@MrChrister I just voted to close a question and left a comment suggesting that the question asker, a new user, peruse an almost identical question on Quant SE quant.stackexchange.com/questions/115/…
One more item: I created a Credit-Ratings-Agency tag, as there was Credit-Rating and Credit, both of which pertained ONLY to an individual's credit score. There were many questions on the site (5 that I've found so far) that explicitly asked about Credit Ratings Agencies e.g. S&P, Moody's et. al. I will draft an associated Tag Wiki for Credit Ratings Agency later today.
@FeralOink Wonderful. That looks like a pretty smart idea. I am going to close it since you already directed the poster to the better site. I don't think the question is well formed enough to migrate.
@Manishearth I pinged you because I saw your little mu icon in the display for who was in the room. It only showed you and me and maybe MrChrister, though I'm not sure. Anyway, sorry to bother you, and thank you for the input.