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Newcomers arriving in the U.S. now drive more than 50% of U.S. population growth. Yet lack of domestic credit history means millions of recent arrivals appear only as no-file or thin-file when applying for financial services. Nova Credit helps lenders access global consumer credit bureau data to acquire millions of these newcomers with no additional risk.
Nova Credit provides lenders with consumer credit data that is translated to a U.S.-equivalent score and reports it in a format that is familiar to American underwriters. We deliver this information seamlessly to enable instant decisioning for our clients, including major U.S. financial institutions, consumer lenders, telecom companies and tenant screening platforms. Nova Credit operates as a reseller Consumer Reporting Agency (CRA) under the U.S. Fair Credit Reporting Act (FCRA).
Applicants provide their information directly through our customizable widget, NovaConnect, to retrieve their international credit report. Applicants access NovaConnect directly from your application page, or you can invite them individually from your Nova Dashboard account.
Nova Credit’s API offers a seamless integration into any decisioning system. The raw data can be instantly ingested and decisioned upon in real-time.
Our simple, composable API that is battle-tested for scale across lending, tenant screening and more.
The Nova Credit dashboard is a self-serve platform to receive, process, and manage the reports of international applicants. Simply log in and immediately invite applicants to complete the NovaConnect flow.
Note that there is no technical integration required; this is a light-touch model for Nova Credit to deliver business value within minutes.
Data privacy, information security, and compliance are at the heart of everything we do at Nova Credit – from our hiring decisions to our systems infrastructure and architecture to our internal governance policies.
Nova conducts an annual independent audit against the SOC 2 Type 2 and ISO 27001 standards. Both certifications are in good standing.
A collection of frequently asked regulatory and compliance questions by our customers and partners.
Nova accesses credit data from international markets based on the express consent of the consumer. Through our integrations with international credit bureaus across the globe, we are able to act as a technology service provider to obtain and deliver the information at their request. In the U.S., Nova is considered a reseller consumer reporting agency under the Fair Credit Reporting Act (FCRA), subject to various federal and state laws, including the FCRA and state data protection laws.
The Fair Credit Reporting Act (FCRA) and international privacy laws provide consumers with an opportunity to dispute information in their credit histories that may be inaccurate, incomplete or otherwise incorrect. We care about resolving these issues as efficiently as possible. For more information about our dispute resolution process, please see our Disputes Page.
Data privacy, information security, and compliance are at the heart of everything we do at Nova Credit. Nova employs organizational, technical and physical measures to protect security, confidentiality and integrity of customer information. These safeguards include:
AWS-managed disk-level encryption of our report database using AES-256 algorithms and TLS 1.2 standard encryption for data in transit
Internal and external vulnerability scans
Contact Nova Credit today and unlock newcomer consumers by retrieving international credit data from the leading credit bureaus around the world.