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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.

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Latest News

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,

Experian Commercial Pulse

Experian’s Marsha Silverman is excited to share with you the current Experian Commercial Pulse Report. She has the opportunity each week to analyze data on the millions of U.S small businesses in Experian’s database, and discover actionable insights that benefit

Gartner Survey: Most CEOs Anticipate an Economic Boom Over the Next Two Years

Written By: NACM National More CEOs anticipate an economic boom (60%) rather than stagnation (40%) in 2021 and 2022, according to a recent survey of CEOs and senior executives by Gartner, Inc., a research and advisory company. Most respondents (35%)

Looking Out Over the Next 18 Months

As we speak with hundreds of business executives, there are two primary thoughts that seem to be on the top of their minds. They want to know what the economic recovery curve looks like for the next year and what

What’s an Analyst to Do? Use an Economic Dartboard.

Written by: Keith Prather, Managing Director, Armada Corporate Intelligence It is far too easy to say that these are “unprecedented times simply” and “we’ve never seen this before.” Depending on what economic or societal metrics one looks at, we can

Dun & Bradstreet US Economic Health Tracker

Republished from D&B https://www.dnb.com/perspectives/analytics/us-business-economic-trends.html

Economic Review – A Tale of Two Economies

Written by: Keith Prather, Armada Corporation Intelligence Depending on which media source one prefers to listen to, it seems that we are being pitched two extreme economic conditions. But when we peel back the onion, there is an interesting story

Economic Review – A Fragile Place

Written by: Scott Hoyt, Senior Director, Moody’s Analytics The U.S. economy is growing below its potential. Real GDP growth in the second quarter will probably come in close to 1.5%, while the economy’s current potential is estimated to be between

Economic Review – D&B Small Business Health Index

The U.S. Small Business Health Index increased 0.4 points m/m in March amid a continued fall in the number of small businesses failures. The index reached a 27-month high as the failure ratio, which compares the survival rate of small

Fundamentals Matter: 2019 Economic Outlook

By: Keith Prather, Armada Corporate Intelligence Many of us have heard of the famed “Wall of Worry” that purveys through the financial media today. It is the cumulative fear of events from Brexit to a China trade war, the inverted

Oregon Economic Forecast

Today, the Office of Economic Analysis presented its sixth of eight economic and revenue forecasts of the 2017-2019. This forecast is somewhat critical in that it is used to develop the Governor’s Recommended Budget for the 2019-2021 biennium which will be released in early

Where Are We and Where Might We be Headed?

Written by: Dr. Chris Kuehl This has been a tumultuous year for economists and analysts. I realize this sounds a little lame given all the other stuff that takes place in the course of a year – everything from hurricanes to

What is the Real Economic Risk from Trade Disputes?

Talk of trade wars and tariff hikes dominate the financial news. It has become difficult to go through a day in which we aren’t sidetracked by headlines speaking of protectionism and the destruction of free trade. Despite this negative overtone,

U.S. Macro Outlook: Powering Forward Supercharging Consumer Spending During This Expansion has Been the Wealth Effect

By: Mark Zandi, Chief Economist, Moody’s Analytics Republished with permission from Credit Research Foundation Overview The pace of growth remains firmly above the economy’s potential. Consumers have been the strongest and most consistent source of growth in the current economic expansion.

Economic Outlook 2017

By Dr. Chris Kuehl, PhD Managing Director – Armada Corporate Intelligence Thus it began – at least formally. What kind of economic growth does the Trump administration seek and how has that changed over that first 100 days? What kind

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