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Credit unions can help customers improve their credit ratings through products like credit-building loans, and they offer free financial education and assistance.

Then he began receiving letters threatening legal action and repercussions for his credit rating.

It announced plans to lay off 10% of its workforce and began raising more than $20bn through a combination of share sales and borrowing in order to protect its credit rating.

The crisis has hit the country's economy, with the won weakening and global credit rating agencies warning of weakening consumer and business sentiment.

Major credit ratings agencies - Moody's, Fitch and S&P - have since changed their outlook on Adani group companies, including Adani Green Energy, to negative.