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Credit Rating Agency Wikipedia
A credit rating agency CRA, also called a ratings service is a company that assigns credit ratings, which rate a debtor's ability to pay back debt by making timely interest payments and the likelihood of default.An agency may rate the creditworthiness of issuers of debt obligations, of debt instruments, and in some cases, of the servicers .
Credit Score Wikipedia
A credit score is a numerical expression based on a levelysis of a person's credit files, to represent the creditworthiness of an individual. A credit score is primarily based on a credit report information typically sourced from credit bureaus Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk .
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