Before revision:  What is more , Factor Analysis can reduce significantly the number of features  to obtain almost the same accuracy that can decrease dramatically the time spent on analyzing data .In addition, we summarise seven dominant factors and ten dominant factors having effect on credit rating change in Financial Ratio and Balance Sheet respectively by utilizing Factor Analysis  which can explain the reason of credit rating change better.
After revision:  What is more , Factor Analysis can reduce significantly the number of features to obtain almost the same accuracy that can decrease dramatically the time spent on analyzing data ; we also summarized seven dominant factors and ten dominant factors having effect on credit rating change in Financial Ratio and Balance Sheet respectively by utilizing Factor Analysis which can explain the reason of credit rating change better.