Nav, formerly Creditera, is a unique credit monitoring company in that it offers both personal and business credit monitoring.
- Personal and business credit information
- Free plan
- FICO scores
- Triple-bureau reporting
- Identity theft protection
Personal and Business Credit Information
Nav allows users to access their business credit reports from Experian and Dun & Bradstreet, along with their personal credit information from TransUnion, Experian, and Equifax.
For those wanting to test Nav to see if they want to subscribe, Nav offers a limited plan which is free and does not require a credit card to join. This plan includes a personal credit score from one bureau, business letter grades from two bureaus, summary credit reports, and 24/7 monitoring. There is no limitation to the length of time that one may used the free plan.
Nav uses the FICO scoring model to report its customers' credit. This is the same model used by the vast majority of lenders, so its helpful that customers can see the same score that potential creditors will be seeing.
With its paid plans, Nav provides credit scores and reports from all three major bureaus-Experian, Equifax, and TransUnion. This gives customers a comprehensive look at their credit.
Identity Theft Protection
Nav's premium plans include identity theft protection services such as identity recovery and up to $1 million in identity theft insurance.
- Monthly refresh rate
- Lack of mobile app
Monthly Refresh Rate
Unfortunately, Nav only refreshes credit scores and reports on a monthly basis. A lot can happen to a consumer's credit in a month, so it's frustrating that members will not have access to their information in real time. There are a number of other companies in the industry that provide weekly or even daily refreshes.
Lack of Mobile App
It appears that Nav does not provide a mobile app for its members to access their credit information on the go.
The Bottom Line
Nav offers credit information for both individuals and businesses, an free plan, FICO scores, triple-bureau reporting, and identity theft protection. However, the company only refreshes credit information on a monthly basis and does not appear to provide a mobile app.