Ok. Why? You could also use credit but creditworthiness works better for both contexts.

I figure you’re just being snarky but still.

Comes quite naturally if you're familiar with German word construction.

That said, it doesn't seem to have emerged into widespread use until well after the 1950s, so would have been a peculiar choice for a 19th century author:

<https://books.google.com/ngrams/graph?content=creditworthine...>