Nacm Business Credit Services

What Nacm Business Credit Services does

NACM Business Credit Services, operating legally as NACM Intermountain and headquartered at 5710 S Green Street, Murray, Utah, is a regional affiliate of the National Association of Credit Management (NACM National) serving credit professionals and B2B businesses across Utah, Arizona, and southeastern Idaho. The organization functions as a membership-based trade association and credit-services provider, distributing credit reports from Experian, Dun & Bradstreet, Equifax (Canada), and its own National Trade Credit Report (NTCR), alongside CIC Credit mortgage and consumer reporting products with features such as SoftPreQual and ScoreNavigator. Core products include credit reports, Insight Reports, Portfolio Management Suite, Industry Analysis Reports, collections support, and education/certification programs (CBA, CBF, CCE designations).

The business model combines recurring membership dues (subscription), per-report transaction fees (for NTCR, Experian, D&B, consumer/sole-proprietor, international, and Canadian reports), education and certification fees for the CBA/CBF/CCE programs and ICEL classes, and full-service collections revenue. Distribution is multi-channel: a Murray, UT headquarters handling phone-based service, an online member portal at nacmint.cicnetwork.com, a CIC Credit online payment system at login.unitedtranzactions.com, and regional in-person meetings via the Intermountain Credit Education League (ICEL) and Credit & Financial Development Division (CFDD), plus annual Credit Congress attendance through NACM National.

The organization is governed by an elected board of directors and supports credit industry trade groups and a scholarship program. In 2025-2026 the affiliate and parent experienced significant leadership succession, including the retirement of multiple long-tenured credit executives (Joanne Martin, Jo Anne Mills, Shane Inglesby, Julia Buck, Whitney Davidson), a 2026 board restructuring, and the transition of NACM National's presidency to Steve Shivak CAE. The affiliate operates compliance frameworks including FCRA, FACTA, SAFE Act, EEOC, DOT, GSE, and Sarbanes-Oxley requirements through its CIC Credit business.

Name

Nacm Business Credit Services

Legal name

NACM Intermountain

Website

https://nacmint.com

Company type

Private

Founded year

1896

Operating status

Operating

Headcount range

11–50 employees

Short description

NACM Business Credit Services (NACM Intermountain) is a regional Utah-based trade association affiliated with NACM National, serving credit professionals and B2B businesses across Utah, Arizona, and southeastern Idaho with multi-bureau credit reports, collections, certification programs (CBA, CBF, CCE), and networking through ICEL and CFDD trade groups.

Ownership category

akta.pro rank

Product category

Commercial Credit Reporting and Management Services

NAICS

Credit Bureaus (561450), Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYFSAKAKAA

Credit Bureaus & Consumer Credit Reporting Agencies

Financial & Insurance/Lending & Consumer Finance/Credit Reporting, Scoring & Underwriting (Consumer)

SECONDARYFSAKAKAJ

Credit Education, Monitoring & Consumer Credit Management Tools

Financial & Insurance/Lending & Consumer Finance/Credit Reporting, Scoring & Underwriting (Consumer)

SECONDARYBPAAAEAI

Credit Bureau Reporting & Dispute Management Support (FCRA/CRA Ops)

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Collections, Recovery & Skip Tracing Services

Keywords

• Business credit reports
• Commercial collections services
• Credit management education
• Accounts receivable management
• Trade credit reporting

Headquarters

HQ city

Sandy

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Membership Dues: Annual membership fees providing access to credit reports, education, networking, and association resources
2. Credit Reports: Fees for accessing various credit reports including NTCR, Experian, Dun & Bradstreet, and consumer reports
3. Education and Certification: Revenue from certification programs (CBA, CBF, CCE), education classes, seminars, and conferences
4. CIC Credit Consumer Reports: One, two, or three bureau merged credit reports for consumer business assessments including sole proprietorships and personal guarantees

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core offering

NACM Business Credit Services (operating as NACM Intermountain) provides business-to-business credit reports from multiple bureaus (NTCR, Experian, Dun & Bradstreet), commercial collections and accounts receivable management services, professional education and certification programs (CBA, CBF, CCE), peer credit industry groups, and CIC Credit mortgage credit reporting solutions to credit professionals and businesses across Utah, Arizona, and southeastern Idaho.

Product overview

NACM Business Credit Services is a professional association and service organization offering a comprehensive suite of business credit management solutions. The core offerings include multiple credit reporting products (NTCR, Experian, D&B reports, and specialized international/Canadian reports), full-service collections, and professional education with certification programs (CBA, CBF, CCE designations). The portfolio also includes CIC Credit for mortgage credit reporting, credit industry groups for networking, and supporting resources like the CreditWise newsletter, forms library, and scholarship programs. The organization serves credit professionals across Utah, Arizona, and southeastern Idaho.

Differentiator

Problem solved

Functional benefit

Brands

• ICEL: Intermountain Credit Education League - educational program and networking group for credit professionals
• CFDD
• CIC Credit
• CreditWise Newsletter

Products and services

• Credit Reports

Named customers8 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered minor and core.

• Utah Food BankminorOthers · 1 December 2024Charitable partnership where ICEL members raised $1,055 for the Utah Food Bank, which turns $1 of donation into $7.80 worth of goods and services.
• NACM NationalcoreStrategic or Co-development PartnerParent organization providing professional certification programs (CBA, CBF, CCE), national educational resources, Credit Congress conferences, legislative representation, and economic indices. NACM Intermountain operates as an affiliated organization under the National Association of Credit Management.
• CIC CreditcoreTechnology or IntegrationCIC Credit provides comprehensive mortgage credit reports with expert consultation and advanced software for credit reporting needs. Services include SoftPreQual, ScoreNavigator, and regulatory compliance support for consumer and business credit assessments.
• ICEL (Intermountain Credit Education League)coreOthersInternal educational division providing monthly meetings, educational programs, and certification support for credit professionals in the Intermountain region.
• CFDD (Credit & Financial Development Division)coreOthersInternal professional development division focused on networking and skill development for credit and financial professionals.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Others

• Atradius: Atradius is a major trade credit insurer providing business credit reports and collections support alongside its insurance products. It targets the same B2B credit and AR professional buyer as NACM Intermountain and offers adjacent rather than directly overlapping services.
• Coface: Coface is a global trade credit insurer that issues business credit reports and insures receivables, serving the same credit-management and AR buyer that NACM Intermountain supports. It is an adjacent, ecosystem-comparable peer in commercial credit intelligence.
• Allianz Trade (formerly Euler Hermes): Allianz Trade (the rebrand of Euler Hermes) is the world's largest trade credit insurer, providing business credit reports and trade credit insurance to the same B2B credit and AR professionals NACM Intermountain serves. It is adjacent rather than directly competing, since NACM Intermountain does not underwrite insurance.

Broad incumbents

• LexisNexis Risk Solutions: LexisNexis Risk Solutions aggregates public records, credit, and alternative data into business and consumer risk reports used by lenders, insurers, and B2B credit teams. It overlaps with NACM Intermountain's report and monitoring use cases as a broad incumbent data provider.
• Equifax: Equifax is a major U.S. credit bureau providing consumer and commercial credit information used in B2B credit decisions NACM Intermountain's members make. It overlaps with NACM Intermountain's reporting and monitoring use cases as a broad incumbent with national data assets.
• TransUnion: TransUnion is one of the three nationwide consumer credit bureaus and also offers business credit intelligence and monitoring products. It addresses the same B2B credit decisioning and risk-management buyer that NACM Intermountain serves through its members.
• Experian Business: Experian is one of the three major U.S. credit bureaus and provides the Business Credit Reports NACM Intermountain distributes to members. It serves the same B2B underwriting and AR decision-making use cases and operates as a broad incumbent in consumer and commercial credit data.
• Dun & Bradstreet: Dun & Bradstreet is the dominant commercial credit bureau in the U.S., providing business credit reports, PAYDEX scores, and data that NACM Intermountain resells through partnership. Same end customer (B2B credit and AR professionals), overlapping product, and a much broader national/global footprint.

Emerging players

• Creditsafe: Creditsafe is a global business credit bureau offering commercial credit reports and monitoring used by credit and AR teams. It competes head-on with the report products NACM Intermountain sells (Experian, D&B, NTCR) and is gaining share in the U.S. mid-market with digital-first delivery.

Direct peers

• NACM National: NACM National is the parent trade association of NACM Intermountain and operates the same credit-management association model (national Credit Congress, CBA/CBF/CCE certifications, FCRA-compliant reporting standards), serving overlapping members with national-level resources. NACM Intermountain is a regional affiliate under NACM National.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/224535450899648
• LinkedInlinkedin.com/company/nacm-business-credit-services
• Instagraminstagram.com/nacm.intermountain
• Xx.com/NACMINT

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nacm Business Credit Services