Fair, Isaac & Co. and Net Earnings of Burlingame, Calif., have jointly developed an Internet service that lets small businesses check the creditworthiness of trading partners.

The service, Credit FYI, is aimed at the three million small businesses that are on-line and extend trade credit to other companies, said Latimer Asch, vice president of San Rafael, Calif.-based Fair, Isaac. On average, small businesses issue credit 30 times a year.

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