Welcome global consumers with a unified credit system
Approximately 2 million newcomers arrive in the United States each year. Credit Passport® enables you access consumer-permissioned international credit data to lend to this underserved market and build loyal customers for life.





How Credit Passport® works
Create a fully branded API experience for your newcomers. With a few simple steps, their international credit report is instantly translated to an equivalent U.S. credit score, tradelines, risk attributes, and other pertinent financial information.

Why Credit Passport®
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Increase originations profitability with confidence
On average, newcomers who use Credit Passport® have at least an equivalent prime credit score compared to American consumers.
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Improve risk assessment for newcomers
International credit data translated to a U.S. equivalent format helps lenders better assess credit risk for consumers with little to no U.S. credit history.
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Build lasting brand loyalty
Financial inclusion initiatives improve brand equity for consumers looking for financial products and services.
For many industries
We empower banks, credit unions, and lenders to make informed financial decisions.
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Financial Institutions
Banks, credit unions, and fintechs can provide access to credit cards, student loans, personal loans, and more with competitive terms.
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Rental Screening
Property managers can improve the tenant screening process and run credit checks on newcomers to minimize risk.
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Auto Loans
Direct and indirect loan companies can extend the reach of auto financing.
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Telecommunications
Communications companies can offer post-paid telecom plans and services.
Consumer-Permissioned Data
Manage consumer consent to access credit data in the consumer’s home country with multiple ways to connect:
- NovaConnect: A conversion-optimized module embedded seamlessly in digital applications
- NovaDashboard: A UI for lenders to send invites to consumers to provide their foreign credit report
- Connect API: An endpoint to build custom consumer-permissioning modules

Credit Passport® Reports
International credit data is standardized to a format familiar and usable for U.S. underwriters:
- U.S. equivalent credit score
- Tradelines and payment history
- Credit-seeking inquiries
- Aggregate risk attributes
- Additional data such as employment history and more
- FCRA consumer report with adverse action codes and dispute resolution management

Global Supply Relationships
Access for up to 2 billion credit records in more than 20 countries with relationships and integrations with international credit bureaus, including:
- TransUnion
- Equifax
- Experian
- CRIF
- CreditInfo

Let's Talk!
Submit your information to have a member of our team contact you.