Nova Credit

Nova Credit is a consumer reporting agency regulated by the U.S. Fair Credit Reporting Act (FCRA). It integrates multiple sources of credit and financial data via a technology platform to provide unified credit assessment solutions for financial institutions, primarily helping serve newly arrived immigrants and other consumers with limited U.S. credit histories.

Credit Passport® is the flagship product: it standardizes and converts overseas credit records from more than a dozen countries — including Australia, Canada, India, Mexico and the UK — into equivalent credit reports and scores that U.S. financial institutions can recognize and use.

The platform also offers Cash Atlas™ for cash-flow data analysis and Income Navigator for automated income verification, using bank transactions, payroll and other data sources to provide broader financial insights for lending decisions.

Clients include banks, fintech companies, lenders, tenant screening firms and telecom providers. Notable partners have included HSBC, SoFi and Scotiabank.

For new immigrants, international students and others lacking U.S. credit history, Nova Credit can make their overseas credit records visible to U.S. financial institutions, helping them apply for credit cards, loans, rental housing or telecom services.

As a consumer reporting agency operating in the U.S., Nova Credit states that its credit reports comply with the U.S. Fair Credit Reporting Act (FCRA) and that it handles related data disputes.

The platform provides scalable integration options such as APIs, designed to help enterprise clients shorten deployment time and embed credit-data solutions into existing lending workflows.

Yes. The platform aggregates and processes multi-source data provided with consumer authorization, including international credit records and bank data.