Most people may not be versed on the moodys rating scale or even Moody's the company itself. The most well known company in formulating credit scores is Fair Isaac, but Moody's is also a player in the credit rating field and financial exchange.

Moody's supplies much more than just credit ratings. They also give financial institutions extensive research tools and risk analysis when it comes to consumers and their credit competence. They are a global organization and employ over 3,000 people worldwide.

Moody's credit ratings and research aid investors in examining the credit risks associated with fixed-income securities. Such independent credit ratings and research also contribute to efficiencies in fixed-income markets and other obligations, such as insurance policies and derivative transactions, by providing credible and independent assessments of credit risk.

Moody's default studies validate their predictive ratings. Their published research and investor discussions draw thousands of attendees every single year and keep investors current with the logic underlying their credit opinions.

In addition to its ratings services, Moody's puts out investor oriented credit research, including in-depth research on major debt issuers, industry studies, special comments and credit opinion pamphlets. While research, analysis and documentation are delivered through a number of channels, most of Moody's clients use www.moodys.com for access to such services in a real-time environment.

Clients who use the moodys rating agency, include a full range of corporate and governmental issuers of securities as well as institutional investors, depositors, creditors, investment banks, commercial banks, and other financial intermediaries.

While your FICO credit score is widely perceived as the industry authority, Moody's is a company that provides much of the same services that FICO does, including personal credit ratings as well as credit evaluations of numerous companies and financial institutions. They have existed almost as long as Fair Isaac and have been making available credit ratings, in addition to other risk analysis tools for just as long.

Basically, the moody credit rating service handles businesses and corporations while FICO assists consumers. However, both are important in the financial world when it relates to measuring credit worthiness. Lenders put a lot of stock into the Moody credit formula and they are greatly regarded in the corporate industry.

We time and again live on credit - that includes businesses too. Moody's credit rating service helps to keep lenders protected when they are giving out loans to different entities and they want to make sure they can present the most factual information as well as the most recent data that is available.

Learn more about the differences between Moody's Rating Scale and the FICO scoring system, and how they both directly affect you at www.WayToFixCredit.com.

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