NACM South Atlantic · Consumer credit reporting
Consumer Credit Reports for Business Credit Decisions
Add individual credit information to your credit review. NACM South Atlantic connects approved businesses with consumer credit reports from Experian, Equifax and TransUnion through OneCreditSource.
Choose a single-bureau report or a tri-merge report, with guidance through account setup and credentialing. Access requires a permissible purpose and approval.
Consumer credit report pricing
$11.50 per scored report
- No monthly or annual report-access fees
- No monthly report minimums or advance-purchase contracts
- Initial onsite inspection fee paid by NACM South Atlantic for qualifying members.
Ask NACM to confirm pricing for your selected bureau, tri-merge report or additional screening service before ordering. The inspection benefit applies to the initial inspection.
Choose the consumer credit report you need
Your credit review may call for information from one bureau or a consolidated view across all three. NACM can help you discuss the available options during setup.
Single-bureau consumer credit reports
Select an Experian, Equifax or TransUnion consumer credit report for your approved use. Each option provides information from that bureau.
Tri-merge consumer credit reports
A tri-merge report combines consumer credit information from Experian, Equifax and TransUnion in one consolidated report.
A closer look at personal guarantors
A business credit report focuses on a company. A consumer credit report focuses on an individual. When your organization has the required permissible purpose, individual credit information can support a review involving a personal guaranty on a business account.
Consider that information alongside commercial credit reports, financial information and your own credit policies. Before requesting a report, confirm that the intended use meets applicable requirements.
How to set up consumer credit reporting
NACM South Atlantic and OneCreditSource help guide your organization through the application and credentialing process.
- Describe your business and intended use. Discuss the reports you need and the purpose for requesting them.
- Complete the application. Supply the company information and documentation requested for review.
- Complete credentialing and inspection. Follow the required verification steps and arrange the onsite inspection.
- Begin ordering after approval. Use your approved account to request reports for authorized purposes.
Account approval does not replace your responsibility to have a permissible purpose for each report and meet applicable consumer reporting requirements.
Additional screening and account tools
Ask about employment screening, tenant screening, criminal record searches and account-user activity monitoring. Product availability and approval requirements depend on the service and intended use.
Consumer credit reports: frequently asked questions
Can my business request a consumer credit report?
Your business must have a permissible purpose and complete the required account approval and credentialing process. Each report request must meet applicable consumer reporting requirements.
Which consumer credit bureaus are available?
Experian, Equifax and TransUnion consumer credit reports are available. A tri-merge report combines information from all three bureaus in one consolidated report.
How much does a scored consumer credit report cost?
The listed rate is $11.50 per scored report. Confirm pricing for your selected bureau, tri-merge report or additional screening service with NACM South Atlantic before ordering.
Are there monthly fees or report minimums?
There are no monthly or annual report-access fees, monthly report minimums or advance-purchase contracts. You are billed for the reports you request.
Does NACM pay the onsite inspection fee?
NACM South Atlantic pays the initial onsite inspection fee for qualifying members as a membership benefit. Confirm eligibility during account setup.
Can I request a report on a personal guarantor?
A consumer credit report may support a personal guarantor review when your organization has the required permissible purpose and meets applicable requirements. Discuss your intended use during setup; account approval alone does not authorize every report request.
Get started with consumer credit reports
Discuss your reporting needs, confirm pricing and get help with the application process.
Call (407) 299-7491
