A downgrade by a credit agency, such as S&P or Fitch, could trigger an interbank lending crisis, either at a local or international level in the case of a country downgrade.

Source: https://www.lewrockwell.com/2023/08/alasdair-macleod/the-global-bank-credit-crisis/

Breakfast presenter pocketed the extra cash by appearing at gatherings put on by credit agency Experian, industry magazine Property Drum and Pimco, an investment management firm.

Source: https://www.dailymail.co.uk/news/article-11735559/Naga-Munchetty-paid-50-000-moonlighting-five-events.html?ns_mchannel=rss&ns_campaign=1490&ito=1490

“The credit agency specifically cited the decline in governance, erosion of cooperation in the federal government and ballooning national debt when making the determination to lower our credit rating,” Manchin said.

Source: https://www.bostonherald.com/2023/08/04/editorial-credit-rating-drop-demonstrates-folly-of-bidenomics/

They then match those details against online databases including electoral registries and credit agency records.

Source: https://hotair.com/jazz-shaw/2023/09/02/arkansas-judge-blocks-social-media-law-n575406