Which of the following is true regarding the relationship of Credit Rating Agency (CRA)?

• A. It determines the creditworthiness of the institutions issuing a certain type of debt load and the debt instruments themselves.
• B. While determining the creditworthiness of an institution issuing a loan, the credit worthiness of that institution (ie the ability to pay back the loan) is taken into account and also affects the rate of interest charged on the particular security issuer.
• C. Unlike CRA entities, a company that issues credit scores for creditworthiness on an individual level is generally known as a credit bureau or consumer credit reporting agency.
• D. All of the above