Advertiser Disclosure

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.

Unlock millions of new customers

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.

PRODUCT FEATURES

Introducing the Credit Passport®

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).

Integration OPtions

Two ways to integrate

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.

OPtion 1

Integrate Nova Connect into your system

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.

OPtion 2

Dashboard for no-integration solution

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.

Secure

Security and data privacy

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.

Compliance

Nova Credit and compliance

A collection of frequently asked regulatory and compliance questions by our customers and partners.

What is Nova Credit's legal structure?

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.

How does Nova Credit handle consumer disputes?

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.

How does Nova Credit address the security of consumer information?

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

  • Annual independent audit against the SOC 2 Type 2 and ISO 27001 standards. Both certifications are in good standing
  • Regular company-wide training
  • Robust monitoring and testing for security vulnerabilities
  • Role-based access controls
  • 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 us

Contact Nova Credit today and unlock newcomer consumers by retrieving international credit data from the leading credit bureaus around the world.

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