Nav

• Personal and Business Credit Information
• Free Plan
• FICO Scores
• Tri-Bureau Business Reporting
• Identity Theft Protection

Personal and Business Credit Information

Nav allows users to access their business credit reports from Experian, Equifax, and Dun & Bradstreet, along with their personal credit information from TransUnion and Experian.

According to the company's website, Nav's personal credit plan, also known as the Essential plan, includes: 

• Monthly Experian VantageScore 3.0 personal report and a monthly TransUnion VantageScore 3.0 personal report 
• Experian and TransUnion personal credit scores 
• Email and text alerts
• Around-the-clock access to a client dashboard
• Live customer service 
• $1 million identity theft protection
• Identity recovery services 

Nav's other business credit packages include full business credit reports and scores, 24/7 business and personal credit alerts, identity restoration services and identity theft protection, one-on-one access to credit and lending specialists, MatchFactor-powered financing marketplace, and more.

The business credit packages and tools that Nav offers are designed to help business owners, especially small business owners, establish and build business credit.

Those interested in Nav's business credit packages can visit the company's website and contact the company directly to learn more. 

Free Plan

Nav offers a limited-features plan option which is free and does not require a credit card to join. This can be especially helpful to consumers who are interested in Nav's credit monitoring services but who don't want to commit to paying a monthly fee right away.  

This free plan includes a personal credit score from one bureau (Experian), 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 use the free plan.

FICO Scores

Nav uses the FICO scoring model to report its customers' credit. This is the same model used by the vast majority of lenders, so it's helpful that customers can see the same score that potential creditors will be seeing.

Tri-Bureau Business Reporting

With its paid plans, Nav provides credit scores and reports from Experian and TransUnion for personal use as well as credit scores and reports from Dun & Bradstreet, Experian, Equifax for businesses.

These credit report and credit score updates give customers a comprehensive look at both their personal and business credit, and helps them determine what they need to do to improve their credit health. 

Identity Theft Protection

Unlike some other credit monitoring services, Nav premium plans include identity theft protection services such as identity recovery and up to $1 million in identity theft insurance. Additionally, the company offers lost wallet replacement services and 24/7 alerts. 

• Double-Bureau Personal Reporting
• Monthly Refresh Rate

Double-Bureau Personal Reporting

Nav customers do not get Equifax reporting for personal credit monitoring, even with the company's paid plans. Customers only receive full personal credit reports and credit scores from Experian and TransUnion. Meanwhile, other companies within the credit monitoring industry offer credit reports and scores from all three of the major credit bureaus. 

Monthly Refresh Rate

Unfortunately, Nav only refreshes credit scores and reports on a monthly basis. A lot can happen that could affect consumers' credit health in a month which is why there are a number of other companies in the industry that provide weekly or even daily refreshes.