Business Credit Information for Better Credit Decisions
The right credit report helps you evaluate risk before extending terms, increasing a credit line, or taking on a new customer. NACM South Atlantic provides access to trusted commercial credit information from multiple sources so you can select the report that best fits the decision you need to make.
One source does not fit every credit decision.
Start with trade payment experience and supplement it with commercial bureau, public-record, consumer, or international information when the situation requires it.
- Evaluate current payment behavior
- Review reported trade experience
- Research public-record information
- Supplement difficult credit decisions
Choose the report that fits the decision
Different credit reports have different strengths. NACM South Atlantic gives credit professionals access to several respected information sources instead of forcing every decision into a single reporting product.
NACM National Trade Credit Report
Built specifically for business-to-business credit professionals, the NACM National Trade Credit Report focuses on actual trade payment experience contributed by NACM members.
Trade information is supplied directly by participating businesses, providing credit managers with a practical view of how a company is paying suppliers that extend commercial credit.
A company may look healthy on paper while its payment habits are beginning to change.
Trade experience helps answer an important credit question:
Commercial credit report options
Use another reporting source when you need to supplement trade experience or when a particular credit decision calls for different information.
Experian Business Credit Reports
Access Experian commercial credit information for individual credit decisions or as a supplemental source alongside NACM trade information.
Dun & Bradstreet
Dun & Bradstreet business credit information is available when your credit policy or individual account review calls for an additional commercial reporting source.
Consumer Credit Reports
For permissible business purposes requiring personal credit information, NACM can help members establish compliant access to consumer credit reporting resources.
International Credit Reports
Research businesses outside the United States with international commercial credit information and FCIB reporting resources.
Specialized business research
Sometimes the information you need is not contained in a traditional commercial credit report. Public-record research can provide additional information when evaluating commercial credit risk.
Lien, Legal & Public Record Reports
Research liens, judgments and other public-record information that may help identify additional credit risk.
Look at the complete credit picture.
Good credit decisions rarely depend on one score. Combine payment experience with the information appropriate for the size and risk of the account.
Review how the business is paying companies extending credit.
Look for patterns, changes and inconsistencies across sources.
Add bureau, legal, public-record or consumer information when appropriate.
Use the information to support reasonable credit limits and terms.
We can help you choose.
Tell us what type of customer you are researching and what you need to know. Our team can help identify the reporting option that best fits your credit decision.
Do you contribute your accounts receivable data?
NACM’s trade information is built through businesses sharing their commercial accounts receivable experience. Regular wlectronic data contribution helps create stronger and more useful credit information for participating members.
