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Credit Reports

NACM Heartland partners with to provide our members access to consumer and commercial credit reports. is nationally recognized and is considered a credit-reporting agency and therefore conforms to very high standards of integrity and quality. has a special agreement with each of the three national credit bureaus — TransUnion, Equifax, and Experian — that grants them the ability to deliver commercial and consumer credit products via the Internet. This relationship offers all of our clients the flexibility needed to determine credit worthiness. You can download almost 30 variations of reports, each priced differently.

The Fair Credit Reporting Act (FCRA) was established to protect the rights of consumers. Because the information contained in consumer credit reports is very sensitive, using them requires compliance per the FCRA. Unlike commercial reports, downloading consumer reports requires permissible purpose. As a result, each user must fill out and sign a compliance form. OneCreditSource will help you through that one-time process when you first set up your account.

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