It used to be that a newcomer to the United States couldn’t “bring” their credit report or credit score with them. Even for someone with extensive credit in their home country, a recent arrival would have to take on the onerous task of building her US credit history from scratch for multiple years.

Of course, the only way to build a credit history in the US is to get approved for credit, which can seem nearly impossible for someone who’s just moved. Not having credit is especially daunting when you’re trying to get settled with an apartment or a car lease or a credit card, and this can be compounded by not yet having a social security number. In practice, people who move across borders often end up having to get secured or other credit products geared towards those building or rebuilding credit.

The underlying issue is banks and credit bureaus don't have the technology to accommodate different credit scoring and credit monitoring models, or credit systems from around the world.

New: Transfer Your Credit History to the U.S.

Here’s the good news: recent innovations in financial technology and compliance make the process of establishing yourself in the States much less difficult than it used to be. Nova Credit’s technology connects to the top global consumer credit bureaus internationally to bring your credit to the U.S. We call this the Credit Passport®.

Essentially we move credit reports from countries like Australia, Brazil, Canada, China, India, Mexico, South Korea, the U.K. and other countries into equivalent reports for U.S. lenders. That way, you can use your international credit file to apply for U.S. loans, apartments, and more. Effectively, Nova Credit serves as an enabler to “yes”, and lenders are able to serve a new customer segment - you!

How to Apply for Credit Cards Using Nova Credit

Nova Credit's partners accept foreign credit histories and incorporate Nova Credit directly into their application process. Interacting with Nova Credit’s technology is simple. Within the application, you will be directed to NovaConnect, an interface where we help you access your credit report in the credit bureau from your prior home country. Nova Credit then takes on the task of translating and transferring your international credit data to businesses to get you the credit you’ve earned. Nova Credit is free to applicants when applying for credit cards, as we charge our business partners for our service!

Find all credit cards that are best suitable for you today:


What Happens Once You Get Approved for Your First U.S. Credit Card

Typically, after you obtain your first U.S. credit line, you will start building a credit history at one or more of the three major U.S. bureaus: Experian, Equifax and Transunion. All of Nova Credit's lending partners report credit performance to at least one of these credit bureaus.

Unfortunately, your global credit does not get reported directly into the U.S., and so building your U.S. credit history will still take some time.

What's included in your Nova Credit Passport®?

You can see an example on our Product page. Your Credit Passport® typically contains your score translated to a U.S. equivalent range, credit card or loan performance information (e.g., monthly payment history), certain public records information, and other data entries. Our model is people-first, and based on consumer consent.  We only transfer your data when you ask us to, and we always offer you a copy of your data along the way via a secure link. Our goal is to empower you to build your own Credit Passport® that you use whenever you move.