<Table> <Tr> <Td> </Td> <Td> This article needs additional citations for verification . Please help improve this article by adding citations to reliable sources . Unsourced material may be challenged and removed . (February 2013) (Learn how and when to remove this template message) </Td> </Tr> </Table> <Tr> <Td> </Td> <Td> This article needs additional citations for verification . Please help improve this article by adding citations to reliable sources . Unsourced material may be challenged and removed . (February 2013) (Learn how and when to remove this template message) </Td> </Tr> <P> A credit reference is information, the name of an individual, or the name of an organization that can provide details about an individual's past track record with credit . Credit rating agencies provide credit references for companies while credit bureaus provide credit references for individuals . </P>

Who do you put down for credit references