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.

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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^®

Increase originations profitability with confidence

On average, newcomers who use Credit Passport^® have at least an equivalent prime credit score compared to American consumers.
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.
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.

Financial Institutions

Banks, credit unions, and fintechs can provide access to credit cards, student loans, personal loans, and more with competitive terms.
Rental Screening

Property managers can improve the tenant screening process and run credit checks on newcomers to minimize risk.
Auto Loans

Direct and indirect loan companies can extend the reach of auto financing.
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