Credit worthiness includes many variables, including repayment habits; the number of open credit facilities a person currently has, debt to income ratio and credit history.

信贷价值包括许多可变因素。其中包括还款习惯，当前拥有的无条件贷款信用额度，贷款收入比率以及信用历史。

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months of poor economic conditions have eroded credit-worthiness, while the housing bust has left a quarter of mortgage borrowers with negative equity.

经济条件不好的那几个月已经侵蚀了信用可靠度，而房地产泡沫破裂使得四分之一按揭贷款人变成拥有负资产。

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He had a neat idea and that was to give letter grades to securities that represented credit worthiness.

他有个绝妙的主意，就是用字母，给证券评级，以此来代表其信用状况。

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Banks, for example, worry about their customers divorcing, because divorce causes a change in credit-worthiness.

FORBES: Driven by Data: Your Bank Can Predict Your Divorce

Data-mining companies say they can judge our credit-worthiness based on that of our friends.

FORBES: Woman Tattoos Her Facebook Friends On Her Arm

So why is the Italian government's credit-worthiness perceived to be only marginally better than mine.

BBC: Who would you lend to �C Italy or Peston?