Wiki - Credit Rating

: Ratings are expressed as letter grades, typically ranging from AAA (highest quality) to D (default) .

: Ratings of BB+ and below (or Ba1 for Moody's). These suggest higher risk and often result in higher interest costs for the borrower. Credit Rating vs. Credit Score While often confused, they serve distinct roles: Credit Rating Credit Score Applied To Businesses, Governments, Bonds Individual consumers Format Letter grades (AAA, B+, etc.) 3-digit numbers (e.g., 300–850) Providers S&P, Moody's, Fitch FICO, VantageScore Impact Institutional borrowing & Bond prices Personal loans, Credit cards, Mortgages Determinants of a Rating credit rating wiki

: Revenue stability, cash flow, and debt-to-equity ratios. : Ratings are expressed as letter grades, typically

: Political stability (for sovereign ratings), inflation, and industry trends. Credit Rating vs

: Ratings from AAA down to BBB- (or Baa3 for Moody's). These indicate a relatively low to moderate risk of default.

: Unlike personal credit scores used for individuals, credit ratings are assigned to corporations, national governments (sovereign), and structured finance products .

Agencies conduct both quantitative and qualitative analyses, including: