Description This group gives credit where credit is due, but it takes it away when it's past due. The National Association of Credit Management (NACM) provides an array of information and services to the business, credit, and financial industries in the US and Canada. NACM provides credit education, certification, and lobbying on behalf of its members. Its affiliated associations offer credit reports, collections, and business liquidation services. Its subsidiary Finance Credit and International Business (FCIB) serves exporters and multinational corporations. The association was formed in 1896.