってしまいました。Shinyō sukora ga sagatte shimaimashita.My credit score went down.
Example conversation
Hiyori and Daito are talking about buying a new car.
- 陽葵 Himari大翔さんは、もう信用スコアを確認しましたか？Daitō-san wa, mō shin'yō sukoa o kakunin shimashita ka?Daito, have you checked your credit score yet?
- 大翔 Hirotoまだです。どうしてそんなことを聞くの？Mada desu. Dōshite sonna koto o kiku no?Not yet. Why do you ask?
- 陽葵 Himariローンの金利は信用スコアで決まるからです。Rōn no kinri wa shin'yō sukoa de kimaru kara desu.Because the loan interest rate is determined by your credit score.
- 大翔 Hirotoなるほど。すぐにチェックしてみるよ。Naruhodo. Sugu ni chekku shite miru yo.I see. I'll check it right away.
