Credit rating is an evaluation of the credit risk of a prospective borrower (an individual, a business, company or a government), predicting their ability to pay back the debt, and an implicit forecast of the likelihood of the debtor defaulting. The credit rating represents an evaluation of a credit rating agency of the qualitative and quantitative information for the prospective borrower, including information provided by the prospective debtor and other non-public information obtained by the credit rating agency's analysts. We in Holistic Advisors work as a bridge between the Borrowers seeking rating and the Credit Rating Agencies. Our experience brings in immense value by getting the desired rating upgrades or avoiding downgrades by fine tuning the strategy.