consulta blanda
/konsulta blanda/from spelling rules
The English phrase "soft credit check" is translated into Spanish as consulta blanda.
consulta blanda refers to a credit inquiry that does not affect the consumer's credit score.
Which one should you use?
While consulta blanda describes a soft credit check, the term consulta dura is used to describe a "hard inquiry," which is the direct antonym referring to a credit check that does affect a credit score.
Did you know?
- While consulta blanda is used in finance, the word consulta is most commonly used in Spanish to describe a doctor's appointment or a medical visit.
- Because the 'soft' versus 'hard' distinction is rooted in Anglo-American banking, using consulta blanda in some Spanish-speaking countries may require extra explanation to a local banker.
- In Spanish, the word consulta can refer to a physical location, such as a doctor's office or a clinic, rather than just the act of asking a question.
Example conversation
Javier is asking María about a loan application.
- JavierMaría, ¿esto afectará mi historial crediticio?María, will this affect my credit history?
- MaríaNo, Javier, es solo una consulta blanda.No, Javier, it is just a soft credit check.
- JavierEntonces puedo aplicar sin miedo.Then I can apply without fear.
- MaríaSí, no bajará tu puntaje.Yes, it won't lower your score.
Sources
- IPA marked “from spelling rules” is derived from standard Spanish spelling, where Wiktionary gives none.
