consultar el historial crediticio
/konsultaɾ el istoɾjal kɾeditiθjo/from spelling rules
To pull credit in Spanish is consultar el historial crediticio.
The phrase consultar el historial crediticio is used in professional financial contexts, such as when a bank or lender is performing a credit check.
What does it mean word for word?
The phrase is composed of consultar (to consult/check), el historial (the history) and crediticio (credit-related).
Which one should you use?
A common alternative to historial crediticio is reporte de crédito. If you wish to be more specific about the process, you can use the formal phrases Revisar el historial de crédito (check the credit history), Solicitar el informe de crédito (request the credit report) or Obtener el informe crediticio (obtain the credit report).
How do you pronounce it?
/konsultaɾ el istoɾjal kɾeditiθjo/
What mistakes should you avoid?
Avoid saying sacar el crédito to mean pulling a credit report. In Spanish, sacar el crédito actually means to obtain/get a loan.
Did you know?
- In many Spanish-speaking countries, the phrase estar en el buró is used colloquially to mean someone has a bad credit score or is blacklisted from loans. It does not simply mean their record exists, but that it is negative.
- While consultar el historial crediticio is standard in banking, many Spanish speakers use the term buró de crédito to refer to the credit report itself. This is a shorthand reference to the 'Bureau de Crédito', the agency that manages the data.
- While English uses the physical metaphor 'pull' for a credit report, Spanish uses consultar, which implies seeking advice or professional deliberation.
Examples in context
- Necesito revisar mi historial de crédito, por favor.I need to pull my credit, please.
- Claro, puedo solicitar su informe de crédito para usted.Sure, I can pull your credit report for you.
- ¿Sabes si pueden verificar mi historial de crédito para obtener un préstamo?Do you know if they can pull my credit to get a loan?
- Sí, puedes pedir tu reporte de crédito en el banco.Yes, you can ask for your credit report at the bank.
- Necesito consultar el historial crediticio de los solicitantes.I need to pull the credit history of the applicants.
- Antes de dar el préstamo, voy a consultar el historial crediticio.Before giving the loan, I am going to pull the credit history.
- ¿Puedo consultar el historial crediticio de su empresa?Can I pull your company's credit history?
Example conversation
A loan officer is talking to a client at a bank.
- LucíaAlejandro, necesito consultar el historial crediticio para procesar esto.Alejandro, I need to pull your credit to process this.
- AlejandroEstá bien, Lucía. ¿Afectará eso mi puntuación?That is fine, Lucía. Will that affect my score?
- LucíaNo te preocupes, es solo una consulta rápida.Don't worry, it is just a quick check.
- AlejandroPerfecto, adelante con el trámite.Perfect, go ahead with the process.
Sources
- IPA marked “from spelling rules” is derived from standard Spanish spelling, where Wiktionary gives none.
