How can we change the way the credit-rating system works to avoid the problems encountered with ratings prior to the Global Financial Crisis?

Name: How can we change the way the credit-rating system works to avoid the problems encountered with ratings prior to the Global Financial Crisis?
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The Answer of How can we change the way the credit-rating system works to avoid the problems encountered with ratings prior to the Global Financial Crisis?

How Can We Change the Way the Credit-Rating System Works