Expand Your Credit-Eligible Universe

Leverage a single platform to access standardized consumer credit data from multiple sources, including global credit bureaus, bank data aggregators, payroll aggregators, and document data.

Trusted Partners:

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More Ways to Reach New Consumers

Access trusted, consumer-permissioned financial data to access new consumer segments — all while maintaining your risk profile.

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More Ways to Optimize Funnel Conversion

Minimize acquisition costs by optimizing your funnel conversion rate. Consumer-permissioned data gives you the confidence to approve more of the people that you’ve already attracted.

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More Ways to Reduce Portfolio Risk

Respond to uncertain economic conditions and develop loss avoidance strategies by improving your risk assessment with more visibility into debt-to-income ratio and true income.

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More Ways to Automate Income Verification

Automate income verification processes with Cash Atlas™ and reduce time to fund. Cash-flow underwriting reduces friction in applications by removing manual document uploads and review.

Our products

One Mission, Two Products

We're building a fair and inclusive financial system for the world. We help you approve more applicants while empowering consumers to put their best foot forward.

Credit Passport®

Quickly approve qualified newcomers for mainstream credit.

Credit Passport® gives you analytics into a newcomer’s creditworthiness when applying for financial products like credit cards, loans, device financing, and more. Our solution translates international credit data from 2 billion credit profiles in real time to a standardized credit report.

Cash Atlas™

Improve your credit risk assessment using bank transaction data.

Cash Atlas™ helps you improve risk prediction for thick-file consumers and expand credit access to thin-file and no-file consumers. Leverage consumer-permissioned bank transaction data to layer affordability on top of your existing underwriting models.

We're able to remove a barrier for the millions of newcomers to the U.S. who arrive each year and instantly lose access to the credit history they built elsewhere.

Daisy Gao | Vice President, Risk Management, Head of US Consumer New Accounts Underwriting

Why Businesses Choose Nova Credit


Multi-source data and real-time analytics


International Bureaus Supported


Enterprise-grade regulatory compliance

Fair Credit Reporting Act (FCRA) Consumer Report

Nova Credit operates globally as a consumer reporting agency under the Fair Credit Reporting Act (FCRA) in the U.S. We gather consumer-permissioned data through integrations with international credit bureaus and domestic checking and savings account data aggregators. Our clients can approve, decline, and send adverse action notices, while we manage disputes.

Expert Analytics & Guidance

Nova Credit is led by a team of experts in credit risk and lending. Our dedicated services team delivers trusted integration services, strategic advice, and ongoing support.

Speed to Implementation

Avoid resource intensive experimental projects. With Nova Credit, you can implement cash flow underwriting or international credit data 9–12 months faster than in-house alternatives.

Purpose-Built for Credit Risk

Our solutions are designed to predict creditworthiness by transforming new data sources into proven risk insights.

Let’s Grow Your Business Together

Submit your information and a member of our team will be in touch about how we can grow your business together.

Webinar On-Demand: Cash Flow is Here: Top use cases helping underwriters today - watch here.