If financiers judge that someone will pay his debts, the normal word used is 'credit-worthy'. In your second sentence, 'creditable' seems to be used to mean 'credit-worthy'. Maybe this is accountants' jargon, or Am. E ...; colloquially - in Br E - people say 'credit-worthy' (or just 'good': 'Come on. Lend it to me. You know I'm good for a measly fiver'.
The word 'creditable' is more often used to mean estimable/decent/of some value...(very informally 'not to be sniffed at') - as in 'a creditable performance'.
Student or Learner