How to Cancel Nav Business Credit in 2026
Nav charges $30-50/month for premium business credit monitoring. Their free tier shows your basic scores. Here's how to cancel and whether you actually need business credit monitoring.
How to Cancel
- Go to app.nav.com and log in
- Click Settings
- Navigate to Subscription
- Click Cancel or Downgrade to Free
- Confirm your cancellation
Free vs. Paid: What You Lose
- Free tier: Personal + business credit scores, basic monitoring, financing marketplace
- Premium ($30/mo): Full Dun & Bradstreet report, detailed tradeline data, real-time alerts
- Premium Plus ($50/mo): Everything above + Experian business report, identity monitoring
Do You Actually Need Business Credit Monitoring?
Honest assessment for different business types:
- Solo freelancer/consultant: Probably not. Lenders look at personal credit. Your PAYDEX score rarely matters.
- Small LLC (under $500K revenue): Maybe annually, not monthly. Check before applying for financing.
- Growing company seeking business loans: Yes, but check quarterly, not monthly. Subscribe for one month, review, cancel.
- Enterprise/government contractors: Important. D&B rating matters for bids. May need ongoing monitoring.
Free Alternatives
- Nav Free tier: Basic scores are enough for most small businesses
- Dun & Bradstreet direct: You can get your own D-U-N-S number free at dnb.com
- Experian Business: One-time report purchase ($40) instead of monthly subscription
- Credit.com: Free personal credit monitoring (which is what most small business lenders check anyway)
The Business Credit Industry Reality
The business credit monitoring industry thrives on fear — "What if your score drops and you don't know?" In practice:
- Business credit scores change slowly (monthly or quarterly updates)
- Most small business loans under $250K rely primarily on personal credit + revenue
- Paying $360-600/year to watch a number that changes 4-12 times per year is overkill
- The "financing marketplace" on Nav is essentially lead generation — those offers come to you regardless
💡 Bottom line: Most small businesses don't need monthly business credit monitoring. Downgrade to Nav's free tier, check your scores quarterly, and only subscribe for a month when you're actively seeking business financing.
More from the Blog
Popular Cancel Guides
Want to find ALL your subscriptions at once?
Upload a bank statement and we'll detect every recurring charge in 30 seconds. Most people find 3-5 subscriptions they forgot about.
Scan My Statement — FreeNo account · No bank login · 960+ people have used JustCancel