Call us Today (800) 622-6985

MEMBER BULLETIN

membership application

MEMBER LOGIN

PAY INVOICES

NON-MEMBER CREDIT SERVICES

Our Blog

Welcome to the NACM Commercial Services Credit Blog—your resource for insights, updates, and expert advice on credit management. Explore articles, case studies, and tools to stay informed, enhance your skills, and succeed in the evolving world of credit management.

VIEW LATEST POSTS

Latest News

When Communities Hurt, We Come Together.

Our hearts are with everyone affected by the devastating wildfires across Oregon and Washington, especially those in the Spokane area where many of our members, staff, and their families call home. Our thoughts are with everyone facing uncertainty during this

California Finally Entered the 21st Century: You Can Now Serve Defendants Electronically (When Necessary)

For years, California commercial lawyers—and the credit managers, financial executives, general counsel, and others who often approve litigation budgets—were confused by one particular ritual. If a defendant in a breach-of-contract or collections case worked hard enough to avoid service, the

Credit in the West 2026: Join NACM Commercial Services in San Diego This October

If you’re looking for one of the leading educational events for business credit professionals, Credit in the West is where learning, networking, and industry insights come together. Dates: October 7–9, 2026 Location: San Diego, California Host: NACM Commercial Services Audience:

130 Years of Credit, Community, and Connection

Happy 130th Birthday to NACM Commercial Services.   From our beginnings in Portland in 1896 to serving businesses across the West today, NACM’s mission has remained remarkably consistent: helping businesses make informed credit decisions and build stronger relationships. Fun Historical

Energy Prices, Recession Risk, and What the Latest Economic Forecast Means for Business

Information as of May 20, 2026 Rising energy costs are reshaping the economic outlook — and businesses across the country are feeling it. With oil prices more than doubling from roughly $50 per barrel last quarter to approximately $107 today,

The New NACM CS Website Is Here — Let’s Go!

https://nacmcs.thebranded.company/wp-content/uploads/2025/08/Jennifer-Website-Video-Final.mp4 We’ve spent the past year designing a fresh, dynamic site to be your go-to resource and a home for our growing credit community. A fresh, modern blog filled with insights you’ll actually use! The Blog is here, but we

Mentorship Holds Invaluable Space in B2B Credit

Written By: Jamilex Gotay, Senior Editorial Associate, NACM National Regardless of where you are in your career, learning from those with more experience is critical for professional growth and success. One effective way to do this is through mentorship—a relationship

Incoterms: The Complications When Using Them with Letters of Credit

Written by: Jamilex Gotay, Senior Editorial Associate, NACM National Imagine you’re a buyer and you want to purchase a high-value shipment from a seller overseas. You don’t know each other well, so you bring in a letter of credit (LC)—your

How to Rethink and Refresh Your AR Department

Wrtitten By: Jamilex Gotay, Senior Editorial Associate, NACM National It usually starts with a gut feeling—collections are slowing, disputes are rising and the once-smooth flow of cash feels more like a drip than a stream. It’s not always a crisis,

Honing Your Soft Skills in a Rapidly Innovating Industry

Written By: Lucy Hubbard, NACM National Credit management is entering the age of automation, and like countless other fields, credit management has seen the potential of automation and artificial intelligence as it supercharges everyday processes and maximizes efficiency. Why it

Building Defenses Against the Rising Threat of Cyberfraud

Written By: Lucy Hubbard, NACM National With each passing year, new innovations transform the business credit landscape as credit practices emerge with new technology. As credit practices evolve, risk does too, with fraudsters finding new, creative ways to target companies.

4 Things I Hear From Millennials On Leadership

Written By: Dr. Jeremy Graves Let’s get one thing out in the open. I am not a Millennial; I have never been a Millennial and I don’t claim to speak for them. I have, however, spent the last 10 years

President’s Message – Fall is in the Air

Fall is the time to put a priority on enhancing credit knowledge and career building. Our new fall conferences have been rebranded to Credit in the West and will be hosted in Portland, Denver, and Anaheim. We understand budgets are

Congratulations New Designees – Summer 2024

Congratulations to these members on their new CBA & CBF designations. Are you interested in education and getting a designation? Check out this guide on the certification program. If you have any questions contact Shawna Axness. CBA:Patricia Schneider, CBA –

Offer Your Customer the Flexibility to Pay Online

Written By: United TranzActions In today’s digital age, convenience and flexibility are paramount. As more consumers shift towards online shopping and digital transactions, businesses must adapt to meet these changing demands. Offering your customers the ability to pay online and

Understanding AI in B2B Credit

Kendall Payton, social media manager Artificial intelligence is an ever-evolving tool, integrating itself into society. AI can be used for simple and complex tasks—whether for creating grocery lists and meal plans or as complicated as coming up with a workout

The Transformative Power of NACM’s Thought Leadership Forums

Jamilex Gotay, senior editorial associate In an ever-changing and often volatile economy, the B2B credit sector is constantly evolving, demanding that professionals adapt and innovate. However, staying ahead of the curve can be challenging without the right resources. NACM’s Thought

The Customer’s Formal Terms Pushback Strategy, the Supplier’s Cost of Capital and Inflation: What Does it Mean For the Supplier’s Profitability For the Account?

Scott Blakeley, Esq. A payment trend affecting credit teams across all industries is customers disregarding supplier-set trade terms, and extending these terms. Private U.S. companies reported a continued increase in their average accounts-receivable days. This is despite the fact that

A Word From Our Members

One thing that I'm thankful for is the variety of credit reports that I'm able to obtain from NACM. It helps to make credit decisions and having those tools at my fingertips is just another reason why NACM is so valuable.
Alaina Worden, CCE
Alaina Worden, CCECredit & Collections Manager
Carson Oil
Having quick, complete, and accurate credit information at my fingertips is an absolute necessity in today’s ever-changing environment. Experian provides the tools we need to determine credit risk and make sound credit decisions for the wellness of my company.
Tawnya Marsh, CCE
Tawnya Marsh, CCEAR Credit Supervisor
Tillamook County Creamery
In order to do a complete and thorough job on risk analysis, I need quick and reliable information, Experian provides me with both and helps me to quickly determine a business’s creditworthiness which gives a more consistent track record for credit decisions.
Julie A. Demakis, CBF, CCRA
Julie A. Demakis, CBF, CCRACorporate Credit & AR Manager
Stoneway Electric Supply Co.
Utilizing NACM’s international credit reports is essential for mitigating risk within our international portfolio.  NACM simplifies the ordering process and ensures prompt, courteous service.
Tim Cain - Director
Tim Cain - DirectorDirector - Global Credit and Collections
KEEN, Inc.
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.  
Dan Simpson
Dan SimpsonCredit & A/R
Kodiak Building Partners
Utilizing D&B Solutions helps our company manage our portfolio.  We can review our risk exposure at any time with a click of a button.  The information provided is accurate and current.
Melissa Kobus, CCE
Melissa Kobus, CCEDirector Credit and Collections
Walters Wholesale Electric
NACM Commercial Services has proven to be a vital partner in today’s business environment. Membership in the specialized industry groups provides invaluable networking and credit information exchange all within a controlled setting while the vast educational offerings help to broaden your personal horizons.
Eve Sahnow, CCE
Eve Sahnow, CCECorporate Credit Manager
OrePac
My introduction into NACM began with taking advantage of many continuing educational sessions I needed to learn the basics of credit and collections. After being actively involved in the credit and finance profession for 30 years, NACM continues to provide invaluable resources and services that benefits me.
Brett Hanft, CBA
Brett Hanft, CBACorporate Credit Manager
American Int'l Forest Prod LLC
Working with NACM for over 20+ years has been fantastic. NACMCS has many different tools to use throughout credit making decisions and I highly recommend them!
Bernie Grabowski
Bernie GrabowskiCorporate Credit Manager
Service Steel Aerospace Corp
The most beneficial things about KTP’s membership with NACMCS are the ability to get accurate information from credit reporting, peers in our industry, and the relationships with other credit managers across the nation.
Sheryl Rasmusson
Sheryl RasmussonPresident 
Kilgore Tec Products (KTP)
NACM has allowed me to build many relationships and grow in my career. Credit has so many ups and downs that you build a different type of bond with the people you work and collaborate with, starting with one of their very own, Clara Nemeth. Thank you for always being a great resource on which I know I can depend.
Elizabeth Winson
Elizabeth WinsonCredit Manager
Peterson Holding Co
As a member of NACM, I have always enjoyed the great networking opportunities that allow me to learn and grow alongside other credit professionals. No credit reports or textbooks can replace the immense knowledge shared at industry groups and conferences.
Carol Ross
Carol RossCredit Manager
PARR
Having been a member of NACM for over 10 years, I am still amazed at how many resources are available to the membership free of charge, from the basics of a credit policy to free legal advice. It is evident that NACM cares about being a vital part of the business organizations it serves.
Julie McNurney, CBF
Julie McNurney, CBFSecured Transactions Specialist
OrePac 
Our NACM CS membership has been invaluable, providing us with critical industry intelligence and trends through insightful group meetings. Additionally, the strong relationships we’ve built with fellow members provide opportunities to share and collaborate on new industry technologies and changes.
Donna Kelman
Donna KelmanCorporate Credit Manager
Tolko Marketing and Sales Ltd.
NACM’s education surrounding Credit Best Practices and Credit, Business and Lien Laws has been a tremendous help in my credit career. The personal growth I have experienced by attending the CFDD meetings has helped me to be a leader.
Melissa Garcia, CBF
Melissa Garcia, CBFCredit Portfolio Manager
Bridgewell Resources LLC
I am thankful for the exceptional education courses and being awarded a scholarship that made the recent experience of earning my CBA designation the best.  I am grateful to be a part of such a wonderful organization! 
Mallory Bell, CBA
Mallory Bell, CBAAccounts Receivable/Credit Specialist
Dupree Building Specialties
Continuing credit education and ongoing training is paramount to the success of everyone on our team! NACM Commercial Services is a good partner to help us accomplish these needs.
Holly McAndrew
Holly McAndrewWholesale Credit Manager
Urban Outfitters
NACM Collectors helped us recover bad debt from a sticky situation and they handled it like a Pro! 
A Satisfied Collection Member
A Satisfied Collection Member
Participating in NACM’s Regional Metals industry trade group has been an invaluable resource, providing access to current customer payment trends, networking opportunities, and professional development. 
Dan Zaback
Dan ZabackCredit Manager 
Alaskan Copper Companies, Inc.
As an NACM trade group member, I’ve gained valuable insights beyond what credit reports offer. With our collective years of experience in Credit Management, it is a pleasure working with my peers and has truly been both encouraging and supportive.
Cindy Olivas
Cindy OlivasCredit Manager 
Pacific Metal Company
Being a member of our industry group has been invaluable to me. The networking opportunities, knowledge sharing, and support from fellow members have significantly contributed to my professional growth and success.
Kristirose White
Kristirose WhiteCorporate Credit Manager 
Farwest Steel
Thank you so much Kendall.  I always appreciate the quick responses, your excellent customer service, and how solution-oriented you are!
Mike Stanley
Mike StanleyCredit Analyst 
Masons Supply has relied on NACM’s Experian credit reports for years for all credit decisions. They help us minimize risk, understand growth opportunities, and troubleshoot issues, making NACM our preferred solution.
Jake Merriman
Jake MerrimanCredit Manager 
Conmas Construction Supply
I find the quick and easy access to credit reports essential in making accurate decisions.
Kacey Watt
Kacey WattLead Receivable Accountant
Toyota Lift