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Credit Department Crossword

Across
Oops I applied the payment wrong!!
I once asked you for money but now I am fishing
I am one of three in the USA and I help with your decision making
What others think about me
When the risk of saying yes is too painful
New business starts with me.
I am rarely followed but everyone wishes I were.
I will help you purchase those windows
I have finally reached this
Customers can now pay their bill online using me
Down
Charging ability goes down
I helped Lansing double in size when we joined
I need you so that I can afford this project
I will call you and ask to be paid
When you have more debt than assets
Should pay before receiving materials
I can be part of a music sheet or a contract
Internal name for customer who never pays us
I miss my office scooter
They put tea in the harbor near my house