From 1903 until the stock market crash of 1907, Moody's Manual was a national publication. Some of these factors have greater weight than others. The manual published basic statistics and general information about stocks and bonds of various industries. Here's how the ratings scale works, plus its role in the 2008 financial crisis. Different credit reference agencies show your score in different ways. credit ratings do not address any other risk, including but not limited to: liquidity risk, market value risk, or price volatility.

In 1924, Fitch introduced the AAA through a D rating system that has become the basis for ratings throughout the industry. Even though younger people may be at a disadvantage, it is possible for people with short histories to get favorable scores depending on the rest of the credit report. The global credit rating industry is highly concentrated, with three agencies—Moody's, Standard & Poor's and Fitch—controlling nearly the entire market.

A credit rating or score can be assigned to any entity that seeks to borrow money—an individual, corporation, state or provincial authority, or sovereign government.

Any missed payments or defaults on loans negatively impact the rating. As a long-term business, SSE believes it should maintain a strong balance sheet. Credit rating SSE plc guarantees the obligations of SSE Energy Supply Ltd and SSE Generation Ltd as defined in accordance with the Deeds of Guarantee . Debtors want to know a borrower can maintain good credit consistently over time. For DBRS Morningstar, a bond is considered investment grade if its credit rating is BBB(low) or higher.

Countries' and regions' ratings in different methods, Nationally Recognized Statistical Rating Organization, United States federal government credit-rating downgrades, "S&P | Ratings Credit Ratings Definitions & FAQs | Americas", "Sovereign Ratings History", Global Credit Portal, S&P Global Market Intelligence, 11 April 2017, accessed 5 May 2017, Rating: Albania Credit Rating, Rating S&P Albania, accessed 7 August 2020, Rating: Andorra Credit Rating, Rating S&P Andorra, accessed 7 August 2020, Rating: Angola Credit Rating, Rating S&P Angola, accessed 7 August 2020, Rating: Argentina Credit Rating, Rating S&P Argentina, accessed 7 August 2020, Rating: Australia Credit Rating, Rating S&P Australia, accessed 7 August 2020, Rating: Azerbaijan Credit Rating, Rating S&P Azerbaijan, accessed 7 August 2020, Rating: Bahamas Credit Rating, Rating S&P Bahamas, accessed 7 August 2020, Rating: Bahrain Credit Rating, Rating S&P Bahrain, accessed 7 August 2020, Rating: Barbados Credit Rating, Rating S&P Barbados, accessed 7 August 2020, Rating: Belize Credit Rating, Rating S&P Belize, accessed 7 August 2020, Rating: Bolivia Credit Rating, Rating S&P Bolivia, accessed 7 August 2020, Rating: Bosnia and Herzegovina Credit Rating, Rating S&P Bosnia and Herzegovina, accessed 7 August 2020, Rating: Botswana Credit Rating, Rating S&P Botswana, accessed 7 August 2020, Rating: Brazil Credit Rating, Rating S&P Brazil, accessed 7 August 2020, Rating: Bulgaria Credit Rating, Rating S&P Bulgaria, accessed 7 August 2020, Rating: Burkina Faso Credit Rating, Rating S&P Burkina Faso, accessed 7 August 2020, Rating: Cambodia Credit Rating, Rating S&P Cambodia, accessed 7 August 2020, Rating: Cameroon Credit Rating, Rating S&P Cameroon, accessed 7 August 2020, Rating: Cape Verde Credit Rating, Rating S&P Cape Verde, accessed 7 August 2020, Rating: Chile Credit Rating, Rating S&P Chile, accessed 7 August 2020, "Standard & Poor's cuts China's credit ratings citing debts", Rating: Colombia Credit Rating, Rating S&P Colombia, accessed 7 August 2020, Rating: Democratic Republic of the Congo Credit Rating, Rating S&P Democratic Republic of the Congo, accessed 7 August 2020, Rating: Republic of the Congo Credit Rating, Rating S&P Republic of the Congo, accessed 7 August 2020, Rating: Costa Rica Credit Rating, Rating S&P Costa Rica, accessed 7 August 2020, Rating: Dominican Republic Credit Rating, Rating S&P Dominican Republic, accessed 7 August 2020, Rating: Ecuador Credit Rating, Rating S&P Ecuador, accessed 7 August 2020, Rating: Egypt Credit Rating, Rating S&P Egypt, accessed 7 August 2020, Rating: El Salvador Credit Rating, Rating S&P El Salvador, accessed 7 August 2020, Rating: Estonia Credit Rating, Rating S&P Estonia, accessed 7 August 2020, Rating: Fiji Credit Rating, Rating S&P Fiji, accessed 7 August 2020, Rating: Georgia Credit Rating, Rating S&P Georgia, accessed 7 August 2020, Rating: Ghana Credit Rating, Rating S&P Ghana, accessed 7 August 2020, Rating: Greece Credit Rating, Rating S&P Greece, accessed 7 August 2020, Rating: Guatemala Credit Rating, Rating S&P Guatemala, accessed 7 August 2020, https://www.bloomberg.com/news/articles/2017-09-22/s-p-strips-hong-kong-of-aaa-rating-a-day-after-china-downgrade, Rating: Hungary Credit Rating, Rating S&P Hungary, accessed 7 August 2020, "S&P Research Update: Republic of Iceland Ratings Raised to 'A/A-1' on Lifting of Capital Controls; Outlook Stable", Rating: Israel Credit Rating, Rating S&P Israel, accessed 7 August 2020, Rating: Italy Credit Rating, Rating S&P Italy, accessed 7 August 2020, Rating: Jamaica Credit Rating, Rating S&P Jamaica, accessed 7 August 2020, Rating: Japan Credit Rating, Rating S&P Japan, accessed 7 August 2020, Rating: Jordan Credit Rating, Rating S&P Jordan, accessed 7 August 2020, Rating: Kazakhstan Credit Rating, Rating S&P Kazakhstan, accessed 7 August 2020, Rating: Kenya Credit Rating, Rating S&P Kenya, accessed 7 August 2020, Rating: Kuwait Credit Rating, Rating S&P Kuwait, accessed 7 August 2020, Rating: Lebanon Credit Rating, Rating S&P Lebanon, accessed 7 August 2020, Rating: Malaysia Credit Rating, Rating S&P Malaysia, accessed 7 August 2020, Rating: Malta Credit Rating, Rating S&P Malta, accessed 7 August 2020, Rating: Mexico Credit Rating, Rating S&P Mexico, accessed 7 August 2020, Rating: Mongolia Credit Rating, Rating S&P Mongolia, accessed 7 August 2020, Rating: Montenegro Credit Rating, Rating S&P Montenegro, accessed 7 August 2020, Rating: Morocco Credit Rating, Rating S&P Morocco, accessed 7 August 2020, Rating: Mozambique Credit Rating, Rating S&P Mozambique, accessed 7 August 2020, Rating: New Zealand Credit Rating, Rating S&P New Zealand, accessed 7 August 2020, Rating: Nigeria Credit Rating, Rating S&P Nigeria, accessed 7 August 2020, Rating: Oman Credit Rating, Rating S&P Oman, accessed 7 August 2020, https://tribune.com.pk/story/1903429/2-sp-cuts-pakistans-credit-rating-b-b//, Rating: Panama Credit Rating, Rating S&P Panama, accessed 7 August 2020, Rating: Papua New Guinea Credit Rating, Rating S&P Papua New Guinea, accessed 7 August 2020, Rating: Portugal Credit Rating, Rating S&P Portugal, accessed 7 August 2020, Rating: Qatar Credit Rating, Rating S&P Qatar, accessed 7 August 2020, Rating: Rwanda Credit Rating, Rating S&P Rwanda, accessed 7 August 2020, Rating: Senegal Credit Rating, Rating S&P Senegal, accessed 7 August 2020, Rating: Serbia Credit Rating, Rating S&P Serbia, accessed 7 August 2020, Rating: Slovakia Credit Rating, Rating S&P Slovakia, accessed 7 August 2020, "Slovenia Upgraded from A+ to AA- by S&P", Rating: South Africa Credit Rating, Rating S&P South Africa, accessed 7 August 2020, https://www.bloomberg.com/news/articles/2016-08-08/south-korea-s-credit-rating-raised-one-level-to-aa-by-s-p, https://www.bloomberg.com/news/articles/2019-09-20/spain-rating-raised-by-s-p-citing-growth-fiscal-consolidation, Rating: Sri Lanka Credit Rating, Rating S&P Sri Lanka, accessed 7 August 2020, Rating: Suriname Credit Rating, Rating S&P Suriname, accessed 7 August 2020, Rating: Thailand Credit Rating, Rating S&P Thailand, accessed 7 August 2020, Rating: Trinidad and Tobago Credit Rating, Rating S&P Trinidad and Tobago, accessed 7 August 2020, Rating: United Kingdom Credit Rating, Rating S&P United Kingdom, accessed 7 August 2020, Uruguay Outlook Revised To Stable From Negative On More Balanced Economic Risks; 'BBB/A-2' Ratings Affirmed, BRIEF-S&P lowers Venezuela's long-and short-term foreign currency ratings to 'SD/D' from 'CC/C‍ | Reuters, "S&P raises Vietnam's credit rating to 'BB' from 'BB-', maintains...", Rating: Zambia Credit Rating, Rating S&P Zambia, accessed 7 August 2020, "Fitch Ratings — Definitions of Ratings and Other Forms of Opinion", "Fitch Upgrades Slovenia to 'A'; Outlook Stable", "Fitch Affirms Andorra at 'BBB+'; Outlook Stable", "Fitch Revises Angola's Outlook to Negative; Affirms at 'B, "Fitch Upgrades Armenia to 'BB-'; Outlook Stable", "Fitch Affirms Aruba at 'BBB-'; Outlook Negative", "TEXT:Fitch Upgrades Australia's Foreign-Currency IDR to 'AAA, "Fitch Affirms Belgium at 'AA-'; Outlook Stable", "Fitch Downgrades Bolivia to 'B+'; Outlook Remains Negative", "Fitch Affirms Brazil at 'BB-'; Outlook Stable", "Fitch Affirms Bulgaria at 'BBB'; Outlook Positive", "Fitch Downgrades Canada's Ratings to 'AA+'; Outlook Stable", "Fitch Revises Cabo Verde's Outlook to Positive; Affirms at 'B, "Fitch Affirms Chile at 'A'; Outlook Stable", "Fitch Affirms Colombia at 'BBB'; Outlook Negative", "Fitch Affirms Costa Rica at 'B+'; Outlook Negative", "Correction: Fitch Affirms Cote d'Ivoire at 'B+'; Outlook Stable", "Fitch Raises Croatia's Credit Rating to Investment Level", "Fitch Revises Cyprus's Outlook to Positive; Affirms at 'BBB-, "Fitch Affirms Czech Republic at 'AA-'; Outlook Stable", "Fitch Revises Ecuador's Outlook to Negative; Affirms at 'B-, https://www.fitchratings.com/research/sovereigns/fitch-affirms-egypt-at-b-outlook-stable-27-07-2020, "Fitch Affirms El Salvador at 'B-'; Outlook Stable", "Fitch Revises Ethiopia's Outlook to Negative; Affirms at 'B, "Fitch Revises Finland's Outlook to Stable; Affirms at 'AA+, "France's credit downgraded to AA at Fitch Ratings - MarketWatch", "Fitch Affirms Gabon at 'B'; Outlook Stable", "Fitch Affirms Georgia at 'BB'; Outlook Stable", "Fitch Affirms Ghana at B; Outlook Stable", "Fitch Upgrades Greece to 'BB'; Outlook Positive", "Fitch Affirms Guatemala at 'BB'; Revises Outlook to Negative", "Fitch Downgrades Hong Kong to 'AA-' from 'AA'; Outlook Stable", "Fitch elevates Hungary's debt rating to 'investment grade, "Fitch Ratings upgrades Iceland to 'A'; outlook is stable", "Fitch Revises India's Outlook to Negative, Affirms IDR at 'BBB-, "Fitch Upgrades Indonesia to 'BBB'; Outlook Stable", "Fitch Affirms Iraq at 'B-'; Outlook Stable", "Fitch Upgrades Ireland to 'A+'; Outlook Stable", "Fitch Affirms Italy at 'BBB-'; Outlook Stable", "Fitch Affirms Jamaica at 'B+'; Revises Outlook to Positive", "Fitch Affirms Japan at 'A'; Outlook Stable", "Fitch Affirms Kazakhstan at 'BBB'; Outlook Stable", "Fitch Downgrades Lesotho to 'B'; Outlook Stable", "Fitch Upgrades Lithuania to 'A'; Outlook Stable", "Fitch Affirms Macao at 'AA'; Outlook Stable", "Fitch Affirms Malta at 'A+'; Outlook Positive", "Fitch Downgrades Mexico to 'BBB'; Outlook Revised to Stable", "Fitch Affirms Mongolia at 'B'; Outlook Stable", "Fitch Downgrades Namibia to 'BB'; Outlook Stable", "Fitch Revises Outlook on Nigeria to Negative; Affirms at 'B+, "Fitch Upgrades North Macedonia to 'BB+'; Outlook Stable", "Fitch Affirms Oman at 'BB+'; Outlook Stable", https://tribune.com.pk/story/1992856/2-fitch-keeps-pakistans-rating-stable-b-negative/, "Fitch Affirms Paraguay at 'BB+'; Outlook Stable", "Fitch Revises Outlook on Philippines to Stable; Affirms at BBB", "Fitch Affirms Portugal at 'BBB', Outlook Positive", "Fitch Affirms Romania at 'BBB-'; Outlook Stable", "Fitch Upgrades Russia to 'BBB'; Outlook Stable", "Fitch Affirms Rwanda at 'B+'; Outlook Stable", "Fitch Downgrades San Marino to 'BB+'; Outlook Negative", "Fitch Downgrades Saudi Arabia to 'A'; Outlook Stable", "Fitch Upgrades Serbia to 'BB+'; Outlook Stable", "Fitch Affirms Seychelles at 'BB'; Outlook Stable", "Fitch Downgrades Slovakia to 'A'; Outlook Stable", "Fitch Affirms Slovenia at 'A'; Outlook Stable", "Fitch Downgrades South Africa to 'BB'; Outlook Negative", "South Korea Rating Raised by Fitch on Nation's Stability", "Spain Has Rating Raised to A- by Fitch on Economic Recovery", "Fitch Revises Outlook on Sri Lanka to Negative; Affirms at 'B, "Fitch Downgrades Suriname's Ratings to 'CCC, "Fitch Affirms Taiwan at 'AA-'; Outlook Stable", "Fitch Revises Outlook on Thailand to Positive; Affirms at 'BBB+, "Fitch Affirms Tunisia at 'B+'; Outlook Negative", https://www.fitchratings.com/research/sovereigns/fitch-revises-outlook-on-turkey-to-negative-affirms-at-bb-21-08-2020, "Fitch Affirms Uganda at 'B+'; Outlook Stable", "Fitch affirms Ukraine at B, outlook stable", "Fitch cuts UK's sovereign rating to 'AA-' as coronavirus strains finances", "Fitch Affirms United States at' 'AAA'; Outlook Stable", "Fitch Affirms Uruguay at 'BBB-'; Outlook Negative", "Fitch Assigns Uzbekistan 'BB-' IDRs; Outlook Stable", "Fitch Affirms and Withdraws Venezuela's Ratings", "Fitch Revises Vietnam's Outlook to Positive; Affirms at 'BB, "investment grade : defined at Finance Glossary", "Moody's affirms Albania's B1 rating, maintains stable outlook", "Moody's affirms Angola's B1 ratings and maintains negative outlook", "Moody's downgrades Argentina's ratings to Caa2; places ratings under review for downgrade", "Moody's downgrades Armenia's government bond rating to B1, changes the outlook to stable from negative", "Moody's affirms Australia's Aaa rating; maintains stable outlook", "Moody's downgrades Austria's rating to Aa1 from Aaa; stable outlook", "Moody's downgrades Azerbaijan's rating to Ba2, with a stable outlook, concluding review for downgrade", "Moody's confirms the Bahamas' Baa3 ratings and changes outlook to negative, concluding review for downgrade", "Moody's downgrades Bahrain to B1, maintains negative outlook", "Moody's Affirms Bangladesh's Ba3 Rating; Maintains Stable Outlook", "Moody's downgraded Barbados' government bond and issuer ratings to Caa3 and maintained a stable outlook", https://www.moodys.com/credit-ratings/Belarus-Government-of-credit-rating-806356891, "Moody's affirms Belgium's Aa3 government bond rating; stable outlook", "Moody's upgrades Belize's issuer rating to B3 from Caa2; stable outlook", "Moody's downgrades Bermuda's rating to A2, outlook stable", "Moody's changes outlook on Bolivia's Ba3 issuer and bond ratings to stable", "Moody's affirms Bosnia and Herzegovina's B3 government bond rating; Outlook stable", "Moody's affirms Botswana's A2 government bond rating; outlook stable", "Moody's changes outlook on Brazil's Ba2 issuer rating to negative from stable", https://web.archive.org/web/20170924050606/https://www.moodys.com/research/Moodys-affirms-Bulgarias-Baa2-issuer-ratings-outlook-stable--PR_367190, "Moody's affirms Cambodia's B2 issuer rating; maintains stable outlook", "Moody's assigns B2 first-time issuer rating to the Republic of Cameroon with stable outlook", "Moody's Affirms Canada's Aaa Rating; Maintains Stable Outlook", "Moody's Assigns Aa3 local currency rating to the Cayman Islands; Outlook Stable", "Moody's changes outlook on Chile's ratings to negative; affirms Aa3 ratings", "Moody's downgrades China's rating to A1 from Aa3 and changes outlook to stable from negative", "Moody's affirms Colombia's issuer and bond ratings at Baa2 and maintains a stable outlook", "Moody's downgrades the Republic of the Congo's rating to Caa2, outlook remains negative", "Moody's downgrades Costa Rica's government bond rating to Ba2, continued negative outlook", "Rating Action: Moody's changes Croatia's outlook to positive from stable; affirms Ba2 ratings", "Moody's changes Cuba's outlook to positive from stable; Caa2 rating affirmed", "Moody's upgrades government bond ratings of Cyprus to Ba3; maintains a positive outlook", "Moody's upgrades Czech Republic's ratings to Aa3, changes outlook to stable from positive", "Moody's affirms Denmark's Aaa issuer rating, stable outlook", "Moody's upgrades Dominican Republic's issuer rating to Ba3 from B1, outlook stable", "Moody's affirms the Democratic Republic of the Congo's sovereign issuer rating at B3; outlook stable", "Moody's affirms Ecuador's B3 rating, maintains stable outlook", "Moody's affirms Egypt's B3 rating; maintains stable outlook", "Moody's downgrades El Salvador's issuer rating to Caa1 from B3 and changes outlook to stable from negative", "Moody's affirms Estonia's A1 rating; maintains stable outlook", "Moody's affirms Ethiopia's B1 Sovereign Rating, the outlook remains stable", "Moody's upgrades Fiji's ratings to Ba3 from B1; changes outlook to stable from positive", "Moody's downgrades Finland's rating to Aa1 from Aaa; stable outlook", "Moody's downgrades France's government bond ratings to Aa2 from Aa1; outlook changed to stable from negative", "Moody's downgrades Gabon's rating to B3, outlook negative", "Moody's upgrades Georgia's ratings to Ba2 from Ba3; outlook remains stable", "Moody's affirms Germany's Aaa government bond rating; maintains stable outlook", "Moody's affirms Ghana's issuer rating at B3, changes outlook to stable from negative", "Two-notch upgrade of Greece to B1 stable reflects reform progress, improved fiscal performance", "Moody's changes outlook on Guatemala's sovereign ratings to stable from negative, affirms Ba1 ratings", "Moody's upgrades Honduras' ratings to B1 from B2; outlook stable", "Moody's Downgrades Hong Kong Rating Amid Political Turmoil", "Moody's upgrades Hungary's government bond ratings to Baa3; stable outlook", "Moody's upgrades Iceland's government ratings to A3; outlook stable", "Moody's demote India's rating by a notch with negative outlook", "Moody's upgrades Indonesia's rating to Baa2, changes outlook to stable", "Moody's assigns Caa1 issuer rating to the Government of Iraq; outlook stable", "Moody's upgrades Ireland's rating to A2, changes outlook to stable from positive", "Moody's changes outlook on Isle of Man's ratings to negative from stable, affirms Aa1 ratings", "חברת מודיז מעלה את דירוג האשראי של ישראל לחיובי", "Moody's downgrades Italy's rating to Baa3, outlook stable", "Moody's upgrades Côte d'Ivoire's sovereign ratings to Ba3 from B1, outlook stable", "Moody's upgrades Jamaica's ratings to B3 from Caa2, changes the outlook to stable from positive", "Moody's affirms Japan's A1 rating; outlook stable", "Moody's Affirms Jordan's B1 Rating; Outlook Remains Stable", "Moody's changes outlook on Kazakhstan's rating to stable from negative, affirms government bond rating at Baa3", "Moody's affirms Kenya's B1 sovereign rating, maintains stable outlook", Sovereign and supranational issuer ratings summary, "Moody's assigns first-time B2 issuer ratings to Government of the Kyrgyz Republic; stable outlook", "Moody's affirms Latvia's A3 rating, maintains stable outlook", "Moody's Downgrades Lebanon's Rating To B3, Changes Outlook To Stable From Negative", "Moody's affirms Lithuania's A3 rating, outlook remains stable", "Moody's affirms Luxembourg's Aaa rating; stable outlook", "Moody's affirms Macao's Aa3 issuer rating; changes outlook to stable from negative", "Moody's revises Malaysia's sovereign rating outlook to stable, affirms A3 rating", "Moody's assigns first-time B2 issuer rating to the Government of Maldives; outlook stable", "Moody's affirms Malta's A3 rating, stable outlook", "Moody's affirms Mauritius's Baa1 government bond rating with stable outlook", "Moody's affirms Aaa.mx rating of the Government of Mexico", "Moody's changes Moldova's rating outlook to stable from negative; B3 rating affirmed", "Moody's confirms Mongolia's Caa1 issuer rating with a stable outlook, concluding review for downgrade", "Moody's downgrades Montenegro's sovereign ratings to B1; maintains negative outlook", "Moody's changes outlook on the Government of Morocco's Ba1 rating to positive from stable; ratings affirmed", "Moody's downgrades Mozambique sovereign ratings to Caa3, changes outlook to negative", "Moody's Downgrades Namibia's rating to Ba1, maintains negative outlook", "Moody's affirms the Aaa issuer rating of the Netherlands; maintains stable outlook", "Moody's affirms New Zealand's Aaa issuer rating; maintains stable outlook", "Moody's changes outlook on Nicaragua's B2 rating to positive from stable; rating affirmed", "Moody's affirms Nigeria's B1 rating with a stable outlook", "Moody's affirms Norway's Aaa rating; maintains stable outlook", https://www.moodys.com/credit-ratings/Oman-Government-of-credit-rating-96600, https://tribune.com.pk/story/2110379/2-moodys-changes-pakistan-credit-outlook-stable//, "Moody's affirms Panama's Baa2 rating, outlook remains stable", "Moody's downgrades Papua New Guinea's rating to B2 with stable outlook", "Moody's affirms Paraguay's Ba1 government bond ratings and maintains a stable outlook", "Moody's affirms Peru's A3 rating; maintains stable outlook", "Moody's affirms Philippines' Baa2 rating, maintains stable outlook", "Moody's changes outlook on Poland's A2 issuer rating to stable from negative; affirms ratings", "Moody's upgrades Portugal's rating to Baa3, changes outlook to stable", "Moody's Downgrades $13 Billion of Puerto Rico Bonds, Revises Outlook to Negative from Developing", "Moody's changes Qatar's rating outlook to negative, affirms Aa3 rating", "Moody's changes the outlook on the Baa3 issuer rating of Romania to stable from positive, ratings affirmed", "Moody's changes outlook on Russia's Ba1 government bond rating to stable from negative; affirms rating", "Moody's assigns B2 first-time issuer ratings to the Republic of Rwanda and stable outlook", "Moody's downgrades Saudi Arabia's government issuer rating to A1 with stable outlook, concluding review for downgrade", "Moody's upgrades Senegal's issuer rating to Ba3, outlook stable", "Moody's upgrades Serbia's issuer rating to Ba3; stable outlook", "Moody's affirms Singapore's Aaa rating; maintains stable outlook", "Moody's changes outlook on Slovakia's sovereign rating to positive, affirms A2 rating", "Moody's outlook for Slovenia upgraded to positive", "Moody's downgrades South Africa's rating to Baa3 and assigns negative outlook", "Moody's upgrades Korea's ratings to Aa2, outlook stable", "Moody's upgrades Spain's ratings to Baa1 from Baa2; the outlook remains stable", "Moody's changes outlook on Sri Lanka's rating to negative from stable; affirms government bond rating at B1", "Moody's changes outlook on St Vincent and the Grenadines' B3 ratings to stable from negative; affirms rating", "Moody's downgrades Suriname's rating to B1 from Ba3; stable outlook", "Moody's assigns B2 first-time issuer ratings to the Government of Swaziland, with a negative outlook", "Moody's affirms Sweden's Aaa/P-1 ratings; stable outlook", "Moody's affirms Switzerland's Aaa rating and maintains a stable outlook", "Moody's affirms Taiwan's Aa3 rating; maintains stable outlook", "Moody's assigns first-time B3 issuer rating to the Government of Tajikistan; outlook stable", "Moody's affirms Thailand's Baa1 rating, maintains stable outlook", "Moody's downgrades Trinidad and Tobago's issuer rating to Ba1 from Baa3 and changes outlook to stable from negative", "Moody's downgrades Tunisia's rating to B1, maintains negative outlook", "Turkey Downgraded By Moody's as Buffers Slide, Risks Pile Up", "Moody's downgrades Uganda's rating to B2, outlook stable", "Moody's changes Ukraine's outlook from stable to positive", "Moody's changes rating outlook on the UAE to stable from negative; affirms Aa2 issuer rating", "Moody's lowers UK credit outlook to negative on Brexit 'paralysis, "Moody's changes outlook on US Aaa sovereign rating to stable from negative; rating affirmed", "Moody's changes outlook on Uruguay's Baa2 rating to stable from negative; rating affirmed", "Moody's assigns issuer rating of B1 to the Government of Uzbekistan, outlook stable", "Moody's changes outlook on Venezuela's Caa3 rating to negative from stable; Caa3 rating affirmed", "Moody's confirms Vietnam's ratings at Ba3, changes outlook to negative", "Moody's downgrades Zambia's issuer rating to B3 with negative outlook", DBRS — Sovereign and Supranational Ratings, DBRS Confirms Uruguay at BBB (low), Stable Trend, "Sovereign & Supranationals | Rating Lists", "Czech Republic | Japan Credit Rating Agency, LTD. - JCR", "The Philippines secures an A- credit rating from Japan Credit Rating Agency (JCR)", "Chinese credit rating agency Dagong suspended after cash-for-ratings probe", "China bans ratings business of Dagong agency", "Dagong Downgrades the Foreign Currency Sovereign Credit Rating of Argentina to D", "Dagong gives BBB+ sovereign credit rating to Colombia", "Dagong Maintains the Sovereign Credit Ratings of Vietnam at B+ with a Stable Outlook - Sovereign Ratings - Dagong Global Credit Rating Group", Cbonds.Info - Fitch (UK) Withdraws Iran's Ratings, Fitch Downgrades, Withdraws Libya's Credit Rating - FoxBusiness.com, "Mali given credit rating under UN development initiative", List of top international rankings by country, https://en.wikipedia.org/w/index.php?title=List_of_countries_by_credit_rating&oldid=978446714, Pages with login required references or sources, Short description is different from Wikidata, Wikipedia articles in need of updating from January 2020, All Wikipedia articles in need of updating, Wikipedia articles in need of updating from July 2018, Creative Commons Attribution-ShareAlike License, Fitch suspended Gambia's credit rating after its only traded international bond expired.
Publish your articles and forecasts in our website. [90], For Moody's, a bond is considered investment grade if its credit rating is Baa3 or higher.

A high credit rating indicates a high possibility of paying back the loan in its entirety without any issues; a poor credit rating suggests that the borrower has had trouble paying back loans in the past and might follow the same pattern in the future.

Dagong is a credit rating agency based in China. A credit rating is a quantified assessment of the creditworthiness of a borrower in general terms or with respect to a particular debt or financial obligation. Impaired credit occurs after a deterioration in the creditworthiness of an individual or entity. Please update this article to reflect recent events or newly available information. Long-term credit ratings predict the borrower's likelihood of defaulting at any given time in the extended future.

There are a number of factors that are taken into account for an individual's credit score including payment history, amounts owed, length of credit history, new credit, and types of credit. People with credit scores below 580 may have trouble finding any type of legitimate credit. Five factors are included and weighted to calculate a person's FICO credit score: FICO scores range from a low of 300 to a high of 850—a perfect credit score that is achieved by only 1% of consumers. If scores fall between 580 and 720, financing for certain loans can often be secured, but with interest rates rising as the credit scores fall.

Moody's issued publicly available credit ratings for bonds, in 1909, and other agencies followed suit in the decades after. Credit ratings also play a large role in a potential investor's determining whether or not to purchase bonds. Factors Affecting Credit Ratings and Credit Scores, Exploring the Types of Default and the Consequences.
For individuals, the credit rating is conveyed by means of a numerical credit score that is maintained by Equifax, Experian, and other credit-reporting agencies. Download historical data for 20 million indicators using your browser. Investopedia uses cookies to provide you with a great user experience.

Bonds rated BB(high) and below are considered to be speculative grade, sometimes also referred to as "junk" bonds. Unlike the ratings provided by the major credit agencies, our index is numerical because we believe it is easier to understand and more insightful when comparing multiple countries. John Knowles Fitch founded the Fitch Publishing Company in 1913, providing financial statistics for use in the investment industry via "The Fitch Stock and Bond Manual" and "The Fitch Bond Book." Credit ratings are never static; in fact, they change all the time based on the newest data, and one negative debt will bring down even the best score.


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