"Credit rating agency" . . "rating" . "Credit Reference Bureaus" . "rating agencies" . "credit reporting company" . "credit references" . "major credit rating agencies" . "credit reporting agency" . . "consumer reporting agencies" . . . "rating agency" . "credit-rating agencies" . "external credit ratings" . . . "on downgrade" . "Credit Rating Agencies" . "credit rating agency" . . . . "credit rating" . "credit ratings agencies" . . "Corporate Credit Rating System" . "credit ratings" . "paying customers" . "below" . "Credit agencies" . . "bond-rating agencies" . "Credit rating agencies" . "credit reporting" . "Rating Agency" . "triple-A, the most credit-worthy rating" . "Criticism" . "Credit rating agency" . "downgrade" . "credit rating agencies" . . "bond rating service" . "ratings agencies" . . "Credit Rating Agencies Regulations" . . . . . "ratings agency" .