---
title: creditworthiness — school dictionary · trees and pragmatics
description: «creditworthiness» in the school dictionary: Creditworthiness is how safe a bank or shop thinks it is to lend money to a person or company, based on whether they usually pay back what they owe. Every meaning for a pupil with its dependency tree and pragmatics.
---

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# creditworthiness

<!-- .vintro -->
**Who acts:** Creditworthiness, bank, Paying, Missing loan payments, Lenders, Good creditworthiness · **What happens:** be, think, base, pay back, owe, check · **To what, where:** person, creditworthiness, mortgage, bills, much, credit score · **Speech:** someone speaks here

<!-- .vabout -->
«creditworthiness» in the school dictionary: its meaning for a pupil and its 6 examples, every sentence parsed by Mova itself — its syntax tree, a dependency tree in the style of Universal Dependencies, and its pragmatics clause by clause. The word in the dictionary, with its sense in the lessons: [creditworthiness in the school dictionary](https://md.mova.elamur.ai/free/en/dictionaries/school/w/creditworthiness.md).

## Meaning 1 {#m1}

<!-- .note -->
Usage: money — kept apart, not parsed.

<!-- .ven lang=en -->
Creditworthiness is how safe a bank or shop thinks it is to lend money to a person or company, based on whether they usually pay back what they owe.

<!-- fold The tree, 29 words -->
```conllu
# sent_id = dict:school:creditworthiness:m1:1
# text = Creditworthiness is how safe a bank or shop thinks it is to lend money to a person or company, based on whether they usually pay back what they owe.
1	Creditworthiness	creditworthiness	NOUN	NN	Number=Sing	4	nsubj	_	_
2	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	cop	_	_
3	how	how	ADV	WRB	PronType=Int	4	advmod	_	_
4	safe	safe	ADJ	JJ	Degree=Pos	0	root	_	_
5	a	a	DET	DT	Definite=Ind|PronType=Art	6	det	_	_
6	bank	bank	NOUN	NN	Number=Sing	9	nsubj	_	_
7	or	or	CCONJ	CC	_	8	cc	_	_
8	shop	shop	NOUN	NN	Number=Sing	6	conj	_	_
9	thinks	think	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	parataxis	_	_
10	it	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	13	nsubj	_	_
11	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	13	cop	_	_
12	to	to	PART	TO	_	13	mark	_	_
13	lend	lend	VERB	VB	VerbForm=Inf	9	ccomp	_	_
14	money	money	NOUN	NN	Number=Sing	13	obj	_	_
15	to	to	ADP	IN	_	17	case	_	_
16	a	a	DET	DT	Definite=Ind|PronType=Art	17	det	_	_
17	person	person	NOUN	NN	Number=Sing	13	obl	_	_
18	or	or	CCONJ	CC	_	19	cc	_	_
19	company	company	NOUN	NN	Number=Sing	17	conj	_	SpaceAfter=No
20	,	,	PUNCT	,	_	21	punct	_	_
21	based	base	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	17	acl	_	_
22	on	on	SCONJ	IN	_	26	mark	_	_
23	whether	whether	SCONJ	IN	_	26	mark	_	_
24	they	they	PRON	PRP	Case=Nom|Number=Plur|Person=3|PronType=Prs	26	nsubj	_	_
25	usually	usually	ADV	RB	_	26	advmod	_	_
26	pay	pay	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	21	advcl	_	_
27	back	back	ADV	RB	_	26	advmod	_	_
28	what	what	PRON	WP	PronType=Int	30	obj	_	_
29	they	they	PRON	PRP	Case=Nom|Number=Plur|Person=3|PronType=Prs	30	nsubj	_	_
30	owe	owe	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	26	conj	_	SpaceAfter=No
31	.	.	PUNCT	.	_	4	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present | Creditworthiness |  |  |  |  | safe *property* | tree rules |
| 2 | **think** *speech: other* | present | a bank or shop |  |  |  |  |  | vn consider-29.9-2 «NP V how S\_INF»: agent=Agent clause=Theme |
| 3 | **is** | present | Creditworthiness |  |  |  |  | to a person or company; lend *property* | tree rules |
| 4 | **base** | participle |  | a person or company *not said here* |  |  |  |  | vn base-97.1 «NP V NP PP.source»: agent=Agent |
| 5 | **pay back** | present | bank |  |  |  |  | usually *property* | vn pay-68-1 «NP V NP»: agent=Agent |
| 6 | **owe** | present | bank |  |  |  |  |  | vn future\_having-13.3 «NP V NP.theme (PP)»: agent=Agent what=Theme |

<!-- .note -->
One row per clause the reader finds. «not said here»: a role filled from the clause above. «roles by»: a VerbNet class and frame when one fits the verb, else the reader's rules on the tree.

## Example 1 {#x1}

<!-- .ven lang=en -->
The bank checked Dad's creditworthiness before giving the mortgage.

```conllu
# sent_id = dict:school:creditworthiness:x1:1
# text = The bank checked Dad's creditworthiness before giving the mortgage.
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	bank	bank	NOUN	NN	Number=Sing	3	nsubj	_	_
3	checked	check	VERB	VBD	Mood=Ind|Number=Sing|Person=3|Tense=Past|VerbForm=Fin	0	root	_	_
4	Dad	Dad	PROPN	NNP	Number=Sing	6	nmod:poss	_	SpaceAfter=No
5	's	's	PART	POS	_	4	case	_	_
6	creditworthiness	creditworthiness	NOUN	NN	Number=Sing	3	obj	_	_
7	before	before	SCONJ	IN	_	8	mark	_	_
8	giving	give	VERB	VBG	Tense=Pres|VerbForm=Part	3	advcl	_	_
9	the	the	DET	DT	Definite=Def|PronType=Art	10	det	_	_
10	mortgage	mortgage	NOUN	NN	Number=Sing	8	obj	_	SpaceAfter=No
11	.	.	PUNCT	.	_	3	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **check** | past | the bank | Dad's creditworthiness |  |  |  |  | vn assessment-34.1 «NP V NP»: agent=Agent creditworthiness=Theme |
| 2 | **give** | gerund | the bank *not said here* | the mortgage |  |  |  |  | vn give-13.1-1 «NP V NP»: agent=Agent mortgage=Theme |

## Example 2 {#x2}

<!-- .ven lang=en -->
Paying bills on time improves your creditworthiness.

```conllu
# sent_id = dict:school:creditworthiness:x2:1
# text = Paying bills on time improves your creditworthiness.
1	Paying	pay	VERB	VBG	Tense=Pres|VerbForm=Part	5	csubj	_	_
2	bills	bill	NOUN	NNS	Number=Plur	1	obj	_	_
3	on	on	ADP	IN	_	4	case	_	_
4	time	time	NOUN	NN	Number=Sing	1	obl	_	_
5	improves	improve	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
6	your	your	PRON	PRP$	Case=Gen|Person=2|Poss=Yes|PronType=Prs	7	nmod:poss	_	_
7	creditworthiness	creditworthiness	NOUN	NN	Number=Sing	5	obj	_	SpaceAfter=No
8	.	.	PUNCT	.	_	5	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **pay** | gerund |  | bills |  |  | time |  | vn pay-68-1 «NP V NP»: agent=Agent bill=Asset |
| 2 | **improve** | present | Paying | your creditworthiness |  |  |  |  | vn other\_cos-45.4 «NP V NP.patient»: agent=Agent creditworthiness=Patient |

## Example 3 {#x3}

<!-- .ven lang=en -->
A company's creditworthiness affects how much it can borrow.

```conllu
# sent_id = dict:school:creditworthiness:x3:1
# text = A company's creditworthiness affects how much it can borrow.
1	A	a	DET	DT	Definite=Ind|PronType=Art	2	det	_	_
2	company	company	NOUN	NN	Number=Sing	4	nmod:poss	_	SpaceAfter=No
3	's	's	PART	POS	_	2	case	_	_
4	creditworthiness	creditworthiness	NOUN	NN	Number=Sing	5	nsubj	_	_
5	affects	affect	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
6	how	how	ADV	WRB	PronType=Int	7	advmod	_	_
7	much	much	ADJ	JJ	Degree=Pos	5	obj	_	_
8	it	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	10	nsubj	_	_
9	can	can	AUX	MD	VerbForm=Fin	10	aux	_	_
10	borrow	borrow	VERB	VB	VerbForm=Inf	7	acl:relcl	_	SpaceAfter=No
11	.	.	PUNCT	.	_	5	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **affect** | present | a company's creditworthiness | much |  |  |  |  | vn amuse-31.1 «NP V NP»: agent=Stimulus much=Experiencer |
| 2 | **borrow** | can | creditworthiness |  |  |  |  |  | vn obtain-13.5.2 «NP V NP»: agent=Agent |

## Example 4 {#x4}

<!-- .ven lang=en -->
Missing loan payments harmed her creditworthiness.

```conllu
# sent_id = dict:school:creditworthiness:x4:1
# text = Missing loan payments harmed her creditworthiness.
1	Missing	missing	ADJ	JJ	Degree=Pos	3	amod	_	_
2	loan	loan	NOUN	NN	Number=Sing	3	compound	_	_
3	payments	payment	NOUN	NNS	Number=Plur	4	nsubj	_	_
4	harmed	harm	VERB	VBD	Mood=Ind|Number=Plur|Person=3|Tense=Past|VerbForm=Fin	0	root	_	_
5	her	her	PRON	PRP$	Case=Gen|Gender=Fem|Number=Sing|Person=3|Poss=Yes|PronType=Prs	6	nmod:poss	_	_
6	creditworthiness	creditworthiness	NOUN	NN	Number=Sing	4	obj	_	SpaceAfter=No
7	.	.	PUNCT	.	_	4	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **harm** | past | Missing loan payments | her creditworthiness |  |  |  |  | vn amuse-31.1 «NP V NP»: agent=Stimulus creditworthiness=Experiencer |

## Example 5 {#x5}

<!-- .ven lang=en -->
Lenders use a credit score to judge creditworthiness.

```conllu
# sent_id = dict:school:creditworthiness:x5:1
# text = Lenders use a credit score to judge creditworthiness.
1	Lenders	lender	NOUN	NNS	Number=Plur	2	nsubj	_	_
2	use	use	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	a	a	DET	DT	Definite=Ind|PronType=Art	5	det	_	_
4	credit	credit	NOUN	NN	Number=Sing	5	compound	_	_
5	score	score	NOUN	NN	Number=Sing	2	obj	_	_
6	to	to	PART	TO	_	7	mark	_	_
7	judge	judge	VERB	VB	VerbForm=Inf	2	advcl	_	_
8	creditworthiness	creditworthiness	NOUN	NN	Number=Sing	7	obj	_	SpaceAfter=No
9	.	.	PUNCT	.	_	2	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **use** | present | Lenders | a credit score |  |  |  |  | vn eat-39.1 «NP V NP»: agent=Agent score=Patient |
| 2 | **judge** | to-infinitive | Lenders *not said here* | creditworthiness |  |  |  |  | vn estimate-34.2-1-1 «NP V NP.value»: agent=Agent creditworthiness=Value |

## Example 6 {#x6}

<!-- .ven lang=en -->
Good creditworthiness can mean lower interest on a loan.

```conllu
# sent_id = dict:school:creditworthiness:x6:1
# text = Good creditworthiness can mean lower interest on a loan.
1	Good	good	ADJ	JJ	Degree=Pos	2	amod	_	_
2	creditworthiness	creditworthiness	NOUN	NN	Number=Sing	4	nsubj	_	_
3	can	can	AUX	MD	VerbForm=Fin	4	aux	_	_
4	mean	mean	VERB	VB	VerbForm=Inf	0	root	_	_
5	lower	low	ADJ	JJR	Degree=Cmp	6	amod	_	_
6	interest	interest	NOUN	NN	Number=Sing	4	obj	_	_
7	on	on	ADP	IN	_	9	case	_	_
8	a	a	DET	DT	Definite=Ind|PronType=Art	9	det	_	_
9	loan	loan	NOUN	NN	Number=Sing	6	nmod	_	SpaceAfter=No
10	.	.	PUNCT	.	_	4	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **mean** | can | Good creditworthiness | lower interest |  | a loan |  |  | vn intend-61.2-1 «NP V NP»: agent=Agent interest=Topic |

<!-- div src -->

**Text:** the school dictionary of Mova's schools (`world/data/dictionary-schools/`), written for Mova. **Trees:** Mova's own parse — the `en` model on the CPU, when the site is built — not checked by a teacher; they may be wrong. **Frames:** Mova's frames reader (`prag`), each meaning and example read on its own. Elamur Cosmic License.

<!-- /div -->

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