nav sbss score accurate?

[norberto123]

the sbss score is supposed to be a combination or algorithm comprised of your personal experian, business experian , and d and b right,

so on the experian business credit site my score is around 85, and on nav it is like 26.    approximately a month ago my sbss score was 170plus and nothing adverse has happened but it has now gone down to 160.   I"m practically paying nav to lower my small business score.   Could it be that my true sbss business score is a lot higher since nav is using my vantage personal which is a bit lower than my fico and a business experian which is significantly lower than what it shows on the experian business site.    It's extremely extremely frustrating,  the small business score is supposed to be linked to your experien business credit and nav has an experien credit which is way way off. 

[JoeRockhead]

The Fico SBSS score is supposed to be calculated from all the information you mentioned but also Equifax business as well. From what I understand, NAV calculates their own SBSS score based on the information they pull. With that being said, while it might give you a general idea of the neighborhood of your score, I wouldn't rely on the SBSS score from NAV to be the most accurate. To get an accurate score, you'd likely have to have an SBA lender pull your SBSS score from Fico. As long as you're above a 155, you should qualify (score wise) for an SBA loan