credit standing; credit status
Used in financial contexts to refer to a person's or company's creditworthiness or credit rating.
In loan screening, the applicant's credit standing is given great importance.
If your credit status worsens, it becomes difficult to obtain new loans.
信用 is the general concept of trust or credit, while 信用状態 specifically refers to the state or condition of one's credit.
信用度 is a more common term for credit rating or credit score, often used in consumer contexts.
Compound of 信用 (credit, trust) and 状態 (state, condition).