In order to determine your credit rating, Credit Bureaus and Credit Reporting Agencies (also known as Credit Agency) will look at your over-all credit history, which is a record of how a person has borrowed and repaid debt. As part of this review they also look at your credit limits and balances, whether or not you make timely payments, your employment and personal information and whether or not you have a history of past credit problems. Creditors, such as banks and other businesses, use this information to decide whether to issue a loan or extend credit. People who are frequently delinquent (late in making their payments) are considered credit risks. Defaulting (not paying as agreed) on a loan can negatively impact your credit rating.
Ratings of the riskiness of debt and the credit-worthiness of corporate and sovereign borrowers. They are issued by a small number of agencies.... more on: Credit rating
assessment of the creditworthiness of an organisation or country made by credit rating agencies (e.g. Standard and Poors, Moodys or IBCA).
Evaluation by a rating agency of debt issue's investment quality, or of a company's overall ability to repay its debts on time.
evaluation of a corporate or municipal bond's relative credit-worthiness according to the issuer's ability to repay principal and make interest payments. Bonds are rated by various organizations such as Standard & Poor's and Moody's. Ratings range from AAA or Aaa (the highest) to D, which represents a company in default.
A rating given to a person or company based on their creditworthiness or risk profile.
A rating, assigned by a recognized credit rating agency such as Standard & Poor's or Moody's, that reflects a corporation's ability (its "creditworthiness") to repay its obligations and the issued security's credit quality.
The financial standing of a company, government or financial institution relative to others. The credit rating determines what the institution will be charged to raise funds, in relation both to the amount it is able to raise and the interest it will be charged. (See also Australian Ratings, Moody?s, Standard & Poors).
This tracks your or your business' history of paying back loans. Your credit rating determines your chances of getting future loans.
Overall creditworthiness of a borrower. In the U.S. the two main rating agencies are Moody's Investor Service and Standard & Poor's Corporation. A top rating means that there is thought to be almost no risk of the borrower failing to pay interest and principal. As the rating grade falls, the perceived risk grows. Other rating agencies include: Duff & Phelps, Fitch, IBCA, Japanese Bond Research Institute (JBRI), Japanese Credit Rating (JCR), Mikuni, Nippon Investor Services.
A term used to assess a borrower's credit worthiness based on their previous repayment history.
Independent evaluation of a bond's creditworthiness. This measurement is usually calculated through an index compiled by companies such as S&P or Moody's. Bonds with a credit rating of BBB or higher by S&P or Baa or higher by Moody's are generally considered investment grade.
An evaluation of the creditworthiness of a debt security by an independent rating service.
A measure of credit worthiness derived from an analysis of financial statements, performance, etc
A grade (usually a letter grade) assigned to a corporate bond that rates its level of risk for the investor. The rating is often used by banks and investors to determine whether to buy the bond, or whether to loan the corporation money. A higher rating means the company stands a better chance of paying back investors. The three main credit rating firms are Moody's, Standard & Poor's and Fitch.
Every piece of credit history information in your credit file is assigned a rating by the credit grantor. The most common ratings are "R" ratings. These are known as North American Standard Account Ratings and are the most frequently used. The "R" indicates that the item being described involves revolving credit. If you always pay on time, it will be coded an R1. If an amount was written off because you never paid it back, it is coded R9. The R ratings are a coding system that translates "on time", "one month late", "two months late", etc., into two-digit codes. *source Equifax Canada
Your credit rating shows your credibility to pay off your debts. It is a grading or ranking provided to you by credit agencies.
A rating or score that determines one's ability to meet debt obligations and one's credit worthiness.
A rating given by the lender over your credit history whether you have a good credit or poor credit score .
A financial institution's evaluation of whether a person is suitable to receive credit. Credit ratings are based on an individual's character, capacity to repay, and capital.
a measure of a security's likelihood of default
a measure of how dependable you are in repaying your debts
a measure of your credit-worthiness
an assessment by a third party of the creditworthiness of an issuer of financial securities
an assessment made by an independent, professional rating agency, of a bank's future ability to repay its debt (such as the money it owes to depositors) and of its general financial soundness
an assessment of a company's credit-worthiness
an assessment of a fund's ability to pay its members' claims timeously
an assessment of the lending risk associated with an individual (in a personal or business capacity) or a business
an independent assessment of the creditworthiness of a bond (note
an opinion on the relative degree of risk associated with timely payment of interest and principal on a debt instrument
a professional opinion on the ability and willingness of an issuer to meet debt-servicing obligations
a qualified assessment and formal evaluation of a company's creditworthiness and capability of repaying outstanding obligations on time
a reflection of your payment history with your creditors
a score based upon your financial history, designed to help lenders to lend responsibly and profitably
a tool used to determine whether or not you have a history of promptly paying your bills
a way for lenders to rate the potential customer as a credit risk
An evaluation, often a FICO score, of a credit worthiness of an individual based on their credit history. The better a person's credit rating, the best loan rates and terms they can receive.
One measure of a bond's risk, the rating tells you how secure analysts are that the company or government entity issuing the bond will be able to maintain interest payments as well as return principle when the bond matures. The most common ratings agencies are Standard and Poor's (S&P) and Moody's. S&P's top investment-grade ratings are AAA, AA, A, and BBB. Moody's are Aaa, Aa, A and Baa. Below this, riskier bonds are rated BB or Ba and lower. These bonds can be called high-risk or "junk" bonds. Bonds which have defaulted are rated D.
An evaluation of your qualifications to receive credit, based largely on your past credit history.
When creditors are deciding if they should lend you money, they generally look at your credit rating to decide if you will be able to repay them. Your credit rating is a history of all the money you have borrowed and owe. It shows if you have successfully paid your debts over time.
A judgement placed on a borrower’s capacity to pay up. For example, AAA, is a good credit rating given by a rating agency such as Standard and Poor's or Moody's and indicates a borrower’s capacity to pay interest and principal on a bond or note issue.
A credit scoring systems which give points to items of information given on your application form when applying for credit.
A rating that is based on an evaluation of one's credit risk, based on past records of debt repayment.
An evaluation of a person's capacity (or history) of debt repayment. Generally available for individuals from a local retail credit association; for publicly held companies by such firms as Dunn & Bradstreet; and for bonds by such firms as Moody's, Standard & Poor's, and Fitch's.
A rating used by credit card companies when making loans to assist them in determining an individual or company's credit worthiness. By giving points based on the information supplied on the application form, the lender decides whether to give you credit.
This is evaluation of an individual or corporation's history of repaying past loans. It is used to see whether a creditor can pay back loans or not.
A quality rating of debt instruments based on the degree of investment risk. Ratings are set by two main agencies. Moody's Investors Service and Standard & Poor's Corporation. The highest rating (Aaa from Moody's and AAA from S&P) is given to bonds where the capacity to pay interest and to repay principal is extremely strong. At the other end of the scale, issues rated C or CC respectively are judged as being highly speculative or may be in default. An agency may place a bond on “credit watch”, a warning to investors that the bond is being reviewed for an upgrade or downgrade. See investment grade.
A score based on your record of payment of financial obligations which contributes to your eligibility for loans.
The score that tells a borrower how much of a credit risk you'll be.
An assessment of an individual's or organization's credit-worthiness, based on past behaviour in repaying debts. An important criteria for lenders who have access to this information through credit bureaus.
An assessment of the likelihood of an individual or business being able to meet its financial obligations. Credit ratings are provided by credit agencies or rating agencies to verify the financial strength of the issuer for investors.
An independent assessment by Rating Agencies of a borrower's overall ability to meet its financial obligations under debt and similar arrangements"
An evaluation of a company’s ability to repay debt. Ratings are issued by Moody’s, S&P, and Fitch. Investors and analysts use these ratings to assess the risk of an investment.
Quality of a borrower, particularly in terms of its ability and willingness to meet its payment obligations. The lower the borrower's credit rating, the higher the risk and thus also the expected yield.
The rating given to an individual to evaluate his or her credit risk based on past records of debt repayment.
A way of assessing the relative risk of default on repayment by an issuer of bonds as defined by credit rating.
An evaluation of an individual's or a business's financial history and ability to pay debts.
refers to any adverse listing that a credit reporting agency may have put on your file. An adverse listing can happen if you stop making your loan repayments and the lender reports this fact to the credit reporting agency.
a measurement of the credit worthiness of an individual or business. The ratings are based on the opinions of banks, financial institutions and financial analysis to investigate stability and credit history. The computer age has seen the development of "banks" of such information providing instant references.
the ability of an issuer to repay its level of debt on a relative basis, as assessed by an independent rating agency. The Government of Canada has the highest-ranked credit quality in Canada.
On a scale from 1 to 5, with 1 being the highest. A rating of 2 usually means your credit is in good standing
An evaluation of the probability that a borrower will default on a loan. Credit ratings are provided to lenders by credit bureaus and reporting agencies. The rating is used to determine whether to extend credit to a loan applicant. Defaulting on a student loan can hurt your credit rating.
A report ordered by a lender from a credit agency to determine a borrower's credit habits.
An assessment of a persons ability (or history) of debt repayment. Most information in a credit rating comes from companies that an individual has credit with such as the banks, department stores, finance companies etc. as well as from certain public records such as lawsuits, tax liens, judgments and bankruptcies.
Your Credit Rating is a formal evaluation of your ability to pay interest and repay principal on borrowed money, as published by a credit rating agency or service.
This is a scoring system that lenders issue people with to determine how credit worthy they are.
A score awarded to you by lenders to indicate whether you are creditworthy or not.
A numerical score based on credit limits, balances, and personal information assigned by credit bureaus and credit reporting agencies to measure individual's creditworthiness. Federal Stafford Loans do not require a credit score but credit checks are required for Federal PLUS Loans and most private loans.
an assessment of a cardholder’s credit history as scored by one of the major credit scoring agents; rated as A, B, or C
An independent assessment of the creditworthiness of a borrower or bond issuer undertaken by a credit rating agency, of which the three best known are Standard and Poor's, Moody's and Fitch. Each agency has a slightly different scale for rating, using A, B and C categories, with fine gradations of each, and different criteria are applied to assessment of national and international borrowings. Securities with a rating of BBB and above (on the Standard & Poor's scale) are considered to be "investment grade", while those below are reckoned to be "speculative" and attract financing on inferior terms.
Ratings based on credit-worthiness can be obtained either online or by financial consultants.
A formal evaluation of an individual's or company's credit history and capability of repaying obligations. Most large companies and lending institutions assign credit ratings to existing and potential customers.
A ranking given by a independent agency based on a detailed financial analysis. Lenders to approve a loan use this rating.
CREDIT RATING. The National Qualifications Framework requires Universities to indicate the credit rating of each course and the number of study hours (a full time curriculum earns a student 120 credits or involves 1200 notional study hours)
Rating agencies employing hundreds of analysts, mainly Standard & Poors and Moodys, give ratings to companies' bonds. Any weakening in a company's credit rating is a sign that its finances are deteriorating and this is a significant warning for share investors too.
Your credit rating is an independent statistical evaluation of your ability to repay debt based on your borrowing and repayment history. Credit guarantors use a point system to evaluate your credit history, often on a scale of 0-9, or 9-0. A corporation's credit rating is an assessment of whether it will be able to meet its obligations to bond holders and other investors. Credit rating systems for corporations generally range from AAA or Aaa at the high end to D (for default) at the low end.
A numerical score calculated using the information in your credit file. The credit rating is often used to determine an individual's credit worthiness and is sometimes referred to as a credit score.
Is a formal evaluation of a person or company's credit history and their ability to repay borrowings. In the UK, the main credit rating companies are Experian – www.experian.co.uk, Equifax – www.equifax.co.uk and CallCredit – www.callcredit.plc.uk. For a small fee (between £2 and £2.50) you can access your credit file.
A published ranking, based on detailed financial analysis by a credit bureau, of one's financial history, specifically as it relates to one's ability to meet debt obligations. The highest rating is usually "AAA" and the lowest is a "D." Lenders use this information to decide whether to approve a loan or extend credit.
A rating given to a person based on experience managing credit (credit cards, mortgage, loans, etc.), reliability making loan payments current financial condition (income, savings, outstanding debt, etc.) and other factors. People with strong credit ratings tend to qualify for lower-cost loans, while people with weaker ratings might have to pay a higher interest rate.
A technique which awards points to certain aspects of a clients circumstances e.g. time in employment, time in property etc. It can be used to assess the degree of risk exposure relating to a particular lending situation. Financial institutions rely on highly computerised credit rating systems, and co-operate with each other in providing details of bad credit risks. Hence the concept of the black list or black listing or being black listed.
A numerical estimation of the likelihood that you'll meet debt obligations. A creditor gets your information from a credit reporting agency and applies a credit scoring model to calculate your Credit rating for a particular loan or credit product. For more information see the Credit Center section.
A measure of a bond issuer's creditworthiness as rated by an independent agency, such as Standard & Poor's or Moody's Investor Services. Ratings are set as a reflection of the perceived financial stability of the issuer, from AAA to D. Bonds rated Baa or higher by Moody's, or BBB or higher by S&P, are considered "investment grade." Conservative investors tend to select funds composed of all AAA rated bonds, or "investment grade" bonds. More aggressive investors, looking for high yields, are more interested in funds that invest in lower rated bonds. Moody's Standard & Poor's
Evaluation of an individual's or a corporation's credit history and capability of repaying obligations.
An appraisal made by an individual credit grantor of an individual’s credit worthiness – the ability and willingness to pay credit obligations.
For individuals, credit rating is based on your financial resources and credit history. Your total debt level compared to your income level, timeliness in paying bills, number of credit cards, and many other factors are taken into consideration. Credit bureaus use credit scoring to quantify to potential creditors how likely you are to pay back a loan. Consumers may obtain a copy of their credit reports from either Trans Union or Equifax.
A rating based on a person's credit history. Financial institutions refer to credit ratings when they consider applications for loans and credit cards.
A judgment of someone's ability to repay debts, based on current and projected income and history of payment of past debts. Sometimes expressed as a number called a credit score.
Assessment of an individual's or corporation's credit history and ability to pay its obligations. There are several firms that investigate, analyze, and maintain records on the credit status of individuals and businesses--for example, Equifax for individuals, and Dun & Bradstreet for commercial firms. Standard & Poor's and Moody's assign ratings to bonds. In rating the bonds, credit worthiness is an important factor. See: Dun & Bradstreet; Moody's Investors Service; Rating; Standard & Poor's Corporation
A level assigned to you in determining your eligibility for loans, based on your record of payment on financial obligations.
The degree of creditworthiness assigned to a person based on their credit history and financial status.
Credit agencies are companies that keep track of how you pay your debts (bills). Do you pay on time? Do you make the required payments? When you want to borrow money from a bank or apply for a credit card, the bank or the credit card company will ask a credit agency to rate you. Lenders want to know if you are a reliable bill payer before they approve your loan or credit card.
An individual's credit history determines her or his credit worthiness to potential lenders. There is no set scoring system but most creditors share similar criteria for borrowers. The better a consumer handled their past credit; the more stable his or her employment and residence history, and as long as they have not applied for ‘too much' credit in the past, the more likely they will have a good credit rating.
A credit rating is a systematic evaluation of the ability of a borrower to handle loans and other types of credit.
An individual or company's credit history and ability to pay debts.
A rating given a person or company to establish credit-worthiness based upon present financial condition, experience and past credit history.
Personal creditworthiness based upon current finances and credit history.
The contentious practice of ranking the debt instruments of corporations and governments according to an independent analyst’s assesment of the debtor’s ability to repay them on time.
A rating made by a company (such as a credit bureau) based on one's present financial condition and past credit history.
A rating given to a person that establishes creditworthiness based on credit history, experience and current financial condition.
How a credit provider rates you as a credit risk after taking into account your assets, income, commitments and past performance in paying off loans.
An evaluation by a creditor or credit reporting agency to reflect a debtor's past credit history based on payment pattern.
A rating given to a person or company that establishes creditworthiness based upon present financial condition, experience, and past credit history.
An evaluation of ability to to repay a loan. It is based on the borrower's current financial situation as well as past performance in debt repayment, taking into account any defaults, and history of slow or delinquent payments.
A formal evaluation of an individual's loan-repayment history or potential.
A grade assigned to a business concern to denote the net worth and credit standing to which the concern is entitled in the opinion of the rating agency as a result of its investigation.
A rating used by banks, insurance companies, mortgage companies and other financial institutions making loans, which is used to judge an individual or company's creditworthiness. Credit Reference Agencies provide credit data to financial institutions that use this data, along with other information about a customer, to give points based on how it compares to people who pay their bills and loans on time. The more positively a customer's behaviour compares to those people who pay on time, the higher that customer's score and overall credit rating will be.
A rating that indicates how good a credit risk a person is. Credit ratings are based on personal credit history.
A report ordered by a lender from a credit bureau to determine if the borrower is a good credit risk.
A rating given to a person to establish ability and willingness to pay obligations based upon present financial condition, experience and past credit history.
Is the rating given to a person based upon credit history and financial status.
Assessment of a credit rating agency (such as Standard & Poors or Moodys) expressed in a combination of letters and/or figures indicating the credit worthiness of a country, company, institution or bond issue. Ratings can range from AAA to the lowest which is D.
Rating used to establish risk involved in lending money. This is used in conjunction with credit history and financial status.
A rating assigned to a debt issuer by a nationally recognized, independent rating firm that reflects the firm's opinion concerning the ability of the issuer to meet its debt obligations. The most common rating firms are Standard & Poor's, Moody's Investors Service and Fitch Ratings.
A published ranking, based on a careful financial analysis, of a creditor's ability to pay interest or principal owed on a debt.
A rating assigned to a person to help establish ability to pay obligations based upon one's past history of timely payment.
A rating given to a person to establish willingness to pay obligations based upon one's past history or timely payment.
The degree of credit worthiness assigned to a person based on credit history and financial status.
There is no "credit rating" in the literal sense for borrowers. All credit transactions and defaults are recorded and can be sourced via Baycorp. A good rating simply means all credit has been conducted without defaults.
a rating created by authorized credit agencies that denote a person’s credit history.
A calculation based on one's personal credit history, provided by credit bureaus to lenders, that predicts future credit performance.
Borrowers are rated by lenders according to the borrower's credit-worthiness or risk profile. Credit ratings are expressed as letter grades such as A-, B, or C+. These ratings are based on various factors such as a borrower's payment history, foreclosures, bankruptcies and charge-offs. There is no exact science to rating a borrower's credit, and different lenders may assign different grades to the same borrower.
indicates the probability of whether a corporate or municipal bond will be able to meet its interest payments and repay principal. The two most well known rating agencies are Standard & Poors and Moody's Investor Service.
a rating that summarizes your financial background and credit history, used by financial institutions when considering loan applications to decide whether to loan you money and how much you may borrow
An opinion as to the credit‑worthiness of an individual/Company, obtained by a party who is thinking of entering into an agreement with that individual/Company. The opinion may be obtained through the proposed customer's bank (see 'Status Enquiry'), and/or a 'Credit Reference Agency` (see definition) andlor by consulting a register published by an established credit inquiry agency (e.g. Dun and Bradstreet).
This is the rating that lenders put on borrowers based on credit worthiness. This is usually based on the borrower's credit history.
Usually used to determine a bank or financial institution's credit risk, a credit rating is an evaluation of an individual's or company's ability to repay obligations or its likelihood of not defaulting; also see CAMEL.
A rating used by banks, insurance companies, mortgage companies and other financial institutions making loans which they use to judge an individual or company's credit worthiness.
An assessment of a particular issuer's creditworthiness which results in a rating being assigned. Ratings range from AAA (very high) to D (in default). Several companies study issuers and make ratings decisions, including Moody's and Standard & Poor's.
measures a borrower's creditworthiness and provides an international framework for comparing the credit quality of issuers and rated debt securities. Rating agencies allocate three kinds of ratings: issuer credit ratings, long-term debt and short-term debt. Issuer credit ratings are among the most widely watched. They measure the creditworthiness of the borrower including its capacity and willingness to meet financial obligations. A top rating means there is thought to be almost no risk of the borrower failing to pay interest and principal. QTC has the top rating from all three rating agencies – Standard & Poors, Moody's and Fitch IBCA
Formal evaluation by a rating agency of a companyâ€(tm)s or governmentâ€(tm)s credit history and capability to repay the full face value and interest payments on a bond. Rating agencies such as Standard & Poorâ€(tm)s , Moodyâ€(tm)s etc. typically assign letter grade scales where AAA is the highest rating descending through AA and A, followed by BBB, BB, B, CCC, CC, etc. Bonds with a rating above BB are considered to be investment grade.
A report ordered by a lender from a credit bureau to help determine a borrowerâ€(tm)s credit rating.
Official investigation of a company's or individual's history of repaying obligations; performed by a credit agency.
Based on an analysis of a person's credit history, an evaluation of that person's ability to manage a new debt or debts overall.
A financial institution's estimate of how risky it is to lend you money. Your credit rating will be based on such factors as your income, your history of repaying debt, and your work record.
A predictor of the ability to pay back a loan. The credit rating is a result of credit scoring
A professional estimate of the financial position and integrity of a person or company, based upon past performances.
Credit ratings provide an indication of financial strength. They are assessed by independent companies specialising in this work and usually apply to specific financial instruments issued by a company, such as bonds.
A+ to A- Considered the best credit rating. FICO scores are generally 620 and up with no late on mortgage and one 30 days late on revolving or installing credit. No bankruptcy within past 2-10 years. B+ to B- General good credit with FICO scores from 581 - 619. Two or three 30 days late on mortgage and two to four 30 days late on revolving or installment credit. Cannot have any 60 day late. Must be 2-4 years since bankruptcy discharge. C+ to C-Fair credit with FICO scores from 551-580. Three to four 30 days late on mortgage are allowed. Installment or revolving credit can have four to six 30 days late or two to four 60 days late. Must have 1-2 years since bankruptcy discharge. D+ to D- Overall poor credit history with FICO scores from 550 and lower. Two to six 30 days late on mortgage or one to two 60 days late, with isolated 90 days late. Revolving and installment lates show poor payment record with pattern of late payments. Possible current bankruptcy or foreclosure allowed with all unpaid judgments to be paid with loan proceeds. Must have stable employment.
A rating determined by a rating agency that indicates the agency's opinion of the likelihood that a borrower such as a corporation or sovereign nation will be able to repay its debt. The rating agencies include Standard & Poor's, Fitch, and Moody's.
the financial standing of an individual, company, or government
The Dun & Bradstreet credit rating system. Rating the financial strength of commercial and industrial companies.
A person's credit rating is based on their credit file or credit history. A person who has a credit file or a bad credit history is likely to have a poor credit rating. Banks and financial organisations refer to credit ratings when considering applications for loans and credit cards. A person with a poor credit rating may find it very difficult to obtain a loan or a credit card. Credit providers obtain this information through credit reporting agencies, such as Baycorp Credit Advantage.
An individual's worthiness for credit as determined by a credit reporting agency. In addition to the information these agencies provide, lenders use tax returns and other financial statements to determine your credit worthiness.
An expression of creditworthiness based upon present financial condition and past credit history.
A value assigned to the credit-worthiness of potential borrower based on the borrowers previous credit repayment history provided to potential lenders by a credit bureau.
A judgment of a person's ability to repay debts. The rating is often based on a person's current and projected income and past debt payment history. Also called a credit score.
Rating given to a company or institution by a credit rating agency as an indication of the likelihood of default on its bonds or other debt. The highest (lowest risk) rating is AAA (triple A).
Ratings agencies attribute credit ratings to bonds as an indicator of their general credit worthiness or quality.
A formal evaluation of an individual's or company's credit history and capability of repaying obligations. Any number of firms investigate, analyze, and maintain records on the credit responsibility of individuals and businesses. The credit rating is based on the number of outstanding debts and whether debts have been repaid in a timely manner in the past.
A rating given to a person by a credit bureau, or credit repository, based upon payment history for existing and past debt. (e.g. R1-no 30 day delinquencies on revolving debt, usually for the past two years.)
credit worthiness assigned to an individual based on current credit, credit history, and financial standing.
The comparison of the financial standing of a company, financial institution, or government to other such entities.
An evaluation of the likelihood of a borrower to default on a loan. Credit bureaus and credit reporting agencies provide this information to banks and businesses to help them decide whether to issue a loan or extend credit. Your credit rating may include your payment history, a list of current and past credit accounts and their balances, employment and personal information and a history of past credit problems. People who make all their payments on time are considered good credit risks. People who are frequently delinquent in making their payments are considered bad credit risks. Defaulting on a loan can hurt your credit rating.
An estimate of the financial health of a borrower, as well as the borrower's ability to repay principal and interest in a timely manner.
Formal evaluation of a company’s ability to pay interest and repay principal on borrowed money, as published by a credit rating agency or service. For example, Standard and Poor’s and Moody’s Investor Service rate corporate bonds.
A credit rating assesses the credit worthiness of an individual, corporation, or even a country. Credit ratings are calculated from financial history and current assets and liabilities. Typically, a credit rating tells a lender or investor the probability of the subject being able to pay back a loan.