Automated Credit Rating Valuation

Hey guys, I have an algorithm that automatically calculates the credit ratings of all publicly traded companies, across all markets. The system currently rates over 10,000 US companies with continuous quarterly updates. The change in credit rating overtime can give an early signal about approaching default. What do you guys think about the applicability of this? I'm having a hard time defining a unique value proposition, but I have the credit ratings of thousands of OTC pennystock companies. Any suggestions?

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