Moody's preaching and Sankey's musical gifts were significant ; their arrangements were the forerunners of gospel music, and churches all over the U. S. were eager to acquire them.

Hungary's sovereign foreign currency debt issuance carries investment-grade ratings from all major credit-rating agencies, although recently the country was downgraded by Moody's, S & P and remains on negative outlook at Fitch.

By March 2009, Porsche SE was aiming for its first ever credit ratings from U. S. rating agencies Standard & Poor's and Moody's.

Bonds below Baa / BBB ( Moody's / S & P ) are considered junk-or high risk bonds.

Moody's S & P

* Moody's Investors Service ( U. S .)

Moody's and S & P each control about 40 percent of the market.

By contrast, most large and medium-sized CRAs ( including Moody's, S & P, Fitch, Japan Credit Ratings, R & I, A. M. Best and others ) today rely on an " issuer-pays " business model in which most of the CRA's revenue comes from fees paid by the issuers themselves.

The auditorium, used for Moody's religious conventions, and the school's original Romanesque Revival buildings will remain extant on the Northfield campus as part of C. S.

According to Peter Robison and Christopher Donville of Bloomberg News, as reported in the Seattle Times ( April 17, 2009 ), " Weyerhaeuser is in a financial crisis so deep the largest U. S. lumber producer turns down the heat in its offices to save money ..." On September 28, 2009, Moody's reported Weyerhauser's proposed new notes rated at Ba1, a rating that puts them with junk bonds.

* 1997 – Alfa Bank draws US $ 40 million syndicated loan ; Euromoney declares Alfa Bank The Best Bank in Russia in 1997 ; first credit ratings received from Moody's and Standard & Poor's ( S & P ); Alfa Bank places the first issue of US $ 175 million, 3-year Eurobonds, becoming the first privately owned Russian bank to issue Eurobonds ; branches in Saint Petersburg and Samara open ; the value of total assets passes US $ 1 billion ;

* 2003 – unaudited financial statements reveal record high growth in profits in 2002 ( loan portfolio increased 70 % to US $ 1. 4 billion, assets surged 51 %, while net income rose by more than a third ); Alfa Bank, in partnership with the Lauder Institute of the Wharton School of Business, establishes a new award for Excellence in Foreign Investment, which would be presented to foreign companies operating in Russia for weighty contribution to the corporate governance and successful business operations ; Alfa Bank draws US $ 82 million unsecured syndicated loan, the biggest on record among private banks ; S & P, Fitch and Moody's upgrade Alfa Bank's rating during the year ;

* 2005 – Interbrand ranks Alfa Bank 9th strongest brand in Russia ; Mikhail Fridman becomes the member of the Public Chamber of Russia ; Alfa Bank issues US $ 225 million of subbordinated unsecured Eurobonds ; S & P, Fitch and Moody's upgrade Alfa Bank's rating during the year ;

Moody's Investors Service's closest competitors are Standard & Poor's ( S & P ) and Fitch Group.

* Fairfax Financial Holdings Ltd. has an issuer default rating of: bbb ( A. M. Best ), BBB-( S & P ), Ba1 ( Moody's ), BBB ( DBRS ).

* Crum & Forster Holdings Corp., Fairfax's subsidiary has an issuer default rating of: bbb ( A. M. Best ), BBB-( S & P ), Ba1 ( Moody's ).

* Odyssey Re Holdings Corp., Fairfax's subsidiary has an issuer default rating of: bbb ( A. M. Best ), BBB-( S & P ), Baa3 ( Moody's ).

Freddie's senior debt credit rating remains Aaa / AAA from each of the major ratings agencies Moody's, S & P, and Fitch.

Fitch Ratings, dual-headquartered in New York and London, was one of the three Nationally Recognized Statistical Rating Organizations ( NRSRO ) designated by the U. S. Securities and Exchange Commission in 1975, together with Moody's and Standard & Poor's.

Fitch Ratings is the smallest of the " big three " NRSROs, covering a more limited share of the market than S & P and Moody's, though it has grown with acquisitions and frequently positions itself as a " tie-breaker " when the other two agencies have ratings similar, but not equal, in scale.

Economist Mark Zandi of Moody's Analytics wrote that various factors had kept interest rates low globally in the years CDO volume grew, because of fears of deflation, the bursting of the dot-com bubble, a U. S. recession, and the U. S. trade deficit.

Moody's rates the U. S. companies " A2 " and the unsecured loan notes " A3 ".

While the credit rating of India was hit by its nuclear weapons tests in 1998, it has since been raised to investment level in 2003 by S & P and Moody's.

In Autumn 2011, Standard & Poor's and Moody's downgraded Italian sovereign debt rating because of " Italy's weakening economic growth prospects.

The IFC received credit ratings of AAA from Standard & Poor's in 2010 and Aaa from Moody's Investors Service in 2011.

It has been benefited from steady economic growth and is now the second commercial and financial center of the city, housing international firms like Moody's, Citibank, Aon Corporation, Huawei, Millicom International Cellular, Nissan Motor Corporation represented by Taiyo Motors, Pan American Silver Corporation, a Sumitomo Corporation branch, Ernst & Young, and the " MegaCenter ", Bolivia's biggest shopping mall ( 52. 000 mts2 of construction ).

The credit risk of a high-yield bond refers to the probability and probable loss upon a credit event ( i. e., the obligor defaults on scheduled payments or files for bankruptcy, or the bond is restructured ), or a credit quality change is issued by a rating agency including Fitch, Moody's, or Standard & Poors.

This has included such firms as Standard & Poor's and Moody's.

In addition, Germantown is one of only 29 cities in the nation that maintains a triple-A Bond rating from both Moody's and Standard & Poors.

Engineer Derek Varnals would also contribute heavily to the creation of the early Moody's studio sound, working with Pinder & Clarke to create a more symphonic overlapping sound on the Mellotron as opposed to the sharp ' cut off ' the instrument would normally give, partly achieved by removing all the " sound effects " tapes ( trains, whistles, cockerel crowing, etc.

Specific bond debts owed by both governments and private corporations is rated by rating agencies, such as Moody's, Fitch Ratings Inc., A. M. Best and Standard & Poor's.

The three main rating agencies for municipal bonds in the United States are Standard & Poor's, Moody's, and Fitch.

For instance, losses on $ 340. 7 million worth of CDOs issued by Credit Suisse Group added up to about $ 125 million, despite being rated AAA or Aaa by Standard & Poor's, Moody's Investors Service and Fitch Group.

At the same time, more generally, the largest agencies ( Moody's and Standard & Poor's ) are often seen as promoting a narrow-minded focus on credit ratings, possibly at the expense of employees, the environment, or long-term research and development.

The Big Three credit rating agencies are Standard & Poor's, Moody's Investor Service, and Fitch Ratings.

Following the merger, Abitibi-Consolidated was rated B1, B + and B + by Moody's, Standard & Poor's and Fitch Ratings respectively.

Companies like Standard & Poor's, Moody's, Fitch Ratings, and Dun and Bradstreet provide such information for a fee.

The government's credit rating was upgraded by Moody's and Standard & Poor's.

The bonds received ratings of " AA " and " A1 " from Standard & Poor's and Moody's Investors Service, respectively.

Under colonial rule, the HKMA did not place funds with local banks not rated by Moody's Investors Service or Standard & Poor's.

( S & P and Moody's are the oldest, most widely respected, and by far the largest of the CRAs.

Moody's and S & P, however, chose to affirm Ambac's AAA with their agencies after it succeeded in raising $ 1. 5 billion in new capital in March 2008.