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Credit Rating: Understanding Its Role in Borrowing and Investment A Credit Rating is an assessment of a borrower’s ability to repay debt, typically assigned by credit rating agencies like CRISIL, S&P, and Moody's. It reflects the creditworthiness of a person, company, or government entity and plays a crucial role in determining interest rates on loans and bonds. A higher credit rating signifies lower risk for lenders, while a lower rating indicates higher risk. Credit ratings help investors make
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