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Our Purpose 
It would be unfortunate if academic research on credit risk in the public domain went unused due to the work and cost involved in its implementation.  We at CreditAnalyzer LLC consider spreading the benefit of selected credit risk research as part of our purpose.  We implement certain research and make it available to you without your investment in software development, data acquisition and maintain.

These academic models do not make any claims of infallibility or perfection.

Though we refer to the model we have implemented by the name of its author, our implementation has not been verified for correctness by the author, and you should make no such assumption.
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CreditAnalyzer LLC
Email: gpc@creditanalyzer.com