Fitch Ratings is an international credit rating agency based out of New York City and London. Investors use the company's ratings as a guide as to which investments will not default and subsequently yield a solid return.The company's most popular product is its bond credit rating, which essentially acts like an index fund for bonds based on its expertise in assessing the riskiness of bonds.The basic premise behind their ratings is that most corporations have been led by an accurate business plan, with sound financial management. Once investors are confident about their investment's foundation, they pass this on to Fitch Ratings for financial analysis purposes. They determine the creditworthiness of the company and assign it with a rating.Fitch Ratings has four main categories for credit ratings: Investment Grade, Speculative Grade, High Yield, and Default. The investment grade category is reserved for companies that have solid financial management and are likely to pay off their loans on time.Fitch Ratings is an international credit rating agency that analyzes hundreds of different variables to determine the financial health of companies and countries around the world.