CreditSpectrum Corp, originally R&R Consulting, was founded in 2000 by ex-Moody’s analysts Ann Rutledge and Sylvain Raynes, to supply more powerful predictive credit analytics to users of credit. We invented a new method for producing point-in-time structured ratings at a time when the government-designated ratings agencies offered static ratings only. https://patents.google.com/patent/US20030208431A1/en Today we provide continuous monitoring solutions for loan capital, cash flow valuation and credit rating analysis. CreditSpectrum sets the standard in the market for speed, transparency, traceability and non-arbitrary risk measures.