Nav Business Credit Reports, Ratings & Boost Score Review

9 min read

Nav’s credit monitoring services provide easy access to business credit data, along with personal and business credit reports from just $30 per month. If you want to build business credit, obtain supplier trade credit, get SBA loans, or simply add a new tradeline to your business credit profile, having a Nav membership can help.

What is Nav

Nav Business
Nav Business
Credit Monitoring Service

Nav’s credit monitoring services provide easy access to business credit data, including personal and business credit reports from just $30 per month. If you want to build business credit, obtain supplier trade credit, get SBA loans, or simply add a new tradeline to your business credit profile, having a Nav membership can help.

The intelligent business financing solution that Nav offers comes in the form monthly subscriptions plans that include:

  • Download access to three full business credit reports
  • Access to two personal credit scores and reports
  • 24/7 score change alerts via email or text

While you can also sign up without a credit card, your reporting access to free business credit scores is limited to grades (A of F) in report-card-like summaries. A monthly subscription of $30-$50 is required to gain access to your full credit reports and Nav’s customer support team.

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While a free Nav account does have a few nice perks, any small business owner can easily benefit from subscribing to a paid account.

When you upgrade to paid plans like Nav Boost, you can safely monitor your business credit profiles, download monthly reports and receive their 24/7 notifications of credit score changes. On top of that, you’ll get tradeline reporting of your monthly membership fees to multiple credit bureaus.

  • Upgraded plans ($30-$50/mo) offer once-a-month download access to your full business credit reports. and your full personal credit reports from Experian and Transunion.
  • FICO SBSS scores are accessible in all Business Loan Builder ($50/mo) accounts.
  • Tri-bureau tradeline reporting of membership fees are sent monthly to Dun & Bradstreet, Experian, and Equifax for all Nav Boost and Loan Builder members.
  • $1M Identity theft protection and full-service restorations services are accessible in all paid subscription levels.
  • Lost wallet replacement service for all paying members requires just one call to cancel all lost cards, report missing documents, and initiate a fraud affidavit and/or police report.
  • Free credit monitoring is available with text or email alerts of any score changes in all accounts.
  • Cash flow alerts and insights allow all members to set manageable targets and track financial progress.
  • Live customer service and support are available to help all members with login, reporting, and billing issues.
  • No negative credit reporting, even if you are a little late with payments.


If you’re looking to secure business financing, do note that Nav does not offer to do a credit freeze, get daily updates on a specific business credit report or provide you with your personal credit score.

  • Monthly credit report frequency means you’re only able to get full report updates once per billing cycle and have to make do with 24/7 alerts in between.
  • No personal Equifax reporting or credit monitoring is available, so you’ll have to settle double-bureau reports from Experian and TransUnion.
  • Member plans do not have a free trial, so you have you pay for a full month ($30-$50) to view your full credit reports.
  • Free plans only offer credit grades (A to F) for D&B, Experian Business, and Equifax Business, along with a personal credit summary from the Experian credit bureau.
  • Cannot freeze credit reports, nor is any assistance offered other than providing instructions and links to major credit bureaus.
  • No credit error dispute capabilities for free or paying members, nor is any assistance offered.
Our Top Pick
Ohana Office Products
Building credit with Ohana is so easy!
No membership fees, an initial $2,000 credit limited being reported, and a $1,000 limit increase with each $80 invoice paid makes Ohana the best Net 30 accounts to start building business credit with.


While Nav offers a free plan and a lower $30/mo one too, newly established businesses can start building credit immediately by subscribing to Nav Business Boost at $40/mo. This account upgrade will ensure you receive tradeline reporting of your monthly payments to Dun & Bradstreet, Experian, and Equifax.

If you already have well-established business credit with several Tier 2 vendors already reporting, the $50/mo Loan Builder should be of interest. With this upgrade, you will also get access to your FICO SBSS score.

Free Account

Nav offers free business credit reports that include credit profile summaries from Dun & Bradstreet, Experian Small Business, and Equifax, A free personal credit report summary from Experian is also included.

No credit card is required to sign up for a free Nav account, and while its features are limited, it is not a trial and you can continue to use it as long as you like. Unlike paid accounts, however, you will not have access to your full credit reports.

Many of their free business credit ratings come in the form of report grades lettered from A to F. For your personal credit scores, you will only be able to see scores from Experian, but not Transunion.

Your free, no-obligation Nav membership, however, allows you to get 24/7 credit alerts, as well as, access to cash flow guidance tools. For the low price of $0 forever, you won’t find a better deal.

Business Manager

Five new features open up once you upgrade from Nav’s free plan to their Business Manager account ($30/mo). The most important is being able to access full business reports from Dun & Bradstreet, Experian, and Equifax, along with your personal credit reports from Experian and Transunion.

While these five business and personal credit reports are only updated once a month, they contain the same information that potential lenders will use to judge your business’s creditworthiness. If are a B2B vendor, you will also appreciate being able to follow credit reports and scores of up to 5 other businesses.

As a paying Nav member, you will have further access to their full-service identity restoration service that offers a one-call solution to deal with lost or stolen cards. On top of this, you will receive $1M in identity theft protection and lost wallet replacement insurance.

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Business Boost

When you upgrade to Nav Boost account for $40 per momth, you’ll get everything that’s included in their Business Manager account, plus one extra feature; tradeline reporting.

If you already have a well-established business credit history, you don’t need to pay the extra $10/mo for this, and can simply stick with the lower-priced plan.

For new businesses looking to build their credit profiles, having Nav report your membership payments will add one new tradeline to Experian, Equifax, and Dun & Bradstreet. To receive a D&B PAYDEX score, you will need three tradelines that report, while other business credit agencies require at least two.

You can quickly build strong business credit, by having a Nav Boost or Loan Builder subscription. For simply paying your bills on time, you will receive positive monthly tradeline reporting at three major credit bureaus.

Loan Builder

Priced at $50 per month, the Nav Loan Builder account is not for everyone, as it only adds just one extra feature; your FICO SBSS score.

With a range from 100 to 300, this credit scoring system is the standard used by SBA lenders and by banks that hand out small business loans. The FICO SBSS is not to be confused with the consumer FICO scoring systems that range from 300 to 900 and are readily available from myFICO, Experian, or Equifax.

Typically, FICO SBSS credit reports are only available to financial institutions, not regular business owners. Lenders approved by the Small Business Administration, as well as many large banks normally require a 160-170 score to give their approval. So, if you’re applying for a bank or SBA loan, getting 24/7 alerts to changes in your to our FICO business credit score is worth the upgrade cost.

If you only need credit monitoring to apply for business credit cards or to open new Net 30 accounts, then you don’t need to pay extra for a Business Loan Builder plan and can just go with a cheaper Nav Business Manager or Business Boost account.


FeatureFreeManagerBoostLoan Builder
Monthly Billing$0$30$40$50
Quarterly Billing$0$90$120$150
Business & personal credit alerts24/724/724/724/7
Financing marketplace accessYesYesYesYes
Cash flow alerts & insightsYesYesYesYes
Business Credit ReportsSummary OnlyFullFullFull
Personal Credit ReportsExperian Summary OnlyFullFullFull
Identity restoration serviceFullFullFull
Identity Theft Protection$1M$1M$1M
Follow businesses’ credit reports555
Lost Wallet ReplacementYesYesYes
Tradeline reportingYesYes
FICO SBSS scoreYes Pricing Table with features sorted by account type

Nav offers a free account with limited access to business credit history and scoring data, and three monthly subscription packages ranging from $30-50 per month. Free members will get access to business credit grades while paying members can download their full credit reports once a month. Extra features and benefits are added with each plan upgrade.

Paying members can choose a monthly or quarterly billing option, with the first quarterly payment being eligible for 20% off the monthly rate. Subscribing to the Nav Business Manager plan can save you $10/mo, but you’ll lose out on tradeline reporting, while only the Nav Loan Builder plan provides access to FICO SBSS credit scores.

If you want to earnestly start building business credit, you should consider one of their higher subscription packages, like Nav Business Boost.

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Credit Alerts

With all paid Nav subscription plans, you will get 24/7 credit reporting via email and text alerts of changes to your personal and business credit scores.

These real-time alerts can help you identify tradelines and bill payments that have the most impact on your credit scores, whether negative or positive. Credit judgments and liens will also appear in these alerts allowing you to take swift action where necessary.

Even without paying for a membership, you will still get free credit alerts, but notices of credit grade changes (A to F) may require a large increase or drop in score to get an alert.

Tradeline Reporting

All members who subscribe to the Nav Business Boost or Nav Builder plans will receive tradeline reporting to Dun & Bradstreet, Experian, and Equifax. While not clearly stated on the Nav website, the 1st of the month seems to be their reporting date.

As long as your account subscription is paid before the 15th of the month, you should receive a Nav credit alert that your payment is now showing up in your business credit reports within a few weeks.


Below you’ll find answers to our most frequently asked questions about and their business credit-related services.

1 min read

Yes. Nav is an online fintech company, that was formerly known as Creditra. They provide services to individuals and businesses to monitor their credit reports.

The free membership plans at Nav will allow you to see your basic credit score grade (A to F), while paid accounts let you see everything in your D&B, Equifax, Experian, and TransUnion credit reports. Paid membership, also has bonus features like identity theft protection and the ability to dispute errors on their credit reports.

1 min read

Formerly knowing Creditera, Nav is a fintech company that offers monthly credit report subscriptions that start from $30 per month. With your paid membership you’ll get up-to-date reporting of your D&B, Experian, and Equifax business credit scores and history.

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The full credit reports found in your paid subscription are completely accurate and come directly from D&B, Experian, Equifax, and Transunion. The free account credit reports, however, only allow you to see a credit grade from A to F, with A being the highest.

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When signing up with Nav with either personal or business information, they will make a soft pull of your credit score. This will not affect your credit score in any way but will provide you with access to your credit reports.

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Only a soft pull is made when you register for a account. This does not affect your credit score and is needed to provide access to your credit reports.

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Yes, both the Nav Boost and Loan Builder plans offer monthly tradeline reporting to multiple credit bureaus and access to full business credit reports from Dun & Bradstreet, Experian, and Equifax. Unlike many other Net 30 companies, Nav states that they will never make a negative report, even for non-payment.

1 min read

You can cancel any Nav membership plan by modifying your billing profile via the Admin link found in the top menu of your user dashboard. You can also speak with customer service to cancel your account through the toll-free number found in your account or by calling 1-801-937-4621.

Do note that for all paid plans, you must ensure your current invoice is paid in full before you will be allowed to cancel.

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On the 1st of each month. While Nav won’t confirm this, many customers mention this being their tradeline reporting date. With all Nav Business plans, however, you will receive a credit alert as soon as your tradeline is posted.

In the FAQ on Nav’s pricing page, they mention a reporting timeline of 14 to 45 days. This likely means that it’s probably best to pay your bill before the 15th of the month if you want to report on the 1st of the next (14 days later). If you only make a payment afterward, you probably won’t see anything reported until the following month (up to 45 days later)

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Dun & Bradstreet, Experian, and Equifax. Do note that tradeline reporting is only available in Nav Boost ($40/mo) and Nav Builder ($50) plans. If you subscribed to the lower Nav Business Manager ($30) you will get the same access to business and personal credit reports, but will not receive monthly reporting of your subscription payments.