Dispute Resolution

How to get a copy of your Nova Credit Report and dispute inaccurate information

How do I get a copy of my Nova Credit Report?

To receive a copy of your Nova Credit Report, please complete this form and provide the requested identity verification documentation. It is important that you follow the instructions carefully and provide all requested documentation for us to locate your credit report and process your request.

Do you believe there are errors on your Nova Credit Report?

Inaccurate, negative information may lower your credit score and may indicate fraudulent activity. We recommend you dispute any inaccurate, incomplete, outdated or unverifiable information in your credit report as soon as you spot it.

How do I correct information on my Nova Credit Report?

If you believe information in your Nova Credit Report is inaccurate, incomplete or otherwise incorrect, you can initiate a dispute with Nova Credit by downloading and submitting our Dispute Request Form.

Alternatively, you can initiate a dispute directly with our foreign data provider. Because your credit information is originally provided by a foreign credit bureau you can contact them directly at any point. Contact information for our bureau partners can be found here.

To initiate a dispute with Nova Credit, please mail your dispute request to Nova Credit, along with any supporting document(s), to:

Nova Credit Inc.
Attn: Consumer Disputes
PO Box 77188
San Francisco, CA 94107

Provided that we have your foreign credit file on record, we will initiate an investigation upon receipt of your request. In most cases, because Nova receives credit data from our foreign data partners, we will refer your request for investigation to the relevant foreign bureau. You may need to provide additional information to the foreign bureau for them to resolve the dispute. We will provide you with information about what you may need to provide to correct information on your report and how best to submit this to the foreign bureaus.

We care about resolving these issues as efficiently as possible. We process all disputes filed with us within 30 days unless applicable law permits us more time and will send you a copy of your updated report if any corrections were made as a result of your request to us.

Please note any information that is verified as accurate will not be removed from your report. If the investigation does not resolve the dispute, the relevant foreign bureau provider may instruct you regarding your option to make a statement of dispute on your report.

If you have any general questions, feel free to contact us at help@novacredit.com. Please do not send us any sensitive personal information or dispute documentation by email.