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Renting an apartment without a U.S. credit score can be hard, and often requires an increased deposit. We work with a number of tenant screening platforms to help you use your credit from another country. Ask your landlord if they use Yardi, Intellirent, or First Advantage to evaluate your rental application. Questions? Send us an email at help@novacredit.com.
International students often can’t finance their degrees through banks. Use your international credit to apply for a loan for your U.S. studies with MPOWER Financing.
You can now use Nova Credit to access your international credit history and apply for a post-paid plans with a major U.S. cell phone company in selected cities. Feel free to send questions to help@novacredit.com.
Many of 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.
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On American Express' card application form, click the checkbox that indicates you have foreign credit history next to the Social Security Number field.
When you successfully use Nova Credit in your application, we will translate your international credit data and send it to the lender so that they can better evaluate your application.
If you are approved by American Express, you will receive your card and can start building U.S. credit history. Using your card and paying bills on time can help create good credit history.
Need more help? Read our guide on How to apply for an American Express Card with your international history or send us a message.
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Moving to a new country means setting up a new life. Nova Credit partners with many companies offering products that can serve people who have recently move to the U.S.
See all Newcomer ProductsLive in the home that you deserve to live in
Get better financing options for your new phone
Apply for a loan with favorable interest terms
From Los Angeles to New York, we’ve got you covered. Explore our guides for newcomers that can help you learn everything from the in’s and out’s of American healthcare to navigating the school system, guides to American credit, visa processes and more.
Unfortunately, we cannot transfer your international credit report to a U.S. credit bureau in the U.S. Nova Credit is used to find credit reports in international credit bureaus and send them to U.S. lenders directly. These lenders have to be partners of Nova Credit in order to accept these translated credit reports in their applications.
Today, American Express is the only large U.S. credit card issuer that accepts international credit data through Nova Credit. American Express currently accepts credit history from Australia, Canada, India, Mexico and the UK. We’re working hard on enabling them to use more countries, and enabling other banks to use Nova Credit as well! For updates, please subscribe to our newsletter.
This depends on the credit products you apply for. For American Express Personal Credit Cards you do not need a U.S. SSN or ITIN but you do need a U.S. Address. For our other partners SSN and / or ITIN may be required. Note that for American Express Personal Credit Cards Nova Credit is available to newcomers from Australia, Canada, India, Mexico and the UK.
Using Nova Credit does not negatively impact your U.S. credit score. In fact, Nova Credit may help you create a first time U.S. credit file and U.S. credit score by virtue of using a credit product that was issued to you from our partners after using Nova Credit. Special case: if you're from Mexico, using Nova Credit could result in a hard inquiry and impact your Mexican credit score.
The best advice on moving to the U.S. with guides for those preparing for the move and newcomers.
