The Jewelers Board of Trade is a credit rating and information providing agency for the industry. A listing (not a rating) in the JBT directory is a start, but for purposes of getting credit (memorandums), a high rating is critical. Diamond dealers typically subscribe to JBT information access because they are sending diamonds out to new accounts constantly, and they need an account’s financial status promptly, in order to quickly extend memorandum credit. Many jewelers and dealers feel that the privileged information that the JBT requires for a rating, is an invasion of privacy. In the opinion of this author, it is a small price to pay for the additional access and privileges that a high rating will grant you.