If your personal credit score is above a 700 we recommend that you do not sign up for personal credit reporting. Nav’s personal credit reporting on the Nav Prime Card is designed to help small business owners with low credit scores. If your credit score is already high, there is a more limited positive impact that personal reporting can have.
If your score is below 700, the Nav Prime Card with personal credit reporting will be a stronger fit for you, helping build business and personal credit simultaneously.
Nav Technologies, Inc. is a financial technology company and not a bank. Banking services provided by Thread Bank, Member FDIC. The Nav Visa® Business Debit Card and the Nav Prime Charge Card are issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted. See Cardholder Terms for additional details. All other features of the Nav Prime membership are not associated with Thread Bank.
With regard to credit building features: scores are calculated from many variables; some users may not see improved scores. The Nav Prime Charge Card is a business financing product and may not be used for personal, family or household transactions.