Yes. All past on-time and delinquent payments will be reported after opting-in to the personal credit reporting. There can be a negative impact on personal credit scores the more recent the delinquent (or late) payment and the higher the credit score. For late payments more than 12 months ago, the likelihood of impacting your credit score in a negative way is less likely, but still could occur.

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.