That's exactly where my mind went as soon as I read the title. HN rules say to "use the original title, unless it is misleading". I think the original title meets the misleading bar but I can't speak for other readers.
"Private credit" is a finance term of art. It could be misleading if you don't have context for the correct definition, but that's true of many posts on this site.
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it is correct, though.
someone not knowing the definition != misleading title