ICSM gives its subscribing companies a unique way to make informed credit decisions through the sharing of credit information, free national and international credit reports as well as access to legal advice and debt recovery services.Being a member of ICSM gives you exclusive access to:- Free access to local and national credit watch community information.- Automatic monitoring of your customers' performance with real time updating.- Free traditional credit reports.- Access to online foreign credit reports from over 150 countries.- Free on-line debt legal letters, with no additional charges for postage.-Free, professional legal advice on all matters of debt recovery and other business matters such as HR and business contracts.- Free debt recovery service, where your debtor is liable for all costs and fees*.