Our Philosophy
From opinion towards measurement.
Credit ratings are opinions. The evidence supporting those opinions can and should become more measurable, testable and explainable. Human judgement remains essential, but it must be accountable to evidence.
RelevanceMeasure what materially informs creditworthiness.
EvidenceAnchor analysis in observable and defensible evidence.
TransparencyExplain principles, drivers and evidence standards.
ValidationDesign methods for continuous testing against outcomes.
ExplainabilityMake material reasoning understandable to serious users.
IndependenceProtect analytical conclusions from external pressure.
InnovationUse research, data and technology to improve measurement.
HumilityKeep established measures open to evidence-based examination.