credit grading信用等级Grades an individual or company on how good their credit is.标明个人或公司信用好坏的等级。credit history信用记录A statement of the debts and obligations,whether current or past,of a person which helps a lender to assess the risk of a loan to that person. credit rating grades an individual or company on how good their credit is. A statement of the debts and obligations, whether current or past, of a person which helps a lender to assess the risk of a loan to that person.