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\"hard credit pull\" and \"hard credit inquiry\"

Spanish translation: Consulta incidente

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
English term or phrase:hard credit pull and hard credit inquiry
Spanish translation:Consulta incidente
Entered by: lorenab23

04:40 May 7, 2016
English to Spanish translations [PRO]
Bus/Financial - Automotive / Cars & Trucks / Auto Insurance
English term or phrase: \"hard credit pull\" and \"hard credit inquiry\"
I need both of these terms translated. It's in reference to completing a form to get real rates from real lenders when purchasing a car. Is there a specific translation in Spanish for both of these terms?

Context:
You understand that by clicking on the next button immediately following this notice, you are providing x to x under the Fair Credit Reporting Act to conduct a credit inquiry (known as a “hard credit pull” or “hard credit inquiry”), a standard step in most loan applications. This inquiry will be recorded on your credit history and may impact your credit score.
Pacifican
United States
Local time: 19:11
Consulta incidente
Explanation:
In Spanish is just known with one name so we cannot make up another one just to satisfied the English. In your case both terms in parentheses will be translated with just one.

This comes from the Consumer Financial Protection Bureau

P:¿Qué es una indagación de crédito?

R:Una indagación se refiere a una solicitud para mirar su informe de crédito y por lo general se clasifica en uno de dos tipos:

Consultas incidentes. Por lo general son las consultas realizadas por los prestamistas después de solicitar el crédito. Estas consultas tendrán un impacto en su calificación crediticia debido a que la mayoría de los modelos de calificación crediticia miran qué tan recientemente y con qué frecuencia usted solicita créditos.

Consultas no incidentes. Se trata de revisiones de su expediente de crédito, incluidas revisiones de las cuentas actuales por los prestamistas, consultas de preselección realizadas por posibles prestamistas y sus solicitudes de informe de crédito anual. Estos no cambian su puntaje de crédito.
http://www.consumerfinance.gov/es/obtener-respuestas/c/adqui...

Hard pull

A hard pull is a credit scoring term that describes an initial step taken by lenders in evaluating consumers' loan applications.The potential lender checks the consumer's credit report, which creates a small negative impact on the consumer's credit score. An occasional hard pull has only a small negative impact on a credit score. Hard pulls stay on your credit report for two years. What hurts a credit score most are multiple hard pulls over a long period, which the credit scoring algorithms treat with suspicion, since they could signal hard times have befallen the borrower. A hard pull is also known as a "hard inquiry."


Read more: http://www.creditcards.com/glossary/term-hard-pull.php#ixzz4...
Follow us: @CreditCardsCom on Twitter | CreditCards.com on Facebook
Compare credit cards here - CreditCards.com


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Note added at 10 hrs (2016-05-07 15:21:40 GMT)
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oops to "satisfy"
Selected response from:

lorenab23
United States
Local time: 19:11
Grading comment
¡Buena explicación!
4 KudoZ points were awarded for this answer



Summary of answers provided
3 +2Consulta incidente
lorenab23
4verificación del crédito/preguntas para dar crédito
Juan Arturo Blackmore Zerón


  

Answers


7 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
verificación del crédito/preguntas para dar crédito


Explanation:
En México se usa un Buró de Crédito en donde se archivan y reportan los créditos otorgados y su manejo. Es muy común que se verifique para otorgarse un crédito nuevo. De ahí los datos en una aplicación/solicitud de crédito.

Juan Arturo Blackmore Zerón
Mexico
Local time: 21:11
Native speaker of: Spanish
PRO pts in category: 117
Login to enter a peer comment (or grade)

10 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): +2
Consulta incidente


Explanation:
In Spanish is just known with one name so we cannot make up another one just to satisfied the English. In your case both terms in parentheses will be translated with just one.

This comes from the Consumer Financial Protection Bureau

P:¿Qué es una indagación de crédito?

R:Una indagación se refiere a una solicitud para mirar su informe de crédito y por lo general se clasifica en uno de dos tipos:

Consultas incidentes. Por lo general son las consultas realizadas por los prestamistas después de solicitar el crédito. Estas consultas tendrán un impacto en su calificación crediticia debido a que la mayoría de los modelos de calificación crediticia miran qué tan recientemente y con qué frecuencia usted solicita créditos.

Consultas no incidentes. Se trata de revisiones de su expediente de crédito, incluidas revisiones de las cuentas actuales por los prestamistas, consultas de preselección realizadas por posibles prestamistas y sus solicitudes de informe de crédito anual. Estos no cambian su puntaje de crédito.
http://www.consumerfinance.gov/es/obtener-respuestas/c/adqui...

Hard pull

A hard pull is a credit scoring term that describes an initial step taken by lenders in evaluating consumers' loan applications.The potential lender checks the consumer's credit report, which creates a small negative impact on the consumer's credit score. An occasional hard pull has only a small negative impact on a credit score. Hard pulls stay on your credit report for two years. What hurts a credit score most are multiple hard pulls over a long period, which the credit scoring algorithms treat with suspicion, since they could signal hard times have befallen the borrower. A hard pull is also known as a "hard inquiry."


Read more: http://www.creditcards.com/glossary/term-hard-pull.php#ixzz4...
Follow us: @CreditCardsCom on Twitter | CreditCards.com on Facebook
Compare credit cards here - CreditCards.com


--------------------------------------------------
Note added at 10 hrs (2016-05-07 15:21:40 GMT)
--------------------------------------------------

oops to "satisfy"

lorenab23
United States
Local time: 19:11
Native speaker of: Native in EnglishEnglish, Native in SpanishSpanish
PRO pts in category: 24
Grading comment
¡Buena explicación!

Peer comments on this answer (and responses from the answerer)
agree  Pacelli
2 hrs
  -> Thank you :-)
agree  JohnMcDove
3 hrs
  -> Thank you Johncito =)
Login to enter a peer comment (or grade)



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