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NAV business boost?

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Valued Contributor

Re: NAV business boost?


@CreditGuy03 wrote:
Nav reported to all 3 for me. I have also canceled the service as I only needed the trade line to report

Will it not age off though on the next cycle?






Message 31 of 35
Frequent Contributor

Re: NAV business boost?


@Janus wrote:

@CreditGuy03 wrote:
Nav reported to all 3 for me. I have also canceled the service as I only needed the trade line to report

Will it not age off though on the next cycle?


Curious too as to how long it would take to age off.






~ This is Chess... It ain't Checkers!!! ~
Message 32 of 35
Established Contributor

Re: NAV business boost?


@SilverSmith wrote:

@Janus wrote:

@CreditGuy03 wrote:
Nav reported to all 3 for me. I have also canceled the service as I only needed the trade line to report

Will it not age off though on the next cycle?


Curious too as to how long it would take to age off.


This has been a question of mine for a while. I cannot find any definitive information on how long items stay on a business report after you stop using the account. I have an older corp for a business I am no longer in. The reports still shows accounts from 7-8 years ago. 

BECU | Apple | Discover | Key
Message 33 of 35
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Established Contributor

Re: NAV business boost?


@Morpho wrote:

@CreditGuy03 wrote:

@Janus wrote:

I'm wondering if eCredable would be a better choice, since for the same amount you can have multiple accts like Utilities etc. report?


No Ecredible reports to Experian and two other bureaus that do not really matter in the grand scheme of things.

 

Nav says they will post to equifax and DnB. That is what you want


I think both has value. eCredible has been around a few years and it's kind of ridiculous that they have not added Equifax and DNB. I get it, it cost money. That said the advantage they have over the NAV product is that they will backfill the reporting going back 24 months. That's huge. They report to Experian and Experian/Equifax is the main business report that credit card companies look at. eCredible is irrc about $50 up front and $10 ongoing. So $50 gets you back filled and makes your report look seasoned. That's worth it to me. Yeah I wish they would replace those other bureaus that don't matter with Equifax and/or DNB but it's not bad.

 

I'm going to do both I think. I'll report back and let everyone know how it impacted my scores. I'm going to do the NAV first.


Btw update to my own post. I finally got around to trying to sign up to eCredable. Right befoe I did I noticed Experian was no longer listed on their page. Turns out they no longer report to Experian. So I did not sign up. I sent them a message and they comfirmed that they dropped Experian (problems with Experian not accepting certain accounts customers wanted on their reports). They did say they would add Equifax and D&B soon. So I am holding off until they do.

BECU | Apple | Discover | Key
Message 34 of 35
Valued Contributor

Re: NAV business boost?

While unfortunate, i understand Experian's POV. Their reporting on BIZ credit, and ecredible want to allow your personal utilities to report and  that is technicially not a BIZ tradeline. 

 

Since i aleady have a couple that report to EX, I'm more concerned with them getting EQ on the board. 






Message 35 of 35
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