historial crediticio
/istoɾjal kɾeditiθjo/from spelling rules
The English phrase 'credit score' can be translated into Spanish as historial crediticio.
In Spanish, the term used to describe a credit score often depends on whether you are referring to the person's overall record or the specific numerical value. While historial crediticio is a common way to discuss this concept, the specific numerical 'score' itself is often called puntaje de crédito in many Spanish-speaking regions. Another common alternative for the score is puntaje crediticio.
Meaning: measure of credit risk usually for a consumer (noun)
What does it mean word for word?
The phrase historial crediticio literally translates to 'credit history' rather than 'credit score'.
Which one should you use?
There are several ways to express this concept depending on the context and desired level of formality. Puntaje de crédito and puntaje crediticio are used to refer to the specific numerical score. In contrast, historial crediticio refers more broadly to the history of credit. For formal contexts, you may use Puntuación de crédito or Calificación crediticia.
Is it said differently in some regions?
In Mexico, the term Buró de crédito refers to a Credit Bureau, but it is often informally associated with one's credit score.
How do you pronounce it?
/istoɾjal kɾeditiθjo/
Did you know?
- In several Spanish-speaking regions, instead of a mathematical score, people might rely on referencias. This shifts the concept of creditworthiness from a calculated number to the strength of one's personal or professional recommendations.
- In Mexico, saying someone está en el Buró is a warning of bad credit, even though the bureau tracks positive histories too.
- The word historial is often confused with historia, but they are not interchangeable. Use historial for a formal, documented track record like a credit history, whereas historia refers to general historical events or stories.
Examples in context
- Mi puntuación de crédito es excelente, por lo que obtuve una tasa de interés muy baja.My credit score is excellent, so I got a very low interest rate.
- La calificación crediticia del solicitante es suficiente para obtener la aprobación del préstamo.The applicant's credit score is sufficient to get loan approval.
- Nuestra valoración de crédito nos permitió acceder a una línea de crédito más amplia.Our credit score allowed us to access a higher credit limit.
- Tengo un buen puntaje de crédito, así que pude obtener un préstamo fácilmente.I have a good credit score, so I was able to get a loan easily.
- Tu historial crediticio es muy bueno.Your credit score is very good.
- Un mal historial crediticio dificulta los préstamos.A bad credit score makes loans difficult.
Example conversation
María and Daniel are discussing a loan application at a cafe.
- María¿Ya revisaste tu historial crediticio, Daniel?Have you checked your credit score yet, Daniel?
- DanielSí, María, parece que está en orden.Yes, María, it seems to be in order.
- MaríaEso es genial para pedir el préstamo.That is great for applying for the loan.
- DanielEspero que el banco lo apruebe.I hope the bank approves it.
Sources
- IPA marked “from spelling rules” is derived from standard Spanish spelling, where Wiktionary gives none.
