H

Justice, equity and confidence constitute the foundation of credit administration.
Agreements and contracts reflect integrity and should never be breached by either party.
The interchange of credit information must be based upon confidence, cooperation, reciprocity and confidentiality.
It is deemed unethical to be a party to unwarranted assignments or transfers of an insolvent debtor's assets nor should creditors participate in secret arrangements.
Creditors should cooperate for the benefit of all in adjustment or liquidation of insolvent estates or companies.
Creditors must render all possible assistance to honest debtors who become insolvent.
Dishonest debtors must be exposed and referred to the authorities.
Cooperation, fairness and honesty must dominate in all insolvent debtor proceedings.
Costly administrative procedures in the rehabilitation or liquidation of an insolvent debtor shall be avoided at all times.
Members pledge themselves to uphold the integrity, dignity and honor of the credit professional in all of their business dealings