creditworthiness
/ˈkredɪtwɜːðinəs/ (bre, ipa) · /ˈkredɪtwɜːrðinəs/ (ame, ipa)
creditworthiness — noun
1. the quality of being someone who a bank or lender judges safe to give a loan to,
the quality of being someone who a bank or lender judges safe to give a loan to, usually based on past borrowing behaviour and current income.
Before approving the mortgage, the bank ran a full check on Sophia's creditworthiness.
collocation: check / assess + somebody's creditworthiness
Two missed car payments seriously damaged Reuben's creditworthiness for the next seven years.
collocation: damage / hurt + creditworthiness
Small business owners often build creditworthiness slowly by paying suppliers on time every month.
The rating agency downgraded the country's creditworthiness after three years of rising public debt.
Hao showed the loan officer two years of pay slips to prove his creditworthiness.
- credit standing
near-synonym; used in banking reports for the same overall judgement
- solvency
broader — ability to pay all debts as they fall due, not just qualify for new credit
- financial reliability
everyday wording; less technical than 'creditworthiness'
- default risk
the opposite angle — the chance the borrower fails to repay
- insolvency
stronger — unable to meet debts at all, not just a poor credit profile
文法句型
uncountable noun
用法筆記
Almost always uncountable. Subject of verbs like 'assess', 'check', 'damage', 'restore', 'improve'; the possessor is usually a person, household, company, or country.