Evaluating credit risk may be complex and challenging. NACM Commercial Services helps minimize risk by providing a variety of business credit reporting options. Each reporting agency offers specific information that may be helpful in making informed credit decisions, leading to reduced delinquency and fewer bad debts.

Credit Reports

The National Association of Credit Management (NACM) supports businesses as they make decisions to sell goods and services on credit.

Reports provide factual, accurate, fresh, and relevant information on businesses throughout North America. Each month information is gathered from thousands of NACM members and industry credit groups. This credit experience provides insight into customer payment habits and the probability of being paid timely.


Experian provides business credit information on 27 million businesses and maintains the world’s largest consumer credit information database. Report options provide varying levels of detail – from presenting the basic facts of a business to detailed business credit, payment, and public record histories.

NACM Commercial Services also provides a combined consumer-commercial report, including the owner’s personal credit history which is far more predictive than commercial data alone.


Dun & Bradstreet has been providing commercial credit reports for more than 150 years.

D&B Risk Management Solutions™ provides reports that help mitigate credit and supplier risk, increase cash flow, and drive increased profitability. NACM Commercial Services provides a variety of D&B reports to members.

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Equifax offers credit reporting products to help you manage your business credit and assess risk associated with your business customers, suppliers, and partners. These reports provide in-depth information helpful to making credit decisions that minimize risk.

Domestic and Canadian reports are available.


Credit Partners

Check Guarantee

United TranzActions provides the right payment solutions for your business.

UTA provides timely, efficient, and cost-effective check guaranty and credit card processing services. The UTA team will work closely with you to improve your cash flow, enhance your POS systems, and streamline or eliminate inefficient processes.

Consumer Reports

Consumer reports provide credit reports from Experian, Equifax, and TransUnion; comprehensive tenant and employment screening; criminal background checks; and other public information.

Lien Service & UCC Filings

NACM’s Secured Transaction Services (STS) brings Notice, Lien and Bond Claim services.

The STS online Lien Navigator provides step-by-step time frames for all 50 states, D.C. and the Canadian provinces. The Navigator contains links to statute references, quick list sections, and “Speed Bump” warnings.