Best Business Credit Monitoring Services

Hiring an online credit monitoring service allows you to build your business credit faster and can help your business to get financing when you need it. Numerous online credit monitoring companies will monitor your business credit for a fee. We reviewed and ranked the five best business credit monitoring services.

Our Approach:

It is essential to choose a credit monitoring service that will help you avoid late payments, fraud, and misreporting. There are many different options out there.

Three factors are important when choosing the best business credit monitoring service:

  • The platform's overall features
  • Cost and value
  • User experience

This review will show you the top credit monitoring services, what they offer, and how they compare with one another.

Our Top-Rated Business Credit Monitoring Services for 2021:

  1. Nav is the best business credit monitoring service overall. You can view credit reports, improve your business credit score, and obtain business financing.
  2. Dun & Bradstreet CreditMonitor™ is best for business insights and data analytics. It offers real-time credit score data to help you strategically plan and grow your business.
  3. Experian is best for measuring financial health. It monitors your business credit report at all the major business credit bureaus.
  4. Credit Suite is best for understanding lender requirements. It helps you get lending by teaching you what lenders look for when deciding to extend credit.
  5. CreditSafe is best for monitoring other businesses. It helps you understand the financial health of companies you may want to partner with.

We chose Nav as the best overall credit monitoring service for small businesses. Nav's platform is packed full of useful features, is fairly priced, and provides business customers a fantastic overall user experience and insights into the business credit bureaus. Customers love Nav!

We also chose Dun & Bradstreet as the best choice for deeper insights into your business because they offer incredible analytics and data reports.

Continue reading our full breakdown of all five credit monitoring providers below. You'll find more information about Nav and Dun & Bradstreet, as well as our other top business credit monitoring services.

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Our free guide teaches you how to build business credit to help your business obtain financing and improve cash flow.

Best Business Credit Monitoring Services: Breakdown

1. Nav: Free to $49.99/month

Based on overall quality, we highly recommend Nav when choosing a credit monitoring service for your small business. Nav offers a clean feature-rich platform, access to all your business credit reports, access to your business credit scores, and the best credit monitoring service starting at only $29 per year.

Note: Nav also offers the best free business credit monitoring service, which, while it does not provide full access to your report, gives a letter grade to let you know how well your business is doing.

Nav Pros

  • Free plan for those on a tight budget
  • Low-cost plans that get you everything
  • Great customer feedback from Trustpilot customer reviews
  • Loads of features (credit file, credit scores, business's credit history, payment history, several business credit bureaus)
  • Access to a personal credit report, personal credit score, and credit monitoring

Nav Cons

  • Nav credit monitoring comes with a free plan; however, you don't get access to your actual business credit score, so you can't check your business credit. You only get a letter grade to indicate how well your business is doing.

Nav's Pricing and Features

Nav offers one free package and three paid packages. The 

Free Package:

  • Summaries of Dun & Bradstreet, Equifax, and Experian business credit scores and credit reports
  • Summaries of Experian personal credit scores and credit reports
  • 24/7 business and personal credit alerts
  • MatchFactor financing marketplace
  • Cash flow insights and alerts
  • One-on-one access to credit and lending specialists

Business Manager: $29.99/month

  • All features from the Free package
  • Detailed business credit reports and business credit scores from Dun & Bradstreet, Experian, and Equifax
  • Detailed personal credit reports and personal credit scores from Experian and TransUnion
  • Error disputes on credit reports
  • Identity restoration service with a one-on-one identity specialist
  • Up to $1 million in identity theft restoration
  • Credit report follow-ups
  • Discounted quarterly pricing plans

Business Boost: $39.99/month

  • All features from the Business Manager package
  • Tradeline reporting

Business Loan Builder: $49.99/month

  • All features from the Business Boost package
  • FICO Small Business Scoring Service℠ (SBSS) score

In all, Nav offers the best monitoring services for small business owners seeking to establish business credit. Nav's packages include more valuable features, you can find a plethora of positive feedback online, and the company offers a seamless customer experience.

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Best Credit Monitoring Service: Nav

Nav is the overall best online business credit monitoring service, providing many features at an affordable price.

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2. Dun & Bradstreet CreditMonitor: $39/month

Dun & Bradstreet CreditMonitor provides great value when it comes to business credit analytics and insights.

Dun & Bradstreet CreditMonitor Pros

  • Helps you know more about your credit score, spending habits, and other important financial information. It provides a monthly summary of your credit report that includes any changes in your score, as well as an alert if anything suspicious has occurred with your information
  • Protects you against identity theft by providing services such as fraud alerts, data breach notifications, dark web monitoring, and access to online fraud protection tools
  • Helps ensure that creditors do not re-file past late payments on your account without permission from you first
  • You get full access to your Dun & Bradstreet Paydex score (a business credit score)

Dun & Bradstreet CreditMonitor Cons

  • No access to other credit reporting agencies' credit reports or business credit profiles (e.g., Equifax Business credit file, etc.).

Dun & Bradstreet CreditMonitor Pricing and Features

Dun & Bradstreet CreditMonitor is $39 per month and gets you a lot of features, including:

  • 24/7 access to your Dun & Bradstreet business credit file
  • Ability to monitor your business credit file in real-time
  • Ability to view your D&B scores and business credit report
  • Insights and valuable analytics to help protect and grow your business
  • Notifications when other businesses make inquiries about your business
  • Dark web monitoring of up to two business email addresses
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Best Business Insights: Dun & Bradstreet CreditMonitor

Dun & Bradstreet CreditMonitor is one of the best business credit monitoring services if you need detailed analytics and data, want to focus on building your Dun & Bradstreet credit profile and Paydex score, and need fewer other monitoring services.

CreditMonitor

3. Experian Business Credit Advantage: $189/year

Experian is best for measuring financial health to see how well your business is performing. Experian Business Credit Advantage offers you the ability to monitor changes in your report, giving you peace of mind knowing you can keep tabs on how fast and how far your business credit line is growing.

Experian Business Credit Advantage Pros

  • 24/7 access to the tools you need to manage and build business credit
  • Ability to stay up to date with your credit file
  • Real-time access to your credit score
  • Maximize your Paydex score and build your company reputation

Experian Business Credit Advantage Cons

  • Service doesn't offer any protection against identity theft or fraud

Experian Business Credit Advantage Pricing and Features

Experian Business Credit Advantage is $189 per year and offers a full credit report with many features, such as:

  • Business Credit Dashboard that displays three months of credit trends
  • Continuous credit monitoring and email updates on credit report updates
  • Access to CyberAgent identity monitoring technology
  • Monitoring of specific credit factors, including trade payments, collection filings, UCC filings, judgment filings, tax lien filings, and leasing
  • Experian Financial Stress Rating and Score Improvement Tips to help better business credit
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Best Financial Health Tracking: Experian Business Credit Advantage

You can use Experian Business Credit Advantage not only to monitor your own business's financial health but also to get a birds-eye view of all your tradelines and business information on your credit report.

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4. Credit Suite Monitoring: $24/month

Credit Suite helps small businesses improve their credit score. By taking advantage of the latest technology, Credit Suite can help small businesses monitor their business loan repayments while providing them with monthly reports on how they are doing in terms of repayment and managing their debt.

Credit Suite teaches you what lenders look for when deciding to approve a business loan application.

Credit Suite Monitoring Pros

  • Fast, easy, and affordable business credit report monitoring
  • Get your Dun & Bradstreet Paydex business credit score, Experian Intelliscore business credit score, and Equifax Business Delinquency score all in one place with automatic email alerts
  • Get all the data you need reported back to you on a simple one-page layout that doesn't require any complicated graphs or charts

Credit Suite Monitoring Cons

  • No free services, but a three-month trial is available

Credit Suite Monitoring Pricing and Features

Credit Suite Business Monitor is $24 per month and offers the following reports:

  • Dun & Bradstreet Paydex business credit score
  • Experian Intelliscore business credit score
  • Equifax Business Delinquency Score

Each report contains business details such as:

  • D-U-N-S Number (Dun & Bradstreet) and BIN (Experian)
  • Basic company details (history, number of employees, and overall revenue)
  • Credit summaries (tradelines, balances, public business records, and UCC filings)
  • Payment details (number of active accounts, credit trends, delinquencies, and balances)
  • Utilization insight (percentage of credit utilization, average utilization, and current balances)
  • Credit quality comparisons to company competitors
  • Factors that negatively impact your credit score
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Best for Business Loan Planning: Credit Suite Monitoring

Credit Suite is the best choice if you want deep insights into the business credit bureaus, credit scores for your business, and what lenders look for when approving business loans.

Credit Suite

5. CreditSafe: Call for a price quote

CreditSafe is a credit monitoring service that helps companies keep a close eye on their customers and suppliers. CreditSafe is best for monitoring other businesses in your industry.

CreditSafe also provides timely alerts and updates to keep your credit scores up and running. It works behind the scenes to monitor your creditworthiness without any extra input from you, so you avoid costly errors that could cause massive financial issues.

CreditSafe Pros

  • User-friendly interface
  • Unique and customizable features for easier customer experience
  • Access to your credit scores (e.g., Paydex scores, Equifax Business Credit, etc.), limits, and all changes
  • Keep track of any changes for a company name or address
  • Powerful notifications and alerts system.
  • 24/7 local and international team of experts available for questions

CreditSafe Cons

  • CreditSafe does not list its pricing on its website. You must call to get a quote.

CreditSafe Pricing and Features

CreditSafe does not list its pricing on its website; you must call to get a quote. When we called, they quoted us a rate of $39 per month.

For their credit report services, CreditSafe provides three standardized packages but notes that additional features may be available for further customization.

Standard

  • Freedom access to business credit reports
  • US Officer Reports
  • Media Solutions
  • Five international credit reports
  • Up to 100 monitored businesses
  • 3D portfolio management
  • 1,000 US marketing data records

Plus

  • All features from the Standard package
  • 50 international credit reports (15 available for Canada and Mexico)
  • Up to 500 monitored businesses
  • 500 international marketing data records

Premier

  • All features from the Plus package
  • 150 international (30 available for Canada and Mexico)
  • Freedom access to business monitoring
  • 1,000 international marketing data records
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Best for Business Monitoring: CreditSafe

You can use CreditSafe not only to monitor your own business's financial health but also the health of competitors and businesses you already or might in the future want to do business with.

CreditSafe