Nav Credit Reporting Review

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.

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.

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.

Nav is not accredited by the Better Business Bureau, yet holds an A+ rating with the organization with no reviews. The company has also been rated on Trustpilot.com, where they hold a TrustScore of 7.9 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.