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Credit Reference Request Form Template

Streamline Your Credit Reference Process with Our Template

If you're struggling to efficiently collect credit information from potential clients, you're not alone. This credit reference request form template is designed to help financial institutions like yours quickly gather vital credit history details. With this template, you can evaluate applicants more effectively, reduce processing time, and ensure compliance with relevant regulations. Plus, it features WCAG-aligned labels for improved accessibility. Start using the template today to simplify your credit reference requests.

Use this Template (FREE) Live Preview
Applicant legal business name
Primary contact full name
Primary contact email
Primary contact phone
Your organization name (reference provider)
Your relationship to the applicant
Bank
Trade supplier
Landlord
Leasing company
Utility provider
Professional services
Other
Please Specify:
Date account opened or first transaction with the applicant
Usual payment terms you extend to the applicant
Due on receipt
Pay in advance
Net 15
Net 30
Net 45
Net 60
Not applicable
Other
Please Specify:
How often does the applicant pay within agreed terms?
Never
Rarely
Sometimes
Often
Always
Current balance status
Current
1-30 days past due
31-60 days past due
61-90 days past due
>90 days past due
In collections
Closed
Unknown
Has the applicant exceeded their credit limit in the last 12 months?
Yes
No
Unknown
Is any collateral, deposit, or personal guarantee held for this account?
Yes
No
Not applicable
Overall credit experience with this applicant
Poor
Below average
Average
Good
Exceptional
How likely are you to continue extending credit to this applicant?
0 Not at all likely
1
2
3
4
5 Extremely likely
Comments or context about the account and payment behavior
May we share this reference with the applicant and the requesting party?
Yes
No
Reference contact full name
Reference contact phone number
Reference contact email address
Authorized representative typed signature
Date signed
I certify the information provided is accurate to the best of my knowledge
Yes
No
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Paper art illustration depicting a credit reference request form for FormCreatorAI article

When to use this form

Use this form when you need an unbiased view of an applicant's payment behavior before granting terms. It suits wholesalers offering net-30 trade credit, landlords screening tenants, and lenders assessing small business borrowers. Ask banks, vendors, or utilities to confirm account status, average balance, credit limits, and timeliness. The responses help you approve or decline faster and set limits that fit your risk policy. You can pair it with a Business credit application form to capture ownership, EIN, and references in one package, and attach a Borrower's authorization form so the reference can release details without delay. After approval, you can track schedules with a Loan repayment form.

Must Ask Credit Reference Request Questions

  1. What is the applicant's full legal name, business name, and contact information?

    This ties the reference to the correct person or entity and prevents mix-ups with similar names. Complete contact details make it easy to verify and to follow up if data is unclear.

  2. Do you have the applicant's written consent to share account information with us?

    Documented consent protects both you and the reference from privacy or bank secrecy issues. It also reduces delays because many institutions will not respond without proof.

  3. What type of account do you hold with the applicant, and how long has it been open?

    Account type and tenure reveal stability and the kind of risk (loan, trade, lease). Longer history usually gives a more reliable picture of behavior across cycles.

  4. What are the credit terms, highest credit extended, current balance, and credit limit?

    These details help you size your initial limit and avoid overexposure. They also show whether the applicant is already near capacity with other creditors.

  5. What is the applicant's payment history, including average days beyond terms and any returned or late payments?

    This predicts future cash flow impact and likelihood of slow pay. If you approve credit, you can mirror the agreed cadence using a Loan repayment form.

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