The Financial Bureau performs determine credit rating by quantified assessment of the credit worthiness of financial debt in particular or general financial obligation for businesses and corporates.

The objective of a financial bureau is to analyse and distribute credit information to businesses in order to assist them in making good credit decisions, devising cost-cutting measures, and increasing portfolio profitability. Credit ratings indicate the borrower's ability to repay the loan without defaulting. According to the FICO computation, these scores are based on a numeric scale.

A low credit rating emphasises a borrower's prior payments failing and implies a trend after analysing the financial, operational, and market situation. A better credit rating, on the other hand, implies that repayment is possible without any problems.