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Inside the Report
A Complete Picture of How a Business Pays.
Every NTCR is built from real trade data contributed by NACM members nationwide. Here is a detailed look at every section you receive — and what it tells you about the businesses you extend credit to.
Payment Activity
Business Profile
Public Record Data
Predictive Score
The Predictive Score is based on unique tradelines gathered by NACM Affiliates. The scoring model predicts late payments and severe delinquency looking forward 6 months. Predictive variables include current aging status, historical aging — including trends and variance in payment trends — and other business characteristics.
Know the Risk Before You Extend Credit.
Payment Activity
See Every Detail of How a Business Pays.
Every NTCR pulls real trade payment data contributed by NACM members nationwide. You get a full view of current balances, aging buckets, and payment trends — organized by affiliate and updated regularly.
Portfolio Risk Analysis
See Your Entire Portfolio's Risk at a Glance.
The Portfolio Risk Analysis delivers up to 50+ essential data fields monthly straight to your inbox. Three subscription levels give you the right depth of insight for your needs — from basic account health to full industry group comparisons.
Account Monitor Service
Stay Ahead of Risk Without Lifting a Finger.
The AMS report is a convenient list that monitors key variables including when accounts in your portfolio go past due or legal with other suppliers. Members subscribe to the Account Monitor Service free of charge by submitting specific criteria to NACM.
Trade Profile Report
A Deeper Look at How a Customer Pays One Specific Vendor.
A Trade Profile Report provides a more detailed look at a source’s tradeline from your participating affiliate. For a nominal cost per source, these reports offer an instant picture of how a customer has paid another vendor over the past three months or up to 12 months.
Why It's Helpful:
Refined Predictive Score
A Sharper View of Where an Account Is Heading.
The Refined Predictive Score offers enhancements to the current scoring model. Analyzing the historical window to identify trends, it uses three-month windows to mitigate dramatic spikes that can occur in a single month. Including bankruptcy and public records in specific states as well as trade data, it observes patterns to help predict how the account may transition in the next six to 12 months.
Have Questions
Good Questions. Clear Answers.
Your NACM Affiliate handles setup and access for every tool. Here are the questions credit professionals ask most before getting started.
Ready to See What the NTCR Can Do for Your Business?
Understanding the ntcr
Every Section. Every Data Point. Explained.
The National Trade Credit Report (NTCR) compiles trade payment data, public records, and predictive analytics into a single structured report. It is designed for credit professionals who need a clear view of how a business pays its suppliers and how that behavior is trending over time.
Each section of the report serves a specific purpose. Some provide identification and background, others focus on payment behavior, while others highlight legal or financial risk indicators.
This page walks through every section of the report so you can quickly understand what you are looking at and how to use it in your credit decisions.
Years Of Experience
Score Range
Satisfied Clients
Contributing Members
Months
Of historical payment data in every report
Report Categories
Three Core Areas of the Report
The NTCR is organized around three primary areas of credit intelligence. Select a category to jump to the detailed section breakdown below..
Why Choose Us
Know the Risk Before You Extend Credit.
The Predictive Score provides a forward-looking assessment of credit risk based on historical payment behavior and other contributing factors.
The score is designed to summarize overall risk in a single metric while still allowing deeper analysis through the supporting sections of the report.
Why it matters:
The score offers a quick benchmark for risk comparison across accounts. Changes in score or risk class over time can indicate improving or deteriorating payment behavior.
Charts & Payment Trends
See Every Detail of How a Business Pays.
The charts visualize how payment behavior has changed over time.
- Past Due Percentage (year-over-year)
- Days Beyond Terms (DBT) trending
These visuals provide context behind the predictive score by showing whether payment performance is stable, improving, or declining.
Why it matters:
Trends often reveal risk earlier than static data. A rising DBT or increasing past due percentage may signal emerging issues before they appear elsewhere.
tradelines & Payment Activity
Know the Risk Before You Extend Credit.
Tradelines represent actual trade experiences reported by NACM member suppliers. This is the core of the NTCR and reflects how a business pays its vendors.
Trending Summary:
The report also aggregates tradeline data into monthly and quarterly views, including:
Total activity levels
Distribution across aging buckets
Payment pattern changes over time
Why it matters:
Tradelines provide direct evidence of payment behavior. The combination of individual experiences and aggregated trends helps identify both consistent patterns and recent changes.
Charts & Payment Trends
See Every Detail of How a Business Pays.
The charts visualize how payment behavior has changed over time.