Hi all, I am thinking of starting a user generated credit ratings site. As so many businesses are doing a lot credit sales, the people needed a reliable source for giving credit for their potential customers even though they might be only a startup. But desperately lacked concrete business models to continue the idea. Any ideas are appreciated. This site is for suppliers who wanted credit reference for potential customers who needed credit to buy a product. This is unavailable in third world countries, like Indonesia; especially small stores who did not even list their numbers in the yellowpages or have a bank account!