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 delivers a complete, member-sourced picture of a business’s financial health — tradelines, predictive scoring, and public records in a single pull.
Predictive Score
A proprietary score ranging 450-850 that predicts payment delinquency looking forward 6 months.
Tradeline Data
Payment history contributed exclusively by NACM members nationwide — fresh, current, and member-sourced.
Records & Alerts
Judgments, liens, bankruptcies, UCC filings, NSF alerts, and ownership changes — all consolidated into a single report so nothing slips through.
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.
Get Started with the NTCR
Ready to Strengthen the Network?
The NTCR is available exclusively through your local NACM affiliate. Connect with your regional representative to access the most comprehensive member-contributed trade credit database in the country.