A "credit ratings check" is a diagnostic tool used by lenders, investors, and individuals to assess the financial reliability of a person, company, or even a country. It provides a standardized measure of the likelihood that a borrower will fulfill their debt obligations. 1. Consumer Credit Checks
: In the U.S., consumers can access free weekly reports at AnnualCreditReport.com . Primary Agencies : Equifax, Experian, and TransUnion. Common Scoring Tiers (Standard 300–850 scale): Super-prime : 720 or above. Prime : 660–719. Near-prime : 620–659. Subprime : 580–619. Deep subprime : Below 580.
Learn about your credit report and how to get a copy | USAGov
