How are we different from credit rating agencies or in-house credit analysis?

We believe that conventional credit analysis – done at credit rating agencies or in-house – covers company-specific historical data quite well. However, in a fast-changing world, such data is rarely useful for real-time estimates of a company’s creditworthiness.
As a result, most of the conventional credit analysis is neither dynamic enough not sufficiently accurate – as brought out quite painfully during the defaults by AAA and AA rated companies in the recent couple of years.