Personal credit matters when applying for a high risk merchant account because you are responsible for the losses associated with your account. However, poor personal credit does not mean you cannot obtain high risk merchant services. While it may result in additional scrutiny for the business during underwriting, it is completely possible to obtain a great high risk merchant account with a low credit score, and sometimes even without providing a personal guarantee. At Host Merchant Services we are experts in getting approved accounts for business owners with low credit scores, as well as for non-US owners, and companies that may not be able to provide a guarantor.