consulta dura
/konsulta duɾa/from spelling rules
In Spanish, "hard inquiry" is translated as consulta dura.
A hard inquiry refers to a formal check of a person's credit history by a lender that can affect their credit score.
Which one should you use?
You may encounter more formal variations such as consulta de crédito (credit inquiry) or investigación crediticia when discussing this subject.
Is it said differently in some regions?
In Spain, the phrase consulta de solvencia is used to discuss hard inquiries.
Did you know?
- In Spanish, consulta is the standard word for both a financial credit check and a medical appointment. A person might say they have a consulta with a doctor and a lender on the same day.
- In many Spanish-speaking countries, instead of saying a credit inquiry was 'hard', people often use the word impacto to describe the negative effect an inquiry has on a credit score.
- The word consulta is a direct descendant of the Latin verb cōnsultāre, which literally means 'to take counsel together'.
Examples in context
- Una consulta dura puede bajar tu puntaje.A hard inquiry can lower your score.
Example conversation
María and Javier are discussing a loan application.
- MaríaJavier, ¿sabes si el banco hará una consulta dura?Javier, do you know if the bank will do a hard inquiry?
- JavierSí, normalmente lo hacen para aprobar el préstamo.Yes, they usually do it to approve the loan.
- MaríaMe preocupa que afecte mi historial.I'm worried that it will affect my history.
- JavierNo te preocupes, una sola consulta dura no es grave.Don't worry, a single hard inquiry isn't serious.
Sources
- IPA marked “from spelling rules” is derived from standard Spanish spelling, where Wiktionary gives none.
- Word origins: Wiktionary entries consulta, CC BY-SA 4.0.
