???? ??? ????????????? ??? ???? ???? ????? ??????? ???????? ???? ???? ???? ??? ??? ????????????? ??????? ??????? ??????? ???? ???? ??????? ????????????? ??? ???????????? ?????? ?????? ????? ??? ?????? ???? ????? ??? ???? ???? ????????????? ????? ????? ????? ???? ???????2nd, the analyze finds the rating procedures applied through the credit history