Ash The Great | Oct 31, 2017 | 0
Creditera Review / Nav Review – Credit Report Review
Creditera changed its name to Nav. For that reason, I refer to the company as Creditera / Nav within this article. To cut to the chase, I think that Creditera / Nav is an okay company, I think they offer an okay service, but I think most people can do better. Their service is not especially remarkable, and their prices are high. I know that some people use the company and some people think it is the best, and that is fair enough. But, personally I think people can do a lot better with other companies that offer more information for less money.
I think that Creditera / Nav is better than the three credit bureaus (TransUnion, Experian, and Equifax) because the three credit bureaus pull the sleazy “Free Trial” trick whereas Creditera / Nav doesn’t. At least when companies such as Credit Karma, Noddle, Credit Sesame, Quizzle and Creditera/Nav give you a genuinely free credit report. At least they do not try to trick you with some “Free Free Free, but kinda not Free” bull-crap.
Do I think Creditera / Nav is great or good? No, I think Creditera / Nav is okay. But, I would choose Creditera / Nav any day over signing up with TransUnion, Experian, and Equifax.
What Does Creditera / Nav Do?
The Creditera / Nav company allows you to view your credit rating for free, and gives you a few basic details for free. If you want more, then they have a $30 monthly subscription and a $50 business subscription.
Creditera / Nav offers business credit summary reports, and credit rating monitoring. They have a series of tools that analyze your credit rating/ credit score and then gives advice on where you may be going wrong.
The scores you see may indicate your chances of being approved for credit, and the searches that Creditera / Nav do are soft searches, which means they will not affect your credit rating.
Like most services of this nature, Creditera / Nav offers a method for you to contact credit agencies and contest any errors. Plus, as with most services of this nature, the system has credit bureau-level security to help protect your information. I do like the fact that Creditera / Nav has the line, “Credit bureau-level security” when Equifax (a credit bureau) was hacked and breached in 2017. Maybe Creditera / Nav should update its website.
Did Creditera Change Its Name To Nav To Dodge Its Poor Online Reputation?
I am not quite sure. Creditera seems to have a very curated online reputation where negative reviews are located on only certain websites. This often implies that the company has paid to have negative reviews removed from other websites.
On the other hand, there are plenty of good reasons why a company may change its name, and “Creditera” is a bit crap if you think about it. If you were telling a friend about them, would you not have trouble saying, “Credit Err Ah” or “Cred Iterah” or however you are supposed to say it?
Have they used their name change to dodge their negative online reputation? Probably not, but I am guessing that the benefit of shedding their old reputation was a nice selling point when changing their name.
Their name change has actually made it slightly more difficult to find them. For example, if you type in “Nav App” or “Nav,” then the Creditera / Nav website is not the first to appear. The Creditera / Nav company is going to have to work very hard to keep their website on the first page of Google otherwise they are going to lose a lot of organic web traffic.
Creditera / Nav – Pros
- The basic Creditera / Nav credit reports are free, and the full credit reports and business credit reports are paid. You do not have to enter your credit card details and their searches will not harm your credit rating because they are soft searches.
- Creditera / Nav usually gives you reports from TransUnion, Experian, and Equifax, though that may have changed indefinitely during the year 2017 because of the data breach that occurred with Equifax.
- Creditera / Nav offers ID protection, credit monitoring and credit alerts. Their credit alerts are terrible, but their ID protection may be useful if you feel you or your business is at serious risk from an outside force or from a certain person.
- Their tools do not help you build a better credit rating, which is the suggestion that their website makes. However, the data they have on offer may help you make credit-friendly decisions in the future.
- Contrary to what other online reviews say about Creditera / Nav, they do have a mobile app. There is a mobile app for the Android operating system and one for iOS too.
Creditera / Nav – Cons
- Creditera / Nav has a habit of sending you credit alerts. They seem to have two purposes. The first is to get you to sign up with their service for another month so that you have to pay again. The other is to push adverts on you so that you have to buy something else to fix a supposed problem with your credit.
- The Creditera / Nav marketing department is paying reputation managers to post positive reviews online. As an aficionado of the fake review, having written so many in my years, I can tell you for a fact that they have positive reviews written for them.
- The marketing emails you get from Creditera / Nav are illegal. They tell outright lies and they do it from a position of authority. One of their classics is that you have a low credit rating, even if you have a high credit rating. Another is an email alert that your credit rating has just seen serious damage and you should do something about it now. They are outright lying to people and are leaving about 1% wiggle room so they can avoid being fined or penalized by the authorities.
- Everything you can get in your full (paid) report from Creditera / Nav may be had from other sources for less or for free.
- They pull the same shitty trick that Experian, TransUnion and Equifax pull where they sucker you into getting a paid subscription and then make it very difficult to get out of the subscription. Just like with the credit agencies, you have to call them, you have to wait on hold for a long time, and then you have to persuade a customer support agent that you really really really want to cancel your account.
- Their basic service is free, but if you want access to your full report, then you have to pay $30 per month or $50 per month. Their prices are much too high.
Is Creditera / Nav Right For Me?
No it is not. I am sure there are people out there who have used the service and think it is great, and I do not blame anybody for using it, but you can do better than Creditera / Nav.
The way they try to convince you to take their paid service is in very poor taste, and their membership cancellation policy sucks. They are offering information that you can get for free elsewhere, and their prices are much too high. If you like the company, then go with it, but I think you can do a lot better than Creditera / Nav.
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Try to take online reviews with a pinch of salt. Skepticism is always a good idea when you read things on the Internet anyway. Creditera / Nav does have a very good affiliate program that rewards online reviewers for saying good things about their company. Plus, the marketing team has a habit of posting positive reviews on numerous websites. Your best bet is to search for the negative reviews and see if they sing a common tune. If many of them say the same thing, then you can assume there is a systematic problem that needs to be addressed. Otherwise, you should read reviews like this one, learn as much as you can about the company, and then try it tentatively in your own time.