John Moody

John Moody was a prominent American financial analyst and the founder of Moody's Investors Service in 1909. He is best known for introducing a system of credit ratings that help investors assess the creditworthiness of companies and governments. His rating system uses letters, like "A" for high-quality bonds and "C" for lower-quality ones, to indicate the risk associated with investments. Moody's has since become one of the major credit rating agencies globally, playing a crucial role in financial markets by providing insights that help investors make informed decisions.