Creditworthiness is the name for the judgement can this person or company be trusted to pay what they owe? Banks and shops look at your history of paying on time, how much you already owe, and what you earn. If your creditworthiness is high, they are more willing to lend. If it is low, they may say no, or charge more. It is a heavy, official word from the money world. You will see it in bank letters and news about loans, not in chat with friends. Though actually, it is not a moral score. It does not ask whether you are kind, brave, or a worthy person in a story. It only asks whether the numbers say you will pay.