An estimate of a person's ability to pay off debts based on his or her history of borrowing and making payments on time is called what?

An estimate of a person's ability to pay off debts based on his or her history of borrowing and making payments on time is called credit rating.

A credit rating is defined as an assessment of a person's credit worth with respect to a particular debt. It focuses on the assessment of ones ability to pay off debts timely and maintain good credit scores.

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