Solutions by Use Case
More Ways to Say Yes
Confidently approve more applicants using our suite of credit analytics tools
Reach New Consumers
Achieve aggressive growth goals with trusted data
Access to new and reliable financial data enables you to open new consumer segments, offer new products, and create loyal customers for life — all while maintaining your risk profile.
![](http://images.ctfassets.net/6bj3xgxxnl0k/2P7mRRVwJCHnkJijCQUBSH/d0500cf644eb42799d425689e4662a25/New_Customers_Icon_Web.png?fm=webp)
Partners using these solutions
![American Express](http://images.ctfassets.net/6bj3xgxxnl0k/7pTE2qmmrmoSWcJ7FJO5vX/779184d806c756643f9db129fa038be5/Amex_Logo_Stacked_Black_Web_.png)
Solutions
International credit data
Credit Passport® gives you access to foreign consumer-permissioned credit data that’s translated to a local equivalent score to serve the 2 million immigrants that arrive in the United States each year and 280 million immigrants worldwide.
Cash flow underwriting
Using Cash Atlas™ on top of your traditional underwriting strategy helps you open new consumer segments with additional risk insights.
Looking to understand how incorporating Cash Atlas™ into your underwriting strategies can impact your business? We’ll help you create custom analytics so you can build the confidence your organization needs to make the shift.
Income verification
Automating your income verification processes with Income Navigator increases applicant conversion rates, reduces the manual intervention needed to review document uploads, and improves accuracy of debt-to-income ratio and true income.
Why work with us
75%
less risky than domestic accounts
American Express accounts approved using the Credit Passport® are more than 75% less risky than domestic account holders with prime credit scores.
See our Amex case study
Fair Credit Reporting Act (FCRA) consumer report
Nova Credit accesses consumer-permissioned data through integrations with international credit bureaus and through aggregators of checking and savings account data in the United States. Businesses can approve, decline, and send adverse action notices, while Nova Credit manages disputes. Nova Credit operates as a consumer reporting agency under the FCRA.
Speed to implementation
Our consumer-permissioned risk data can be implemented 9-12 months faster than custom in-house alternatives that require high resourcing costs to build international bureau partnerships, data categorization, or attributes based on bank transaction data.
Data coverage
Nova Credit works with credit bureaus in over a dozen countries, and our data aggregators cover over 90% of U.S. banks. That means our incremental credit risk data comes from the most comprehensive dataset.
Flexible integration options
Our agile infrastructure minimizes consumer friction while you incorporate consumer-permissioned data into your underwriting strategies.
We're able to remove a barrier for the millions of newcomers to the U.S. who arrive each year and instantly lose access to the credit history they built elsewhere.”
Daisy Gao | Vice President, Risk Management, Head of US Consumer New Accounts Underwriting
![](http://images.ctfassets.net/6bj3xgxxnl0k/7pTE2qmmrmoSWcJ7FJO5vX/779184d806c756643f9db129fa038be5/Amex_Logo_Stacked_Black_Web_.png?fm=webp)
Multi-Source Data Orchestration
Lower customer acquisition costs
Minimize acquisition costs by optimizing your funnel conversion rate. Consumer-permissioned data gives you the confidence to approve more of the people that you’ve already attracted to your product offering.
![](http://images.ctfassets.net/6bj3xgxxnl0k/6Xif7X0hUbWdXO6fxGLUr/c5e78ace33b4324b10d8717857ad2354/Orchestrate_Data_Icon_Web.png?fm=webp)
Solutions
Cash flow underwriting
Say yes to more of the consumers in your funnel by layering risk insights from Cash Atlas™ on top of your traditional underwriting strategy.
Looking to learn how Cash Atlas™ can impact your business? We’ll help you generate a validation study so you can build the confidence your organization needs to make the shift.
Income verification
Income Navigator offers a seamless income verification solution that helps increase applicant conversion rates, reduce manual intervention to review document uploads, and improve visibility into debt-to-income ratio and true income.
Why Work with Us
Fair Credit Reporting Act (FCRA) consumer report
Nova Credit accesses consumer-permissioned data through integrations with international credit bureaus and through aggregators of checking and savings account data in the United States. Businesses can approve, decline, and send adverse action notices, while Nova Credit manages disputes. Nova Credit operates as a consumer reporting agency under the FCRA.
Speed to implementation
Our consumer-permissioned risk data can be implemented 9-12 months faster than custom in-house alternatives that require high resourcing costs to build international bureau partnerships, data categorization, or attributes based on bank transaction data.
Proven risk prediction
Leverage a platform that’s purpose-built for credit risk decisioning. Consumer-permissioned data provides rich, reliable insights on consumers who don’t have traditional credit history in the U.S.
Flexible integration options
Our agile infrastructure minimizes consumer friction while you incorporate consumer-permissioned data into your underwriting strategies.