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PIB TIP: LIST CREDIT REFERENCES. For submitting a business plan to a lender, list credit references, even if you don’t have a perfect credit history. Include present and past creditors. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and is sponsored by Freightliner Trucks. strives to maintain an open forum for reader opinions. Click here to read our comment policy.