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2002 Credit Congress & Exposition vendor list.

Publication: Business Credit
Date: Monday, July 1 2002

Dear Reader,

The following pages contain a listing of vendors that exhibited at NACM's 106th Credit Congress and Expo in Las Vegas, June 10-13. The following chart shows the products and services which each vendor provides. For your convenience, these pages are perforated so that you may

pull them out for future reference.

It is our hope that if you were not able to attend this year's Credit Congress and Expo, you will want to come next year in order to meet with these exhibitors face-to-face, have the opportunity to talk with them about your particular needs, and see their products demonstrated.

Vendor Services


                                    Banking/                 Cash
                                    Finance   Bankruptcy  Application

9ci, Inc                                                       *
Actrade Financial                      *
Technologies, Ltd.
American Check Management              *                       *
AIG Global Trade
Association for Financial              *                       *
Professionals

Bid4Assets                                        *
BusinessCreditUSA.com
Business Payment Services              *
Group (BPSG)

Carma Financial Services
Corporation
ChoicePoint
C/Lect Consulting, Inc.                *                       *
CNA Credit
Collection Logistics
Colonial Tax Compliance Company
Columbia Ultimate
Commercial Law League of America                  *
Corporate Credit Solutions
Credit & Management Systems, Inc.
Creditek LLC                                                   *
Creditors Assistance, Inc.
Credit Risk International
CreditRiskMonitor.com
Cyber Business Credit, LLC                        *

DAKCS Software Systems, Inc.
D & B                                             *
eCredit.com                            *
eFinance Corporation
Emaqia Corporation
EULER American Credit Indemnity
Export-Import Bank of the U.S.         *
Experian                               *          *

Fifth Third Merchant Services          *
First National Merchant Solutions      *
Gerling NCM                            *
The GetPAID Corporation                                        *
Global Credit Services, Inc.
Global Software, Inc.                                          *

The IDP Companies
I-many, Inc.
ImportCard Financial, Inc.             *
Intercept Corporation
Internal Audit Bureau                                          *
Inet Credit Exchange                              *

JPMorgan                               *                       *

LiveCapital
London Bridge Group

NCS Credit - Nationwide
Credit Services
National Check Trust, Inc.             *
NMC Technologies, Inc.                                         *

Oinke, LLC

PBDS
Portellus
Pyramid Group, Inc.

SkyMinder
Smyth Corporate Staffing
Standard & Poor's Trade                *          *
Credit Services
Swiss Re

TheoFinance

Vendor Compliance Federation
Veritas Business Information, Inc.
Vision Commerce
Vision Software Solutions              *          *
Wells Fargo HSBC Trade Bank            *
Western Union Commercial Services                              *

                                    Commercial
                                      Credit                 Credit
                                      Lender    Consulting  Insurance

9ci, Inc                                            *
Actrade Financial                       *
Technologies, Ltd.
American Check Management                           *
AIG Global Trade                                                *
Association for Financial               *           *
Professionals

Bid4Assets                                          *
BusinessCreditUSA.com
Business Payment Services
Group (BPSG)

Carma Financial Services                *           *
Corporation
ChoicePoint
C/Lect Consulting, Inc.                             *
CNA Credit                                                      *
Collection Logistics
Colonial Tax Compliance Company                     *
Columbia Ultimate
Commercial Law League of America
Corporate Credit Solutions                          *
Credit & Management Systems, Inc.                   *
Creditek LLC                                        *
Creditors Assistance, Inc.
Credit Risk International
CreditRiskMonitor.com
Cyber Business Credit, LLC                          *           *

DAKCS Software Systems, Inc.
D & B                                               *
eCredit.com
eFinance Corporation                                *
Emaqia Corporation
EULER American Credit Indemnity                                 *
Export-Import Bank of the U.S.                                  *
Experian                                            *

Fifth Third Merchant Services           *
First National Merchant Solutions
Gerling NCM                                                     *
The GetPAID Corporation                             *
Global Credit Services, Inc.
Global Software, Inc.                               *

The IDP Companies                                   *
I-many, Inc.                                        *
ImportCard Financial, Inc.              *
Intercept Corporation
Internal Audit Bureau                               *
Inet Credit Exchange                                *

JPMorgan                                *

LiveCapital                                         *
London Bridge Group                                 *

NCS Credit - Nationwide                             *
Credit Services
National Check Trust, Inc.
NMC Technologies, Inc.

Oinke, LLC

PBDS                                                *
Portellus                                           *           *
Pyramid Group, Inc.                                 *

SkyMinder
Smyth Corporate Staffing                *
Standard & Poor's Trade                             *
Credit Services
Swiss Re                                                        *

TheoFinance                                         *

Vendor Compliance Federation
Veritas Business Information, Inc.
Vision Commerce
Vision Software Solutions
Wells Fargo HSBC Trade Bank             *                       *
Western Union Commercial Services


                                      Credit     Credit    Credit
                                    Management  Reporting  Scoring

9ci, Inc                                            *
Actrade Financial                       *
Technologies, Ltd.
American Check Management               *
AIG Global Trade
Association for Financial
Professionals

Bid4Assets                              *
BusinessCreditUSA.com
Business Payment Services
Group (BPSG)

Carma Financial Services                *           *         *
Corporation
ChoicePoint
C/Lect Consulting, Inc.                 *                     *
CNA Credit                              *
Collection Logistics
Colonial Tax Compliance Company
Columbia Ultimate
Commercial Law League of America
Corporate Credit Solutions              *           *         *
Credit & Management Systems, Inc.       *                     *
Creditek LLC                            *
Creditors Assistance, Inc.
Credit Risk International
CreditRiskMonitor.com                               *
Cyber Business Credit, LLC              *           *         *

DAKCS Software Systems, Inc.                        *         *
D & B                                   *           *         *
eCredit.com                             *                     *
eFinance Corporation                    *                     *
Emaqia Corporation
EULER American Credit Indemnity         *
Export-Import Bank of the U.S.          *
Experian                                *           *         *

Fifth Third Merchant Services
First National Merchant Solutions
Gerling NCM
The GetPAID Corporation                 *
Global Credit Services, Inc.                        *
Global Software, Inc.                   *

The IDP Companies
I-many, Inc.                            *                     *
ImportCard Financial, Inc.
Intercept Corporation
Internal Audit Bureau                   *
Inet Credit Exchange                    *           *

JPMorgan

LiveCapital                             *           *         *
London Bridge Group                     *                     *

NCS Credit - Nationwide
Credit Services
National Check Trust, Inc.
NMC Technologies, Inc.                  *                     *

Oinke, LLC

PBDS                                    *                     *
Portellus                                           *
Pyramid Group, Inc.

SkyMinder                               *           *
Smyth Corporate Staffing
Standard & Poor's Trade                 *           *         *
Credit Services
Swiss Re

TheoFinance                             *

Vendor Compliance Federation
Veritas Business Information, Inc.      *           *         *
Vision Commerce                         *
Vision Software Solutions               *           *
Wells Fargo HSBC Trade Bank
Western Union Commercial Services


                                    Deduction   Electronic  Information
                                    Management   Commerce    Services

9ci, Inc                                *
Actrade Financial                       *           *
Technologies, Ltd.                                  *
American Check Management
AIG Global Trade
Association for Financial                           *            *
Professionals

Bid4Assets                                          *            *
BusinessCreditUSA.com                                            *
Business Payment Services                           *
Group (BPSG)

Carma Financial Services                                         *
Corporation
ChoicePoint                                                      *
C/Lect Consulting, Inc.                 *           *            *
CNA Credit
Collection Logistics                                             *
Colonial Tax Compliance Company
Columbia Ultimate                       *
Commercial Law League of America
Corporate Credit Solutions              *
Credit & Management Systems, Inc.
Creditek LLC                            *
Creditors Assistance, Inc.
Credit Risk International
CreditRiskMonitor.com                                            *
Cyber Business Credit, LLC                                       *

DAKCS Software Systems, Inc.                                     *
D & B                                               *            *
eCredit.com                                         *
eFinance Corporation
Emaqia Corporation                      *           *
EULER American Credit Indemnity
Export-Import Bank of the U.S.          *           *
Experian                                *           *            *

Fifth Third Merchant Services
First National Merchant Solutions
Gerling NCM
The GetPAID Corporation                 *                        *
Global Credit Services, Inc.                                     *
Global Software, Inc.

The IDP Companies                                                *
I-many, Inc.                            *           *            *
ImportCard Financial, Inc.
Intercept Corporation                               *
Internal Audit Bureau                   *
Inet Credit Exchange                                *            *

JPMorgan                                            *            *

LiveCapital                                         *            *
London Bridge Group                                              *

NCS Credit - Nationwide                                          *
Credit Services
National Check Trust, Inc.
NMC Technologies, Inc.                  *

Oinke, LLC                                          *

PBDS
Portellus                                                        *
Pyramid Group, Inc.                     *

SkyMinder                                                        *
Smyth Corporate Staffing
Standard & Poor's Trade                 *                        *
Credit Services
Swiss Re

TheoFinance                             *                        *

Vendor Compliance Federation
Veritas Business Information, Inc.                               *
Vision Commerce                                     *            *
Vision Software Solutions
Wells Fargo HSBC Trade Bank                         *
Western Union Commercial Services                   *


                                    International     Risk      Skip
                                      Services     Management  Tracing

9ci, Inc                                                          *
Actrade Financial                                      *
Technologies, Ltd.                                     *
American Check Management
AIG Global Trade
Association for Financial                 *            *
Professionals

Bid4Assets                                             *
BusinessCreditUSA.com
Business Payment Services
Group (BPSG)

Carma Financial Services                  *            *          *
Corporation
ChoicePoint
C/Lect Consulting, Inc.
CNA Credit                                             *
Collection Logistics
Colonial Tax Compliance Company
Columbia Ultimate
Commercial Law League of America
Corporate Credit Solutions                             *
Credit & Management Systems, Inc.                      *
Creditek LLC                              *            *
Creditors Assistance, Inc.
Credit Risk International
CreditRiskMonitor.com                     *
Cyber Business Credit, LLC                             *

DAKCS Software Systems, Inc.                                      *
D & B                                     *            *
eCredit.com                                            *
eFinance Corporation                                   *
Emaqia Corporation                                     *
EULER American Credit Indemnity           *            *
Export-Import Bank of the U.S.
Experian                                  *            *

Fifth Third Merchant Services             *
First National Merchant Solutions         *                       *
Gerling NCM                               *            *
The GetPAID Corporation                   *
Global Credit Services, Inc.
Global Software, Inc.

The IDP Companies                                      *
I-many, Inc.                              *
ImportCard Financial, Inc.                *            *
Intercept Corporation
Internal Audit Bureau                                  *
Inet Credit Exchange

JPMorgan                                  *            *

LiveCapital                               *            *
London Bridge Group

NCS Credit - Nationwide
Credit Services
National Check Trust, Inc.
NMC Technologies, Inc.

Oinke, LLC

PBDS                                                   *
Portellus                                              *
Pyramid Group, Inc.

SkyMinder                                 *            *
Smyth Corporate Staffing
Standard & Poor's Trade                                *
Credit Services
Swiss Re

TheoFinance                               *            *          *

Vendor Compliance Federation
Veritas Business Information, Inc.                     *
Vision Commerce
Vision Software Solutions                              *
Wells Fargo HSBC Trade Bank               *            *
Western Union Commercial Services


                                    Software/   UCC Filing/
                                    Technology   Searching

9ci, Inc                                *
Actrade Financial
Technologies, Ltd.
American Check Management
AIG Global Trade
Association for Financial               *
Professionals

Bid4Assets                              *
BusinessCreditUSA.com                   *
Business Payment Services               *
Group (BPSG)

Carma Financial Services                             *
Corporation
ChoicePoint                                          *
C/Lect Consulting, Inc.                 *
CNA Credit
Collection Logistics                    *
Colonial Tax Compliance Company
Columbia Ultimate                       *
Commercial Law League of America
Corporate Credit Solutions              *
Credit & Management Systems, Inc.       *
Creditek LLC
Creditors Assistance, Inc.
Credit Risk International
CreditRiskMonitor.com
Cyber Business Credit, LLC

DAKCS Software Systems, Inc.            *
D & B                                   *            *
eCredit.com                             *
eFinance Corporation                    *
Emaqia Corporation                      *
EULER American Credit Indemnity
Export-Import Bank of the U.S.
Experian                                *            *

Fifth Third Merchant Services           *
First National Merchant Solutions
Gerling NCM
The GetPAID Corporation                 *
Global Credit Services, Inc.
Global Software, Inc.                   *

The IDP Companies                       *
I-many, Inc.                            *
ImportCard Financial, Inc.
Intercept Corporation
Internal Audit Bureau
Inet Credit Exchange                    *            *

JPMorgan                                *

LiveCapital                             *
London Bridge Group                     *

NCS Credit - Nationwide                 *            *
Credit Services
National Check Trust, Inc.
NMC Technologies, Inc.                  *

Oinke, LLC                              *

PBDS
Portellus                               *
Pyramid Group, Inc.

SkyMinder                               *
Smyth Corporate Staffing
Standard & Poor's Trade
Credit Services
Swiss Re

TheoFinance

Vendor Compliance Federation
Veritas Business Information, Inc.
Vision Commerce                         *
Vision Software Solutions               *
Wells Fargo HSBC Trade Bank
Western Union Commercial Services

                                    Other (Edic-
                                    ation, Trai-
                                    ning, etc.)

9ci, Inc                                 *
Actrade Financial
Technologies, Ltd.                       *
American Check Management
AIG Global Trade
Association for Financial                *
Professionals

Bid4Assets
BusinessCreditUSA.com                    *
Business Payment Services
Group (BPSG)

Carma Financial Services                 *
Corporation
ChoicePoint
C/Lect Consulting, Inc.                  *
CNA Credit                               *
Collection Logistics
Colonial Tax Compliance Company          *
Columbia Ultimate                        *
Commercial Law League of America         *
Corporate Credit Solutions
Credit & Management Systems, Inc.
Creditek LLC
Creditors Assistance, Inc.               *
Credit Risk International                *
CreditRiskMonitor.com
Cyber Business Credit, LLC               *

DAKCS Software Systems, Inc.
D & B                                    *
eCredit.com
eFinance Corporation
Emaqia Corporation
EULER American Credit Indemnity
Export-Import Bank of the U.S.
Experian

Fifth Third Merchant Services            *
First National Merchant Solutions
Gerling NCM
The GetPAID Corporation                  *
Global Credit Services, Inc.
Global Software, Inc.

The IDP Companies                        *
I-many, Inc.                             *
ImportCard Financial, Inc.               *
Intercept Corporation
Internal Audit Bureau
Inet Credit Exchange

JPMorgan

LiveCapital
London Bridge Group                      *

NCS Credit - Nationwide                  *
Credit Services
National Check Trust, Inc.               *
NMC Technologies, Inc.

Oinke, LLC                               *

PBDS
Portellus                                *
Pyramid Group, Inc.

SkyMinder
Smyth Corporate Staffing                 *
Standard & Poor's Trade                  *
Credit Services
Swiss Re

TheoFinance                              *

Vendor Compliance Federation             *
Veritas Business Information, Inc.
Vision Commerce                          *
Vision Software Solutions
Wells Fargo HSBC Trade Bank              *
Western Union Commercial Services

2002 Credit Congress & Exposition Vendor list

9ci, Inc.

Contact: James Dean, Vice President of Sales

611 N. Route 83, Suite 103

Bensenville, IL 60106

Tel: 800/397-6952 ext. 321

Fax: 630/766-9539

E-mail: james.dean@9ci.com

Web site: www.9ci.com

Actrade Financial Technologies, Ltd.

Contact: Michael Miele, V.P. of Business Development

200 Cottontail Lane, Vantage Court South

Somerset, NJ 08873

Tel: 732/868-3100

Fax: 732/868-8469

E-mail: mmiele@actrade.com

Web site: www.actrade.com

American Check Management

Contact: Dean Middleton, President

9225 Southwest 158 Lane

Miami, FL 33157

Tel: 305/259-7600

800/759-6786

Fax: 305/259-7680

E-mail: mracm@aol.com

Web site: www.acmeft.net

AIG Global Trade and Political Risk Division

Contact: Des de Swart, Vice President

70 Pine Street, 12th Floor

New York, NY 10270

Tel: 212/770-7335

Fax: 212/269-3387

E-mail: des.deswart@aig.com

Web site: www.aig.com

Association for Financial Professionals

Contact: David Meisner, Membership Administrator

7315 Wisconsin Avenue, Suite 600W

Bethesda, MD 20814

Tel: 301/907-2862

Fax: 301/907-2864

E-mail: dmeisner@afponline.org

Web site: www.afponline.org

Bid4Assets

Contact: Sandra Kidney, Managing Director,

Bankruptcy Claims

One Sansome Street, Suite 1900

San Francisco, CA 94104

Tel: 415/951-4710

Fax: 415/674-8171

E-mail: skidney@bid4assets.com

Web site: www.bid4assets.com

BusinessCreditUSA.com

Contact: Troy Peterson, General Manager

5711 South 86th Circle

Omaha, NE 68127

Tel: 888/274-5325

Fax: 402/537-6761

E-mail: customerservice@BusinessCreditUSA.com

Web site: www.BusinessCreditUSA.com

Business Payment Services Group (BPSG)

Contact: Howard Ives, National Sales Director

4000 Coral Ridge Drive

Coral Springs, FL 33065

Tel: 954/851-7892

Fax: 954/851-7195

E-mail: howard.ives@firstdata.com

Web site: www.businesspayments.com

Carma Financial Services Corporation

Contact: Andrew Wood, Manager, Business Development

789 Don Mills Road, 4th Floor

Toronto, ON M3C 1TS CANADA

Tel: 416/488-3933

Fax: 416/488-8658

E-mail: awood@carmafinancial.com

Web site: www.carmfinanancial.co

ChoicePoint

Contact: Jeffrey D. Trynz, Director, Banking & Finance

4530 Conference Way South

Boca Raton, FL 33431

Tel: 561/982-5433

Fax: 561/982-6251

E-mail: jeff.trynz@choicepointprg.net

Web site: www.choicepoint.net

C/Lect Consulting, Inc.

Contact: David Bonneau, President

6807 N. Sheridan Road, Suite 200

Chicago, IL 60626

Tel: 773/508-1753

Fax: 773/508-1754

E-mail: davidb@clect.net

Web site: www.clect.net

CNA Credit

Contact: Jim Higgins, Marketing Analyst

1100 Cornwall Road

Monmouth Junction, NJ 08852

Tel: 800/283-7965

Fax: 732/398-5106

E-mail: james.higgins@cna.com

Web site: www.cnacredit.com

Collection Logistics

Contact: Roland Eichman, Senior Consultant

5330 Washington Blvd.

Indianapolis, IN 46220

Tel: 317/506-5946

E-mail: reichman@collectionlogistics.co

Web site: www.collectionlogistics.com

Colonial Tax Compliance Company

Contact: Lisa Hayes, Marketing Director

8525 Dunwoody Place, Building 14

Atlanta, GA 30350

Tel: 770/650-0841

Fax: 770/650-0842

E-mail: Lhayes@colonialtax.com

Web site: www.colonialtax.com

Columbia Ultimate

Contact: Dan Tippetts, Business Unit Manager

14300 SE First Street

Vancouver, WA 98684

Tel: 360/256-7358

Fax: 360/260-1614

E-mail: ant@colubs.com

Web site: www.columbiaultimate.com

Commercial Law League of America

Contact: Lesley Metcalf, Administrative Director

150 N. Michigan Ave. Suite 600

Chicago, IL 600601

Tel: 312/781-2000

Fax: 312/781-2010

E-mail: cllalesley@aol.com

Web site: www.clla.org

Corporate Credit Solutions

Contact: Terry Kensinger, President, CEO

2407 Camino Corso Rio

San Clemente, CA 92673

Tel: 800/217-1222

Fax: 949/369-5097

E-mail: terrk@corpcreditsolutions.com

Web site: www.corpcreditsolutions.com

Credit & Management Systems, Inc.

Contact: John Sargent, President

49 Sherwood Terrace, Suite 49E

Lake Bluff, IL 60044

Tel: 847/735-9700

Fax: 847/735-9702

E-mail: cmsarge@icmsglobal.com

Web site: www.icmsglobal.com

Creditek LLC

Contact: Matthew Skudera, Director of Operation Finance

7 Entin Road

Parsippany, NJ 07054-0454

Tel: 973/515-4900

Fax: 973/952-0253

E-mail: info@creditek.com

Web site: www.creditek.com

Creditors Assistance, Inc.

Contact: Brett Metcalfe, President

4208 198th Street, SW Suite 201

Lynnwood, WA 98036

Tel: 877/772-5070

Fax: 800/883-7113

E-mail: brettm@creditorsassistarice.com

Credit Risk International

Contact: Xander Kupers, Marketing Manager Chris O'Connor, International Advertising Sales Manager

Third Floor, 84 Tooley Street

London, SE1 2TF, United Kingdom

Tel: 44 (0)20 7089 5250

Fax: 44 (0)20 7407 4704

E-mail: Xander@crimag.com Chris@crimag.com

Web site: www.crimag.com

CreditRiskMonitor.com

Contact: Tom Corbett, Senior V.P.

110 Jericho Turnpike, Suite 202

Tel: 516/620-5400 ext. 303

Floral Park, NY 11001

Fax: 516/620-2276

E-mail: tcorbett@creditriskmonitor.com

Web site: www.my.creditriskmonitor.com

Cyber Business Credit, LLC

Contact: Kim J. Zablocky, President

253 35th St., 6th Floor

Tel: 646/452-8130

New York, NY 10001

Fax: 646/452-8079

E-mail: nycredit@tiac.net

Web site: www.zablocky@cyberbusinesscredit.com

DAKCS Software Systems Inc.

Contact: Roland Wright, Sales Manager

3017 Taylor Avenue

Tel: 800/533-2090

Ogden, UT 84403

Fax: 801/778-2382

E-mail: sales@dakcs.com

Web site: www.dakcs.com

D & B

Contact: Joanne Carson, Vice President, Communications

One Diamond Hill Road

Tel: 908/665-5810

Murray Hill, NJ 07974

Fax: 908/665-5430

E-mail: carsonj@dnb.com

Web site: www.dnb.com

eCredit.com

Contact: Kelly Cundiff, Director, Market Strategy

20 Carematrix Drive

Tel: 781/752-1200

Dedham, MA 02026

Fax: 781/752-1400

E-mail: info@ecredit.com

Web site: www.ecredit.com

eFinance Corporation

Contact: Debbie Fugate, VP of Strategic Marketing

201 Baldwin Ave., Suite 100

San Mateo, CA 94401

Tel: 650/581-2928

Fax: 650/340-1843

E-mail: dfugate@efinance.com

Web site: www.efinance.com

Contact: Marshall Murphy, VP, Business Development

Tel: 800/952-1552

Fax: 650/340-1843

E-mail: sales@efinance.com

Web site: www.efinance.com

Emagia Corporation

Contact: Ramakrishna Magulu ri, Financial Analyst

900 Lafayette St., Suite 700

Santa Clara, CA 95050

Tel: 408/551-4935

Fax: 408/975-9889

E-mail: ramakrishna.maguluri@emagia.com

Web site: www.emagia.com

EULER American Credit Indemnity

Contact: Leah Maddox, Vice President, Marketing & Business Development

100 E. Pratt Street

Baltimore, MD 21202

Tel: 410/554-0634

Fax: 410/554-0631

E-mail: leahmaddox@eulergroup.com

Web site: www.eulergroup.com

Export-Import Bank of the U.S.

Contact: Sharyn H. Hess, Business Development Officer

20 Exchange Place, 40th Floor

New York, NY 10005

Tel: 212/809-2653

Fax: 212/809-2646

E-mail: sharyn.hess@exim.gov

Web site: www.exim.gov

Experian

Contact: Laurie T. Touchberry, Corporate Communications Manage

475 Anton Blvd., D-3

Costa Mesa, CA 92626

Tel: 714/830-5827

Fax: 714/830-2417

Web site: www.experian.com/b2b

Fifth Third Merchant Services

Contact: Stephen F. Ruch, Assistant Vice President

Franchise & Association Sales Manager

38 Fountain Square Plaza

Cincinnati, OH 45263

Phone: 513/534-6866

Fax: 513/534-4453

E-mail: steve.ruch@53.com

Web site: www.53.com

First' National Merchant Solutions

Contact: Jon Lindhjem, Vice President

222 S. 15Th Street

Omaha, NE 68102

Tel: 402/633-1884

Fax: 402/633-2668

E-mail: jlindhjem@fnni.com

Web site: www.foomp.com

Gerling NCM

Contact: Arjan van de Wall

5026 Campbell Boulevard

Baltimore, MD 21236

Tel: 800/822-3223

Fax: 410/246-5532

E-mail: info@ncmamericas.com

Web site: www.ncmamericas.com

The GetPAID Corporation

Contact: Dana Triplin, Marketing Coordinator

300 Lanidex Plaza

Parsippany, NJ 07054-2723

Tel: 973/463-1500

Fax: 973/599-0902

E-mail: info@getpaid.com

Web site: www.getpaid.com

Global Credit Services, Inc.

Contact: Sam Fensterstock, Vice Resident, New Business Development

Gerry Polakoff, Executive V ce President, Sales

545 Madison Avenue, 14th Floor

New York, NY 10022

Tel: 212/308-6060

Fax: 212/308-7807

E-mail: samf@globalcreditservices.com or polakoff@globalcreditservices.com

Web site www.globalcreditservices. corn

Global Software, Inc.

Contact: Becky Kaufman, Director, Customer Support

3200 Atlantic Avenue

Raleigh, NC 27604

Tel: 919/865-5413

Fax: 919/876-8205

E-mail: becky.kaufman@glbsoft.com

Web site: www.glbsoft.com

The IDP Companies

Contact: Michael Berman, EVP

490 Boston Post Road

Sudbury, MA 01776

Tel: 978/218-5017

Fax: 978/218-5099

E-mail: evp@idpco.com

Web site: www.idpco.com

I-many, Inc.

Contact: Tom Denk, Marketing Communications Manager

300 West Adams Street

Chicago, IL 60606

Tel: 312/372-3850 ext. 5229

Fax: 312/372-3688

E-mail: tdenk@imany.com

Web site: www.imany.com

ImportCard Financial, Inc.

Contact: Carlos Milian, President

8525 NW 53rd Terrace, Suite 220

Miami, FL 33166

Tel: 305/477-0970

Fax: 305/477-0971

E-mail: info@importcard.com

Web site: www.ImportCard.com

Intercept Corporation

Contact: Cindy Simon

607 NP Avenue

Fargo, ND 58102

Tel: 701/241-7832 or 800/378-3328

Fax: 701/241-9930

E-mail: info@interceptcorporation.com

Web site: www.interceptcorporatiOn.cOm

Internal Audit Bureau

Contact: Ken Green, President

233 Northern Blvd. Suite 2

Clarks Summit, PA 18411

Tel: 800/742-0014

Fax: 570/587-1111

E-mail: outsource@iabinc.com

Web site: www.iabinc.com

Inet Credit Exchange

Contact: William Croyle, Vice President, COO

P.O. Box 339

Howard, OH 43028

Tel: 877/806-3368

Fax: 740/397-6915

E-mail: william.croyle@axom.com

Web site: www.inetcreditexchange.com

JPMorgan

Contact: Tanya Joseph

One Chase Manhattan Plaza, 7th Floor

New York, NY 10005

Tel: 212/552-6644

Fax: 212/552-2688

E-mail: Tanya.joseph@chase.com

Web site: www.jpmorgan.com

LiveCapital

Contact: Mike Grossman, CEO

1900 5. Norfolk, Suite 15

San Mateo, CA 94403

Tel: 650/350-3601

Fax: 650/401-3646

E-mail: mikeg@livecapital.com

3550 Engineering Drive, Suite 200

Web site: www.livecapital.com

London Bridge Group

Contact: Jim Crawford, VP, Sales & Marketing

Tel: 770/810-8000

Norcross, GA 30092

Fax: 770/810-8175

E-mail: lbginfo@lbss.com

729 Miner Road

Web site: www.london-bridge.com

NCS Credit - Nationwide Credit Services

Contact: Gregory Powelson

Tel: 440/461-9661

Highland Hts, OH 44143

Fax: 440/544-2701

E-mail: gpowelson@ncscredit.com

9960 NW 116th Way

Web site: ncscredit.com

National Check Trust, Inc.

Contact: Jeanine Goodstein, VP Sales & Marketing

Tel: 800/858-5256

Miami, FL 33176

Fax: 305/887-7642

E-mail: jgoodstein@nctinc.net

11419 Cronridge Drive, Suite 11

Web site: www.nctinc.net

NMC Technologies, Inc.

Contact: Michael Oberlin, President

Tel: 410/356-1444

Owings Mills, MD 21117

Irvine, CA 92618

Fax: 410/356-1425

15320 Barranca Pkwy.

E-mail: moberlin@nmctech.com

Web site: www.nmctech.com

Oinke, LLC

Contact: Thomas Markel, CEO

Tel: 949/743-1839

Fax: 949/784-8700

E-mail: tom@oinke.com

106 Apple Street, Suite 303

Web site: www.oinke.com

PBDS

Contact: Eileen O'Hare, AVP Marketing

Tel: 732/530-9303

Tinton Falls, NJ 07724

Fax: 732/933-9267

E-mail: eohare@pbdsinc.com

Web site: www.pbdsinc.com

Portellus

Contact: Scott Ferrell, Director of Sales

18101 Von Karman, Suite 650

Irvine, CA 92612

Tel: 949/250-9600

Fax: 949/975-8450

E-mail: scott@portellus.com

Web site: www.portellus.com

Pyramid Group, Inc.

Contact: Earl D. Schell, Principal

Cincinnati, OH 45242

Tel: 513/791-5535

E-mail: schell@pyramidgroup.com

Pyramid Group, Inc.

Contact: Anthony J. Esposito, Principal

Sayerville, NJ 08871

Tel: 732/651-6606

E-mail: aesposito@pyramidgroup.com

Web site: www.pyramidgroup.com

SkyMinder

Contact: Eleonora Romagnori, Marketing

2701 N. Rocky Point Drive

Suite 1100

Tampa, FL 33607

Tel: 813/636-0981

Fax: 813/637-8451

E-mail: e.romagnoli@crifgroup.com

Web site: www.skyminder.com

Smyth Corporate Staffing

Contact: John Broderick, Executive Consultant

7 Entin Road

Parsippany, NJ 07054

Tel: 973/386-5900 ext. 565

Fax: 973/560-0858

E-mail: jbroderick@smythcorp.com

Web site: www.smythcorp.com

Standard & Poor's Trade Credit Services

Contact: Camilo Gomez, Managing Director

2205 Miguel Chauce Road

Santa Fe, NM 87505

Tel: 505/955-8430

Fax: 505/982-9002

E-mail: camilogomez@standardandpoors.com

Web site: www.risksolutions.standardandpoors.com

Swiss Re

Contact: Sylvain Bouteille, Managing Director

55 East 52nd Street

New York, NY 10055

Tel: 212/317-5217

Fax: 212/317-5532

E-mail: sylvain_bouteille@swissre.com

New York, NY 10169

Web site: www.swissre.com

TheoFinance

Contact: Joseph Plotnick, President

230 Park Avenue, Suite 1000

Tel: 646/435-5632

Fax: 732/656-1767

E-mail: j.plotnick@theofinance.com

New York, NY 10001

Web site: www.theofinance.com

Vendor Compliance Federation

Contact: Kim J. Zablocky, President

253 35th St., 6th Floor

Tel: 646/452-8240

Fax: 646/452-8079

E-mail: zablocky@vcfww.org

New Haven, CT 06510

Web site: www.vcfww.org

Veritas Business Information, Inc.

Contact: Robert Lucht, Chief Operating Officer

121 Whitney Avenue

Tel: 203/503-6700

Fax: 203/781-3833

E-mail: robert.lucht@veritas-usa.com

St. Charles, MO 63303

Web site: www.veritas-usa.com

Vision Commerce

Contact: Linda Lundergan, Marketing Coordinator

2050 Bluestone Court

Tel: 636/940-2592

Fax: 636/949-5086

E-mail: linda@visioncommerce.com

Charleston, SC 29407

Web site: www.visioncommerce.com

Vision Software Solutions

Contact: Barry F. Brinson, Jr., President

1942 Sam Rittenberg Blvd., Suite A

Tel: 800/248-5550

Fax: 843/571-2511

E-mail: bbrinson@visionsoftwaresolutions.com

Web site: www.visionsoftwaresolutions.com

Wells Fargo HSBC Trade Bank

Contact: Fidela lrigoyen, Vice President

100 W. Washington St., 35th Floor

MAC: 34101-251

Phoenix, AZ 85003

Tel: 602/378-1117

Fax: 602/378-1320

E-mail: lrigoyen@wellsfargo.com

Plano, TX 75074

Web site: www.wellsfargo.com

Western Union Commercial Services

Contact: Joe Musco, VP, Field Sales

660 N. Central Expressway, Suite, 450

Tel: 972/881-3597

Fax: 972/881-3570

E-mail: joe.musco@westernunion.com

Web site: www.westernunion.com

RELATED ARTICLE: eCredit

APPLICATIONS

Customer: CDW

Industry: Technology Provider

Product: InstantDecision[TM]

Challenge: Improve speed and accuracy of credit decisions, without adding overhead, to quickly accommodate a growing number of new customers.

Solution: Implement an eCredit real-time credit automation solution to automate most credit decisions using the most up-to-date information.

Managed Growth With Managed Risk at CDW

CDW is a Fortune 500 company that provides technology products an services to businesses and the public sector nationwide. The company was founded in 1984 as a home-based business and today employs more than 2,800 people with net sales of approximately $4 billion in 2001.

CDW focuses on small- and medium-sized businesses with approximately 97 percent of sales derived from commercial accounts. CDW has built strong relationships within the technology sector and is a leading direct source for Cisco, Compaq, Hewlett-Packard, IBM, Intel, Microsoft, Sony, Toshiba and other top name brands. It was recently ranked first in its industry on FORTUNE magazine's "America's Most Admired Companies" list, and is expanding its list of active commercial customers.

Handling Fast Growth

"We were experiencing double-digit growth in our new customer acquisition," said Ken Ford, Director of Credit Services, CDW. "Each new customer required credit approval, so we now needed to make fast, accurate credit decisions in order to quickly service our customers and as a way of expediting the sales process and managing operational costs."

The old credit approval process at CDW required the company's analysts to manually review credit information received daily from information bureaus. The information could have been as much as three months old, and the process was often time-consuming.

By using older data, the company was not certain it was providing the most accurate credit limit to new customers. It was possible that CDW was missing sales opportunities because it was nor allotting a large enough credit limit to low-risk customers. In addition, older data meant that CDW might not be immediately aware of negative change in a company's credit raring or if the customer was declared fraudulent

Minimizing Risk

CDW chose InstantDecision software from eCredit.com to make credit decisions more accurate, efficient and consistent and to manage risk more closely. The eCredit solution offered real-time access to bureau data and scores, to ensure decisions were based on the most up-to-date information. In addition, eCredit software took CDW's existing credit decision process--which involved gathering information manually and applying a credit limit based on the resulting customer score--and automated it from start to finish. This dramatically reduced the time and effort needed to process a single transaction and improved consistency of credit decisions.

"With InstantDecision, we built our own credit line assignment model in the system," said Ford. "This means we are issuing credit based on our own perception of risk, and we've ensured continuity in our credit portfolio." The flexibility of the InstantDecision software also meant CDW could change credit decision rules, data elements used to assign credit limits and scorecard thresholds as needed--such with a change in economic conditions--with little delay.

Real Results

Using the eCredit system, CDW reduced the transaction time for an application by 75 percent, speeding up the time to order fulfillment. CDW now processes some 3,000 credit decisions per month, and virtually all credit-approved, in-stock orders ship the same day, with close to 15,000 orders shipped daily.

Despite the changes in the economy after implementation of the eCredit software, CDW did not see a significant change in bad debt loss--meaning the system's improved accuracy may have prevented risky lending decisions

CDW has also dramatically improved efficiency. "With eCredit InstantDecision, we can handle up to twice the volume of applications with the same number of employees," said Ford. "That means CDW has no slowdown in credit processing even when there is a spike in orders. In the credit department, we have peace of mind of knowing the credit decision will not be the limiting factor in delivery of orders."

For more information on eCredit, visit www.ecredit.com or e-mail info@ecredit.com.

American Check Management

ADVERTISEMENT

American Check Management's Electronic Funds Transfer Program

"Every credit department that doesn't institute this tool is just another step behind the competition

Thomas Palie, credit and collections manager for Conversent Communications, is referring to American Check Management's newest credit management tool--Electronic Funds Transfer (EFT). ACM'S EFT program provides its clients with the latest and most efficient way to process payments. EFT rakes advantage of the latest electronic capabilities by safely and securely processing and depositing payments through ACH via the ACM Processing Network. It eliminates or reduces costly wire transfer costs. Funds are transmitted using data encryption and server authentication. Not only is it safe, it's fast!

How Does It Work?

All you need is the information printed on your customer's check and the dollar amount to be processed. That means that you can rake down the information while you have the customer on the phone, or the customer can fax a copy of their check to you. Once the information is in hand, simply log onto the ACM web site using your ACM customer number, and input the necessary information. Once you hit the "submit" key, the customer's checking account will be drafted and the funds will be deposited into your company's bank account-usually within 48 hours! Eliminating the time it takes to receive a check in the mail, the trip to the hank to deposit the check and the longer time period it takes the check to clear through the bank are obvious benefits. What are some others?

Benefits for the Customers

ACM clients report immediate results using the EFT program. By using EFT, you can count on the following benefits:

* Improved ability to get paid while performing collection calls

* Improved A/R aging

* Accelerated cash flow

* CODs become CIAs (cash-in-advance)

* Reduced DSO

* It's cheaper and more secure than credit card transactions

* No need to change your current banking relationship

Conversent, a phone company with thousands of customers, has been using ACM's EFT program for the last eight months. Conversent has a "suspension for non-pay" process, where customers are given 10 days to bring their account current upon receipt of notice. If they don't pay, their service is discontinued. "... every time we contact a customer, we need it to end with a payment in hand," says Palie. Until ACM's EFT program was implemented, this process was a manual one and extremely time consuming. Now payment can be secured during the collection call. "Follow-ups and 'the check is in the mail' have become a thing of the past."

For another ACM client who also uses its check guarantee service, EFT proves effective for not only collecting on past due customers, but also as an alternative payment option. "Since we are in the construction industry," comments Debbie deBoer, CBA, corporate credit manager for Miles Sand and Gravel, "this payment method has become an alternative payment option for many of our customers that work out in the field and cannot get a check into our office for COD shipments or to clear a credit hold status. This payment option has allowed us the opportunity to increase sales because it provides us the opportunity to be more flexible and accessible to our customers.

The EFT program can also benefit the dient's customers--saving them time, money and worry. There is no need for remembering to write a check, apply postage and mail the payment. All that is done for them through one easy phone call.

The ACM Advantage

ACM clients agree that the EFT program is extremely easy to implement and use. "This group of professionals (ACM) will go to any length to make the 'partnership' successful," says deBoer. ACM customizes the program data to fit each client's needs and walks them through the simple steps of processing a payment. As part of ACM/NACM's member benefit package, there are no start-up fees or monthly minimums. Nor is the software expensive ACM can help you improve job performance, enhance your relationship with customers and save your company time and money while providing you with the highest level of service and attention. "The attention that ACM gives to us is what makes them so valuable as a business partner," comments Palie.

Exceeding Expectations

Not only has EFT met all deBoer's expectations, but it has far exceeded them. "Nor only would I be happy to recommend this service to other companies...but I have already done so on numerous occasions." Palie believes that EFT is the tool of the future. "Recommend it? I'd require it!" he says. "It will hasten the day when children see a copy of a paper check and ask their parents 'What was this used for?"'

For more information on American Check Management's EFT program, visit www.acmeft.net or call 800/759-6786

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