Which of the following is NOT required on a merchant application?

The personal credit score is not a standard requirement on a merchant application. Merchant applications typically focus on aspects that are directly related to the business operations and compliance with financial regulations. The inclusion of a business telephone number, Tax Identification Number (TIN), and Employer Identification Number (EIN) are vital because they help establish the legitimacy of the business, facilitate taxation, and conduct credit assessments.

A business telephone number is necessary for communication purposes, allowing the financial institution to contact the merchant as needed. The TIN is essential for tax reporting and compliance, while the EIN serves a similar purpose by identifying the business entity for federal tax purposes. These elements are crucial for assessing the risk and operational stability of the business.

In contrast, while a personal credit score might be relevant in some scenarios for individual evaluations, it is not universally required for all merchant applications, especially for businesses that are structured as separate legal entities. The focus here is on the business's qualifications and capabilities instead of the personal financial background of the owner or individual applicant.