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Credit rating is an essential method for credit risk management and has been applied in many fields. However, in the process of credit rating, the risk attitude of credit rating manager (i.e., decision maker) and linguistic distribution assessments by experts (i.e., individuals) are rarely considered. Inspired by this, in this paper, First, based on the linguistic distribution assessments provided by different individuals, we build a minimum adjustment cost consensus model to promote the consensus efficiency among different individuals. Then, we integrate the linguistic decision matrix and numerical decision matrix into the decision matrix. Next, based on the heterogeneous types of risk attitudes of decision makers, the dominance relationships between the candidate enterprises and the representative enterprises in different grades are determined. Further, the corresponding dominance degree between the candidate …