Lenders use the scores to gauge a potential borrower's creditworthiness. The same occurred for their ability to obtain information about debtor's creditworthiness. These "naked credit default swaps" allow traders to speculate on the creditworthiness of reference entities. In Germany, credit scoring is widely accepted as the primary method of assessing creditworthiness. Consumer credit and creditworthiness is a complex subject, however. In Australia, credit scoring is widely accepted as the primary method of assessing creditworthiness. For example, they provide credit providers with information on the creditworthiness of consumers. Insiders are in the best position to determine the creditworthiness of such securities going forward. Different institutions borrow money at different rates, depending on their creditworthiness. Alternatively, the investor might sell protection if it thinks that the company's creditworthiness might improve. Prices were negotiated and relied on the storekeeper's estimate of a customer's creditworthiness. As a result, perceptions of Morocco's creditworthiness have improved. The disparities are not simply due to differences in creditworthiness.