Transunion Policy Report Credit Information Area Code

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					September                                          Prosper
      2005                          NACM MidAmerica
                                                                P O Box 60655
                                                                405-232-5567 fax
                                                                                         Oklahoma City, OK 73146

PROSPER is intended to educate and inform through condensed articles, reviews, descriptions of legislative actions, announcements and events occurring for
the benefit of members of NACM MidAmerica. To include an item of interest for the PROSPER, please contact Mike Brittain, CAE (
                                                               “Read and PROSPER”

Important Compliance Notice...Deadline September 20th to avoid costs – The big three
consumer credit bureaus will impose more rigorous compliance certification for all information resellers of consumer
credit reports. Unconfirmed Feedback: TransUnion- “...newly imposed $275 minimum monthly charge for end-
user direct access”. Experian- “...newly imposed $1000 minimum monthly charge for end-user direct access…”
NACM MidAmerica has no monthly minimums or service fees for access to consumer credit information. Once a
member is setup, it is a simple matter of paying for the reports used. Through our partner OneCreditSource we are
implementing a member-wide NO SETUP FEE GRACE PERIOD UNTIL SEPTEMBER 20 , 2005. After the
deadline, a $100 setup fee will be imposed. All of this cost is to be used by the bureaus to safeguard the integrity of
consumer information and is the major reason for the implementation of this policy.
See the attached pdf file with active link to SPECIAL OFFER.

***Sell More. New Scored Credit Report with Bank Information Available NOW!***
Exclusively from NACM MidAmerica & Equifax
Banking information, credit card information, trade history, public records AND All Scored to help you
make accurate and speedy credit decisions. This new report offers exclusive bank information and credit card
payments on small businesses, proprietorships, partnerships. Compare this new report free. Call Tracy
Satterwhite at 405-235-1341 or see the link online at Very affordable credit reports
priced at $17.58; $15.70 each plus $1.88 each for the score. More comprehensive information; less cost; no

Credit Denials in Commercial Transactions – Telling a customer that you won’t extend credit is never
easy and can have serious Equal Credit Opportunity Act (ECOA) implications. Some helpful hints and sample letter
verbiage are now available on our website under Downloadable Forms button “MEMBERS ONLY” section at: See; Downloadable Forms, Members Only, Credit Denials in Commercial Transactions

Business Credit Principles Classes Starting Soon in OKC, Tulsa, Springdale, AR
“Legal Environment of Credit”; “Credit Policy & Procedures”; “Terms & Conditions of Sale”; “Negotiable
Instruments”; “Legal Forms of Business”; Uniform Commercial Code”…and much, much more are covered
in thirty hours of classroom instruction. One night each week, three hours each night spread over 10 weeks. Course
work qualifies for the Credit Administration Program and is one of the required courses for CBA certification. Tuition
cost is $475 for NACM members; $575 for non-NACM members (Text not included $52.95). If interested contact
Mike, Tracy or Brandi at the association offices for more information: 405-235-1341 or
See website Home page, click on Business Credit Principles for Enrollment form by 9-9

More Education Meetings & Fun Events
September 14-16, All South Credit Congress, Birmingham, AL – for detailed agenda.
Monday, September 19 – Scott Blakeley, Esq., Author & Speaker on Credit & Legal Topics – Tulsa, OK
Tuesday October 11 – “Lienapalooza”- Oklahoma City, Waterford Marriott – a.m. session UCC-1; p.m. Liens
Friday, October 14 – Fall Golf Tournament – Coffey Creek Golf & Country Club – Edmond, OK
Friday November 4 – Oklahoma/Texas Construction Suppliers - Liens & Bonds – held jointly with NACM Dallas.
   Watch for flyers or call the association office for details 405-235-1341 email:

Hurricane Katrina Devastation – Concern for NACM Affiliate and Members in New Orleans
Our hearts go out to those in Louisiana, and Mississippi who've experienced unimaginable devastation and loss this
week. Our NACM affiliate in New Orleans prepared by contacting our Programmer Nina Jones to insure back up
and transfer off all data. NACM MidAmerica is prepared and has offered to assist all members in affected areas
with credit information and other service their members need until they are again functional. It may be weeks or
months before their members need services of our nature, but we are here to help when and if the need arises. If
you have a branch office in any of the coastal states affected and they need help with their credit information
services, please let us know, or suggest they contact us. Our prayers are with them and their families during this
difficult time.

OU & OSU Home Game Tickets & Gas Gift Card Winners Week of August 29th
Get Yours by Using NACM MidAmerica
Congratulations…Kathy Bell, TS Heat & Air, Okc – OU Tickets; Jim Kerpon, Cummins Southern Plains,
Irving, TX, OSU Tickets; Robin Cook, Tri-B Nursery Supply, Tahlequah, OK, Gas gift card. Get on the band
wagon. Your name is entered into either OU or OSU helmets for Free Home Game Tickets or for a gas, dinner or
movie gift card whenever you come to a meeting, order a report, use collection or CUREtm. You can also have
your name entered multiple times by using the Flash System, bringing a prospective member to a group meeting or
educational event and/or by signing up to use any of the newest services we offer including the New Equifax Small
Business Exchange credit reports including Scoring and NACM Expanded Area Credit Report service. If
you like either the Sooners or the Cowboys don’t miss this chance to see a home game with tickets you earned
from NACM MidAmerica. Go to our home page for rules and schedule of games at
Next drawing: Every Friday through November 4, 2005. Act now for your chance to earn.

New Monthly Billing for Dues & Services This new billing plan seems to have met with member
approval. Especially since members may now apply base units provided with monthly service to educational and
social events, publications and other purchases in addition to credit reports and CURE tm. Members now pay
for association dues and services monthly instead of yearly and receive free credit report units and other services
each month with their membership in NACM MidAmerica. And members may choose from one of several options to
pay for their NACM renewal ranging from $45 to $85 per month. All new plans include credit report services at
no additional charge which can be used for workshops, seminars, conferences, social events, publications,
CUREtm and D&B, Experian, NACM and NACM EXPANDED reports. At every level, this change represents an
easier way to plan your purchasing options with NACM MidAmerica.

International Customers??? – Did you know you can get credit information, news clipping service and more
from NACM MidAmerica with our new Skyminder international credit reports access? If you find yourself in need of
information on that international customer, contact Tracy for a demo of Skyminder;

Job Postings and Resumes – While you’re reading this, the job candidate you’re looking for is probably
searching for YOU at NACM MidAmerica’s employment page online at These are top-
flight candidates who know this is the place to find credit jobs. You can POST your job so you won’t miss the best
candidates who know how to help you. Please add your job posting by calling Bobbie Terry at 405-235-1341.

The Association office will be closed Monday September 5th for
Labor Day

Board of Directors „05-„06
Deretta Austin, Norman Plumbing Supply ● Kaye Dunlap, Meeks Lumber ● Russ Grimm, Heatwave Supply ● Jerry Henry, Mill Creek Lumber ●
    Bill VanSant, Oklahoma Home Centers ● Don Ray, Federal Corporation Co ● Mike Saliba, Great Plains Coca Cola ● Matt St. John, Hope
                            Lumber ● Bob Vick, Coppermark Bank● Mike Brittain, CAE, President, NACM MidAmerica.
               Jon Hines, Rainbow Concrete, Special Liaison ● Director Emeritus Lloyd N. Riffer II, CCE, Past National Chairman;
                                           In Memoriam, Director Emeritus George Huston, 1924-2005.
Your NACM MidAmerica Staff
            Mike Brittain, CAE, President ● Bobbie Terry, Bookkeeping & Office Mgr. ● John Bannon, Industry Groups Tulsa & Arkansas
 ● Inez Freeman, Publications ● Teresa Jackson, Credit Reports & Group Services ● Traci Nakhleh, Industry Groups Wichita ● Tracy Satterwhite,
                         Member Services ● Brandi Terry, Credit Reports & Group Services ● Carla Watson, Collections

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