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Cracking The Moody's Rating Scale Formula And How It Exactly Helps Lenders
Many people may not be familiar with the moodys rating scale or even Moody's the company itself. The most prominent company in assigning credit scores is Fair Isaac, but Moody's is also a participant in the credit reporting field and financial market.
Moody's administers much more than just credit ratings. They also give financial institutions powerful research software and risk analysis when it relates to consumers and their credit worthiness. They are a large-scale business and manage over 3,000 people worldwide.
Moody's credit ratings and research aid investors in examining the credit uncertainty affiliated with fixed-income securities. Such independent credit ratings and research also contribute to efficiencies in fixed-income markets and other obligations, such as insurance policies and derivative transactions, by providing credible and independent assessments of credit risk.
Moody's main studies certify their predictive ratings. Their published research and investor conferences attract thousands of attendees each year and keep investors current with the rationale underlying their credit assessments.
In addition to its ratings services, Moody's publishes investor oriented credit research, including in-depth research on major debt issuers, industry studies, special comments and credit opinion handbooks. While research, analysis and information are delivered through a multitude of channels, most of Moody's clients use www.moodys.com for access to such services in a real-time environment.
Organizations who use the moodys rating agency, include a broad range of corporate and governmental issuers of securities as well as institutional investors, depositors, creditors, investment banks, commercial banks, and other financial intermediaries.
While your FICO credit score is widely known as the industry authority, Moody's is a company that offers much of the same services that FICO does, including individual credit ratings as well as credit ratings of different companies and financial institutions. They have been around almost as many years as Fair Isaac and have been providing credit ratings, in addition to other risk analysis tools for just as long.
Essentially, the moody credit rating service handles businesses and corporations while FICO caters to individuals. However, each are vital in the financial world when it comes to determining credit worthiness. Lenders put a lot of faith into the Moody credit rating and they are highly regarded in the corporate world.
We generally live off credit - that entails companies as well. Moody's credit rating service helps to keep lenders protected when they are giving out funds to various individuals and they want to be certain they can offer the most concrete information as well as the most recent data that is available.
Learn more about the differences between Moody's Rating Scale and the FICO scoring system, and how they both directly affect you at www.WayToFixCredit.com.
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