soft credit check, hard credit check

< Previous | Next >


Senior Member
U.S. English
Greetings Forum Goers!

What's the difference between a soft credit check and a hard credit check and how do you say the two terms in Spanish.

Gracias de antemano.
  • Ayutuxtepeque

    Español salvadoreño
    Hi MybadSelf:

    "Soft credit check" and "hard credit check" are typical terms used in the American credit system jargon.:)

    Both terms refers to credit inquiries on credit reports, but the main difference among them is the degree of impact on the individual credit score.

    A soft credit inquiry does not affect the credit score; on the contrary, a hard credit check usually has negative consequences for the credit score.

    If you want to learn more about these terms, please click on any of the following links:

    Difference Between Soft Credit Check and Hard Credit Check

    Soft credit check vs. hard credit check

    Regarding the translation into Spanish, as far as I know, there are not "standard translations" for those terms, however, and in my opinion, I´d suggest:

    Soft credit checkRevisión de historial crediticio sin afectar puntaje (de crédito).

    Hard credit check → Revisión de historial crediticio con afectación de puntaje (de crédito).

    I hope this helps you:)

    Un saludo.
    < Previous | Next >