noun
credit-worthiness directory; credit reference book
A directory listing the credit status or trustworthiness of individuals or businesses. Used in financial or business contexts.
銀行は融資の審査に興信録を参照した。
The bank consulted a credit-worthiness directory when reviewing the loan.
信用調査 is a credit investigation or background check, while 興信録 is a published directory of such information.
Compound of 興信 (kōshin, 'credit investigation') and 録 (roku, 'record'). The exact historical derivation is uncertain.