Credit circle
From Infogalactic: the planetary knowledge core
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A credit circle is created when members of a common group, typically a trade association or federation, come together to share information on credit related matters of their customers, such as late payers or bad debtors. Credit Circles traditionally would meet together on a fairly regular basis, although some now share information online to allow each member to carry out a real time credit check on any new customers.
See also
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