Nav Credit Reporting Review

Rating: 8.7 / 10 (Excellent)
2 Customer Reviews - see all comments
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Founded in 2012, Nav is a free credit management and financing resource for businesses and individuals offering easy-to-read credit reports and monitoring, as well as credit-building tools, and a marketplace that matches users with credit options based on their approval odds. The company has headquarters in San Mateo, California and Salt Lake City, Utah.

How is Nav Credit Reporting rated?


Credit Score & Reports
Monitoring & Tools
Plans and Pricing
Reputation & Support

Overall Rating: 8.7 / 10 (Excellent) is a free resource for business owners looking to obtain financing effortlessly, while managing and building credit. Both their website and mobile app offer easy-to-read personal and business credit reports and 24/7 monitoring, with useful self-serve tools that help users contest credit scores with a single click, develop and launch business concepts, and set up simple tasks to help improve their business credit scores. Owners of small and medium-sized enterprises will find Nav's free service an excellent tool to gain a better understanding of their credit profile and increase their chances of obtaining financing, while those running larger operations or looking to qualify for loans will surely benefit from their reasonably-priced Essential and Premium plans.

Credit Score & Reports

Credit Score & Reports - 9 / 10

Nav offers a free Standard plan that includes a personal credit score, a summary VantageScore 3.0 Credit Report, and letter grades from two unstated bureaus. The Essential plan contains an Experian and TransUnion Vantage Score 3.0 Personal Report as well as letter grades from two bureaus, again unstated. Out of all their plans, however, Nav's Premium Package offers the best features, including a personal VantageScore 3.0 score, business credit scores from two bureaus, and detailed VantageScore 3.0 credit reports. Potential customers, especially small business owners, will find Nav's summary reports useful when attempting to determine whether or not they will eligible for credit or financing, yet they should remember that the company only provides credit report summaries and VantageScore estimates, which will likely differ from the scores used by lenders when making credit decisions.

Credit Bureaus Covered

Credit Report Frequency
Access to Credit Scores
Access to Credit Reports

Monitoring & Tools

Monitoring & Tools - 9 / 10

Nav's paid plans offer credit monitoring with email alerts for up to 90 types of changes to your credit, identity recovery services, up to $1 million in identity theft protection, live customer support, and insight into the underlying factors possibly affecting your credit. The company also provides a business credit package with tools that offer guidance for building credit, scan reports for errors, provide dispute assistance, and track overall financial progress by setting attainable goals. Nav volunteers limited details about their plans and skims over their most relevant features, for which reason potential customers may want to consider enrolling in the free Standard plan to get a feel for what their services entail before transitioning to a paid plan.
Credit Tools
Credit Change Alerts
Security & Protection
Identity Theft Monitoring
Identity Theft Insurance
Identity Restoration Support
Identity Theft Insurance Limit

Nav Credit Reporting Plans & Pricing

Plans and Pricing - 8 / 10

Nav's Essential plan is available for $19.99 per month, while the Premium plan is priced at $24.99 per month. While both are fairly similar, the Premium option offers a personal VantageScore, full Vantage Score credit reports, and business credit scores from four unstated bureaus. The company does not offer a free trial of either of their paid plans, but their Standard account gives users access to an accurate summary of their credit information, as well as excellent self-serve tools for building business credit at no cost.
30-day Trial Available?
Free Report Offered?
Monthly Price
Starting at $19.99

Nav Credit Reporting Reputation & Support

Reputation & Support - 9 / 10

Nav is not accredited by the Better Business Bureau, yet holds an A+ rating with the organization with no reviews and only four complaints thus far. The company has also been rated on, where they hold a TrustScore of 6.9 out of 10, based on mostly positive customer reviews. Business owners who have used Nav's financing marketplace report having a hassle-free experience and being matched with the right lenders and tools to build and maintain a healthy credit. The company's highly-rated mobile phone app, Nav: Business Credit & Finance, is available for Apple and Android phones and features 27/7 credit monitoring and alerts through push notifications.
Mobile App
Alert Methods
Mobile App

Customer Feedback

BBB Rating
Trust Pilot Rating
6.9 out of 10
Date Collected

Contact & Additional Company Information

Year Founded
Homepage URL
Company Phone
(855) 226-8388
Headquarters Address
155 Bovet Rd, Suite 310, San Mateo, CA, 94402

Our Partner
8.7 / 10
  • Free tools and insights to build business credit
  • Get started for free without credit card required
  • 24/7 credit monitoring
  • Real-time alerts
  • Vantage 3.0 score
  • Identity Theft Insurance

Latest Nav Credit Reporting Reviews

Salt Lake City, Utah

Free credit reports and scores for my business and tools to build business credit. It really is free. You can pay if you want to get all the details in your reports. A financing marketplace is part of their site and it sorts through your options and shows your approval chances before you apply.

Joel J
Salt Lake City, Utah

$29 for full business and personal reports is all that needs to be said. D&B charges $50 for one report.