Ban the use of personal credit scores, personal credit reports, and misleading ratios by lenders for business loans.

Since relatively recently, banks have failed to issue a necessary amount of responsible business loans needed for the creation, operation, and/or growth of American businesses. This tragedy can be attributed to the fact that most lenders give the merits of a project and the abilities of an entrepreneur a back seat to irrelevant, inaccurate, and ambiguous considerations.that include personal credit scores, personal credit reports, and misleading ratios. Besides being irrelevant to business, personal credit scores and reports can easily be abused by creditors through a policy of guilty until proven innocent, and penalize borrowers for exercising their right to shop for a loan. Prosperity of America depends on banks to consider only relevant factors, and not use standardized distractions.