Monitor your business credit with Nav

Learn how lenders, vendors, and partners see your business and track what matters most to help you improve with Nav.

What is business credit monitoring?

Monitoring business credit helps you stay on top of changes to your scores or related information in your report like credit inquiries, new credit accounts, and other key factors that may affect your business credit.

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Why you should monitor business credit

Business credit is like your business’s report card for paying bills. Here’s why monitoring your scores matters, whether your business is new or well-established.

1. Know where you stand

Business credit monitoring helps you understand if your business credit scores are moving in the right direction. Managing your business credit helps you correct mistakes (which happen more often that you might think) that could potentially impact your scores.

2. See what lenders (and others) see

Lenders may use your business credit reports to help decide whether to offer your business a small business loan or other funding. Vendors may use it to determine if your business qualifies for trade credit and on what terms (like net-30). Business insurance companies may also check it to help set rates.

3. Protect against business identity theft

Business identity theft can be worse than personal identity theft because many business owners don’t learn about it for months or years. While you can’t always prevent it, monitoring your business credit can help you catch it sooner to minimize the damage.

Simplified UI mockup displaying business credit scores for Experian, Dun & Bradstreet, Creditsafe, Equifax, and FICO SBSS overlaid on a videographer filming on a video production set.

How to monitor your business credit

Nav helps you monitor business credit with 3 major business credit bureaus, see what’s affecting your scores, and understand how you can improve.

With Nav Prime, you can monitor your business credit scores and detailed report data from Dun & Bradstreet, Creditsafe, Experian, and Equifax. Nav Prime is also one of the only places you can unlock your FICO^® Small Business Scoring Service℠ (SBSS℠) score to track your eligibility for small business loans.

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How to improve and maintain business credit

In general, the key to building and maintaining business credit is to do business with companies that report payment history — then pay on time and keep debt levels manageable.

Seek out tradelines (business accounts) with vendors that report to the business credit bureaus
Consistently repay on time or early to build positive payment history.
Keep credit utilization low, and make sure information about UCC filings is correct and up to date

As you develop and build upon good business credit habits, Nav can help you track progress and take action to keep improving.

Monitor business credit with Nav

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