These days, finance and credit businesses are more secured because there are organizations that are geared to protect their interest. An example of this organization is the National Association of Credit Management or NACM. Established in 1896, the association assisted thousands of businesses in the United States to create more solid management systems, safeguard from fraudulent activities, promote better credit laws, improve current credit practices and methods, strengthen interchange of credit information, and establish a universal credit code of ethics. NACM aims to be an organized credit and finance business assembly that can cater to the needs of its members through comprehensive products, services, and programs.