May 16, 2019

Posted by & filed under Consumer Reports, Credit, What You Should Know.

– Information provided by Experian & the text is set forth in full at the Consumer Financial Protection Bureau’s Website at
A. Users Must Have a Permissible Purpose

Congress has limited the use of consumer reports to protect consumers’ privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are:

  • As ordered by a court or a federal grand jury subpoena. Section 604(a)(1)
  • As instructed by the consumer in writing. Section 604(a)(2)
  • For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer’s account.
Read the rest

May 15, 2019

Posted by & filed under Foundation.

NACM Commercial Services provides scholarship opportunities through the NACM Commercial Services Foundation.

The NACM Commercial Services Foundation has been around for two decades, providing scholarship opportunities to credit professionals.

The scholarships offered through the Foundation assist applicants in the pursuit of education and training, achieving professional designation, and attending national and regional programs.

Join us for the 2019 NACM Commercial Services Annual Meeting in Portland, OR on Wednesday, June 26th at 5:30 p.m. If you are in our outlying areas, you can attend the meeting via Skype. Contact Shannon Abnal for information on Skype.

Read the rest

May 15, 2019

Posted by & filed under Certification.

We are so proud of everyone who works so hard to earn their designations. It takes many hours of educational classes and studying. These six peopled earned their designations in March, so let’s congratulate them on all their hard work.

Jay Gassner, CBA – Hampton Lumber Sales Co
Nicholas Luzania, CBA – Helena Agri-Enterprises LLC
Jennifer McGill, CBA – KATU
Chris McNeil, CBA – Groupware Technology Inc
Ginny Myre, CBA – Benchmade Knife Co Inc
Lorelie Sharp, CBA – Columbia Distributing

Read the rest

May 15, 2019

Posted by & filed under Leadership.

By: Erin Bair, Director, Training & Organization Development, Cascade Employers Association

Perhaps your direct report’s performance has not been meeting your expectations or is engaging in behavior that you find troubling. Maybe that’s the case, but it’s not your direct report. It’s your peer or your boss. Difficult conversations (a.k.a. conflict) is often the most disliked part of management – whether we’re managing up, down, or sideways.

The good news is that with tools and practice difficult conversations get easier over time. We might never look forward to them, but we will see how valuable they are to building lasting, meaningful relationships at work. We’ll be taking a look at three areas: timing a difficult conversation, prepping for a difficult conversation, and the essential elements of the conversation itself.… Read the rest

May 15, 2019

Posted by & filed under Education.

Thank you to everyone who attended the 2019 Annual Membership Meeting. We had an amazing turnout. Many of our members donated items and money towards the raffle and silent auction. We raised almost $6,000 for the Jane Newton Memorial Scholarship Fund as part of the NACM Commercial Services Foundation. None of this would be possible without all of you.

Read the rest

May 15, 2019

Posted by & filed under Credit, Data Contribution.

By: Shannon Abnal, NACM Commercial Services

I was talking with a member recently who was disappointed in the credit report he pulled on a customer. The credit report showed a couple of tradelines which indicated the customer to be prompt in payment history. He called the customer “a habitual slow-pay and a royal pain in the side.” He may have used another word to describe where the pain was, but we’ll keep it G-rated. He wanted to know why the credit report didn’t match up to his own experience with the customer. I explained tradeline data on commercial credit reports, regardless of the source you are obtaining them from, is only as good as the information shared through the data contribution process.… Read the rest