Credit rating agencies are considered to have failed, first, to reflect early enough in their credit ratings the worsening market conditions, and second, to adjust their credit ratings in time following the deepening market crisis.
Arvatakse, et esiteks ei peegeldanud reitinguagentuurid oma krediidireitingutes piisavalt varakult halvenevaid turutingimusi ja teiseks ei kohandanud nad oma krediidireitinguid süvenevas turukriisis õigeaegselt.