/ˈkrɛdɪt ˈrɛfrəns ˈeɪdʒənsɪ/ – Phrase
Definition: Tổ chức tham khảo tín dụng.
A more throughout explanation: a company which collects and stores information about peoples’ credit ratings (=calculation of someone’s ability to pay back money borrowed) and provides it to banks, finance companies etc
Example: With so much power in the hands of credit references agencies, it’s vital they don’t make mistakes.