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:
More Ways to
More Ways to Reach New Consumers
Access trusted, consumer-permissioned financial data to unlock new consumer segments — all while maintaining your risk profile.
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.
More Ways to Reduce Portfolio Risk
Prevent fraud with source-based data and improve risk assessments with true income and more accurate debt-to-income ratios.
More Ways to Automate Income Verification
Automate income verification processes with more data sources to increase coverage, improve completion rates, and reduce fraud.
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.”
Faye Li | Vice President, Risk Management
Why Businesses Choose Nova Credit
26
Data sources across traditional credit bureau, bank data aggregators, payroll systems, and others.
7k+
Serving more than seven thousand customers worldwide.
$10Bn+
Credit value unlocked for consumers.
Consumer Reporting Agency (CRA) Compliance
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 Go Live
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.
Whitepaper Report
Cash Flow Underwriting: A Practical Credit Risk Implementation Guide for Lenders
Leading lenders are already using cash flow data to transform their business through smarter pricing, market growth, and portfolio management. This report shows you exactly how to integrate cash flow analysis into your lending operations, with actionable insights backed by original research and industry expertise.
Case study
How American Express Expanded Its Credit Card Market to U.S. Newcomers
American Express accounts approved using Credit Passport® are more than 79% less risky (less likely to be 90+ days past due in 12 months) than domestic account holders with prime credit scores.
Case study
Creating a True Picture of Income Using Bank Transaction Data
How SoFi leveraged Nova Credit to verify customer income with greater efficiency
Explore the Future of Consumer Credit Today
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