NACM National Trade Credit Report
Make better business credit decisions with current trade payment information contributed directly by NACM members across the country.
The NACM National Trade Credit Report is built for companies that extend business-to-business credit. It focuses on actual trade experience, reported payment history, public-record information when available, and the information credit professionals need to evaluate commercial accounts.
Credit information from companies that actually extend trade credit
Many commercial credit reports combine information from a wide variety of sources. The NACM National Trade Credit Report takes a more focused approach: it is designed around the way commercial credit professionals evaluate customers and manage accounts receivable.
NACM members contribute accounts-receivable information electronically, generally on a monthly basis. That information becomes part of a national trade-credit database used to help members evaluate payment behavior and credit risk.
Fresh, transparent and relevant commercial credit information
A useful credit report should help you understand how a business pays companies that have actually extended it credit.
Current Trade Data
Tradelines include reporting-date information so credit professionals can see when data was supplied rather than relying on undated payment experience.
Member-Contributed Information
Trade information comes from NACM member companies that extend credit in the normal course of business and contribute their accounts-receivable experience.
Meaningful Business Data
The report is designed around business payment history and trade-credit relationships rather than filling a report with low-value consumer-style account information.
A nationwide network of NACM trade contributors
NACM members provide accounts-receivable information through electronic data contribution. Companies contribute because shared trade experience helps the commercial credit community make more informed decisions and can also support participation in NACM Industry Credit Groups.
For credit managers, this creates a valuable source of payment experience from other businesses facing the same fundamental question: Will this customer pay its trade obligations as agreed?
Ask your industry peers
When talking with other credit professionals, ask where they report their accounts-receivable information. NACM’s member-contributed model is built on companies sharing real trade experience for the benefit of the credit community.
What the NACM report is designed to include—and what it avoids
Focused on useful credit information
- Member-reported trade payment experience
- Commercial tradelines
- Reporting dates that help establish data freshness
- Public-record information when available
- Information relevant to B2B credit decisions
Designed to avoid filler data
- Self-reported information
- Routine utility accounts such as water or electricity
- Low-value subscription-style accounts
- Information that does not meaningfully reflect commercial trade credit
Pay for the reports you actually use
NACM South Atlantic offers straightforward report access without requiring long-term contracts, advance purchases, or commitments to buy a predetermined quantity of reports.
for your report activity.
More than a single credit report
NACM membership connects credit professionals to business credit information, education, networking, Industry Credit Groups, and credit-management tools designed to support the entire accounts-receivable process.
Contributing trade data can unlock additional value
Portfolio Risk Analysis
Use contributed information as part of a broader process for monitoring accounts-receivable risk.
Account Monitoring
Help keep watch over customer credit activity and changing risk conditions.
Industry Credit Groups
Electronic contributors can streamline the process of supplying aging information for participating accounts.
Industry Comparisons
Eligible contributors can benefit from comparative information available through NACM credit-management tools.
Automated Credit References
Reduce repetitive manual credit-reference work with NACM productivity services.
Member Report Pricing
NACM members receive access to member-focused credit-reporting services and pricing.
NACM National Trade Credit Report FAQ
What is the NACM National Trade Credit Report?
It is a commercial credit report designed for businesses that extend business-to-business credit. It emphasizes member-contributed trade payment history and other relevant commercial credit information.
Where does the trade information come from?
Trade information is contributed by NACM member companies, typically through electronic accounts-receivable data contribution.
How can I tell how current a tradeline is?
Tradeline information includes a reporting date, helping the user evaluate when the payment experience was supplied.
Do I have to sign a long-term credit-report contract?
NACM South Atlantic does not require a long-term contract, prepayment, or a commitment to purchase a set number of reports in advance.
How can I see a sample report?
Contact NACM South Atlantic to schedule an online demonstration and review real-world report examples and available features.
Put real trade payment experience to work in your credit decisions.
Schedule a demonstration of the NACM National Trade Credit Report and see how member-contributed commercial credit information can support your credit process.
