"Idiosyncrasy credit" is not a commonly used term in finance or economics. However, "idiosyncratic risk" is a term used in finance to describe the risk that is specific to a particular asset or company and is not related to the overall market risk.
In other words, idiosyncratic risk is the risk that a particular investment may face due to factors specific to that investment, such as changes in management, legal or regulatory issues, technological changes, or other factors that may impact the performance of that investment.
Idiosyncratic risk is often contrasted with systematic risk, which refers to the risk that affects the entire market or a particular sector, such as changes in interest rates, inflation, or economic growth.
In some cases, investors may be willing to accept higher levels of idiosyncratic risk in exchange for potentially higher returns, although this strategy can be risky and is not suitable for all investors