Nova Credit Website

November 7, 2019

How to start building credit at age 18

Establishing credit takes time, but starting early also teaches you valuable lifelong lessons such as managing debt and finances.

November 13, 2019

The danger of inactive credit cards

If you have inactive credit cards, your credit score may suffer. In fact, credit files can completely disappear when credit card accounts have been inactive for several years.

November 14, 2019

Who should (and who shouldn’t) get the Amex Platinum Card?

American Express is one of the most popular card issuers due to the considerable rewards offered by its wide variety of cards. Below, we provide a guide to one of the most popular cards the Amex Platinum card.

November 13, 2019

What’s the difference? Principal vs. interest

Two common terms often used in the world of banking and personal finance are principal and interest. We explain the difference between the two and apply these concepts.

November 14, 2019

The best credit cards for people with no credit history

Getting a credit card can be difficult when you’ve recently moved to the U.S. and don’t have a local credit history. So we made a list of great credit cards that you can get without a U.S. credit history.

October 25, 2019

How to apply for an American Express card with your international credit history

Crossing the border used to mean losing the credit history you built at home, but you can now apply for a card with your international credit card through our partnership between American Express.

October 31, 2019

No U.S. credit history? No problem if you want to apply for a credit card

Building a U.S. credit history is important for anyone who’s recently moved to the U.S. because a good credit score is required to do basic tasks like rent an apartment, lease a car and get a cell phone plan.

October 31, 2019

How to get a credit score without a Social Security number

While a social security number is an identifier that credit bureaus use to locate and collect your information, it’s only one of several identifiers.

October 31, 2019

Is no credit better than bad credit?

Are you more likely to get approved if your credit history doesn’t exist or if your credit score is poor? We discuss which is worse: bad credit or no credit.

October 31, 2019

What is a credit reference? Definitions and examples

Credit references are documents that show the credit history of loan applicants and are also often used to support rental applications.

October 31, 2019

The benefits of having good credit

Credit scores can have a big impact on quality of life. In the United States, a good credit history has numerous benefits.

November 14, 2019

Why credit scores matter – can you be denied a job because of bad credit?

Employers consider many factors when they are considering applicants, which often include credit scores.

November 14, 2019

How to apply for a credit card without a Social Security number

Don't have an SSN yet? Several card issuers allow you to apply for a credit card with no Social Security Number. This is a complete guide on how to get credit cards without an SSN.

November 15, 2019

How to get a credit score after moving to the U.S.

We showcase real stories of people who newly arrived in the U.S. and how they built their credit scores, and give advice on how you can skip these steps all together if you only want a credit card.

November 15, 2019

How to use your international credit report to get credit in the U.S.

Newcomers to the United States used to have to build credit from scratch — now they can transfer their international credit report to the U.S. to apply for credit cards, loans, housing and more.

November 14, 2019

How to build credit in the U.S.

If you recently moved to the United States for school, work or family, you will face all the joys but also the tribulations of relocation

October 31, 2019

What is a good credit score?

Getting a good credit score can take time, especially if you just moved to the U.S. — but it’s not an impossible task.

November 15, 2019

Best credit cards for non-U.S. citizens

Whether you’re temporarily moving to the U.S. for school or work, or making a long-term transition, you may be looking to open a new credit card

October 31, 2019

What is a secured credit card?

A secured credit card looks and works just like an unsecured credit card. However, secured credit cards are created for people who are new to credit or working to rebuild their credit