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The card offers that appear on this site are from companies from which Nova Credit receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Nova Credit does not include all card companies or all card offers available in the marketplace.

About Nova Credit

Nova Credit is the premier cross-border bureau. Lack of a domestic credit history keeps millions of immigrants in the United States from realizing their dreams. The award-winning fintech helps newcomers and other global citizens apply for financial services using their international credit history from countries including Australia, Brazil, Canada, India, Mexico, Nigeria, South Korea, and the UK. We translate international credit data into a U.S.-equivalent score and report in a format familiar to American underwriters, who use it to evaluate applications for credit products. Founded by immigrants, we have a diverse team from around the globe who are creating a world beyond borders to help newcomers arrive and thrive.

Our Mission

We strive to enable the flow of humans not just for their economic potential, but because of the value of that movement itself in bringing new perspectives, creativity, community, and innovation. For Nova Credit, we are here to dream up a world beyond borders and our mission is to inspire and facilitate the flow of human diversity.

The modern world as we know it has been created through the movement and collaboration of humans. Across changing borders, regions, and cultures, a continuous cycle of human migration and settlement is what defines us as different nations, composes our family histories, and shapes our personal stories.

What problem is Nova Credit solving?

All newcomers to the U.S. are rendered “credit invisible” upon arrival because American underwriters can’t access international credit data. Even if they have a good credit rating at their prior home countries, recent immigrants often struggle to accomplish the most basic tasks such as getting an apartment lease, a cell phone plan, credit card or student loan. Before Nova Credit translated international credit data to a U.S.-equivalent score, all newcomers had to build their U.S. credit history back to its previous levels from scratch, which can take as long as five years.

What is Nova Credit’s innovation?

Nova Credit’s core innovation is a U.S.-equivalent global credit scoring and reporting format, the Credit Passport®. Similar to a U.S. credit report, it contains a FICO-equivalent score, tradelines and inquiry history, allowing consumers who have recently arrived in the U.S. to attempt to demonstrate their creditworthiness to lenders. Partners like American Express, MPOWER Financing and Yardi can seamlessly underwrite qualifying newcomers without a U.S. credit score using Nova Credit. The solution requires consumer consent.For most countries, Nova Credit aligns the country-of-origin credit score to U.S. credit risk levels by matching the default rates. For example, a score of 1050 in the originating country that represents a default rate of 3% might equate to a score of 710 at the same default rate in the U.S. In that case the consumer’s score is adjusted to 710 for U.S. underwriting purposes.

By using NovaConnect, businesses can get access to key credit data including:

U.S.-equivalent credit score
Credit-seeking inquiries
Aggregate risk attributes
Tradelines and payment history
Additional data such as employment history and more
Learn about partnering with Nova Credit

Our employees

Nova Credit’s workforce embodies our mission to inspire and facilitate the flow of human diversity. In late 2019, 71% of our workforce is composed of immigrants to the U.S., with 41% identifying as first-generation, nearly all of whom speak English as a second language. Just under half of our employees are female.

Akinyi
Akinyi

Marketing

Albert
Albert

SEO

Annie
Annie

Engineering

Ben
Ben

Product

Betsy
Betsy

Customer Success

Cameron
Cameron

Engineering

Collin
Collin

Business Development

Cynthia
Cynthia

International Partnerships

Damira
Damira

Legal

Dan
Dan

Business Development

Dave
Dave

Engineering

Doug
Doug

Engineering

Erica
Erica

Compliance

Eugenio
Eugenio

Engineering

Gustavo
Gustavo

Engineering

Ian
Ian

Engineering

James
James

Engineering

James
James

Engineering

Jessica
Jessica

Executive Assistant

Jinting
Jinting

Engineering

Jonathan
Jonathan

Engineering

Karina
Karina

Talent

Kevin
Kevin

Engineering

Kevin
Kevin

Marketing

Kim
Kim

Customer Success

Maureen
Maureen

Data Analytics

Michelle
Michelle

Customer Success

Mike
Mike

Engineering

Misha
Misha

Co-Founder & CEO

Nicky
Nicky

Co-Founder & COO

Nonita
Nonita

Business Development

Perry
Perry

Business Development

Peter
Peter

Business Development

Peter
Peter

Product

Robert
Robert

Engineering

Sarah
Sarah

Risk & Analytics

Scott
Scott

Engineering

Shubhi
Shubhi

Customer Success

Stephanie
Stephanie

Communications & Brand

Sumeet
Sumeet

Legal

Tatyana
Tatyana

Engineering

Yichen
Yichen

International Partnerships

Zak
Zak

Engineering