Compliance is a major risk, if seen from the creditor’s point of view. The main concern of creditors before issuing credit to any business is to make sure whether the business is worth the risk. Business credit rating agencies gauge the credit worthiness of a business with the help of compliance checks. Given below are a number of factors that affect the credit compliance of a business: 1. The Business Plan: 2. A separate Business Bank account: 3. A Business Address and Business Phone number: 4. An Employee Identification Number: 5. Directory Listings: 6. Permits and Licenses: 7. Financial Statements of the business: The above factors might give you an idea about the problems to be tackled before applying for business credit.