Credit Ratings Agencies such as Standard and Poor's(S&P) Global Ratings, Fitch Ratings, Moody's Investors Service and DBRS Morningstar are NOT always 100% right and reliable. It has been established that sometimes there is a conflict of interest between bond issuers and these credit ratings agencies. "The conflict of interest between credit ratings agencies and the bond issuers from whom they receive fees sincerely undermines the ability of credit ratings agencies to give an unbiased assessment of credit risk.