About the NTCR
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About the NTCR
Built by Credit Professionals. For Credit Professionals.
The National Trade Credit Report is the only B2B credit reporting network built and maintained entirely by NACM members. For more than a century, NACM has supported businesses making decisions to sell goods and services on credit — and the NTCR is the most powerful tool that network has ever produced.
Our Mission
To provide credit professionals with the most accurate, fresh, and relevant trade payment data available — contributed by members, accessible to members, nationwide.
Years NACM Has Supported Trade Credit
Participating Regional Affiliates
Businesses Rely on NACM Nationwide
What's Inside
More Than a Credit Report.
Every NTCR goes beyond basic payment history. From predictive scoring to public records and real-time alerts, each report delivers a complete, member-sourced picture of a business’s financial health — giving you everything you need in a single pull.
Why Choose The NTCR
What Makes the NTCR Different.
From tradelines that paint a vivid picture of a customer’s payment history to predictive scores that forecast future delinquency, the NTCR goes beyond the basics. The NTCR database is enriched by information from NACM members and industry credit groups nationwide.
What Members Say
Trusted by Credit Professionals Across the Country.
"NACM's National Trade Credit Reports are an integral part of our credit decision making process. Doing a routine credit check on a good-paying customer has led to unexpected red flags that have assisted in our ability to act quicker than we otherwise would have."
"The NTCR is essential for researching an account before allowing them credit. Members also submit accounts monthly, which are compiled into a booklet for our meetings. Each of these accounts are listed in the packet with their past and present tradelines, an embers at the meeting are encouraged to share their factual experience with these accounts.