A word for the credit rating agencies

Sir, – I fail to understand why the Minister for Finance feels it necessary to talk to the credit rating agencies. Their performance over the years has been sub- Standard, uniformly Poor, erratically Moody and together they give me an irritating F-itch. I was trying to find a suitable group noun for these agencie;, the best I could think of was a “Junk of credit rating agencies”, I am sure your readers can come up with better suggestions. – Yours, etc,

GRAEME GUTHRIE,

Cross,

Kilmeena,

Westport,

Co Mayo.