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Nova Credit

http://novacredit.com

Nova Credit is a leading consumer credit bureau - connecting consumers and lenders with trusted data and analytics where the traditional credit system falls short. Partners like American Express, SoFi, Verizon, Yardi, Westlake, and other lenders work with Nova Credit to better underwrite and verify underserved consumers.

See how it works

Customer testimonial

It's challenging to underwrite an applicant without knowing their credit history and the absence of a credit identity can make significant transactions, like getting a credit card, very difficult. Nova Credit's Credit Passport® helps American Express give people access to their international credit data so that they can arrive and thrive in this country.

Sara Milsten, Senior Vice President, New Member Acquisition, U.S. Consumer Services at American Express

Products

Traditional Credit Data

Credit Passport®

Credit Passport® is a consumer-permissioned, FCRA consumer report for lenders to assess creditworthiness of U.S. newcomers by accessing international credit data that is standardized to a format familiar for U.S. underwriters.

Lenders can access over two billion consumer-permissioned credit records in over 20 countries to increase originations, lower portfolio risk, and build lasting brand loyalty from a highly qualified population.

Traditional Credit Data

Credit Passport®

Credit Passport® is a consumer-permissioned, FCRA consumer report for lenders to assess creditworthiness of U.S. newcomers by accessing international credit data that is standardized to a format familiar for U.S. underwriters.

Lenders can access over two billion consumer-permissioned credit records in over 20 countries to increase originations, lower portfolio risk, and build lasting brand loyalty from a highly qualified population.

Novacaredit 1 screenshot 1
Manage consumer consent with multiple integration options, including with NovaConnect.
Novacredit 1 screenshot 2
International credit data is standardized to a format familiar and usable for U.S. underwriters.
Alternative Credit Data

Cash Atlas™

Cash Atlas™ transforms cash flow data into an FCRA consumer report delivered via API that requires minimal technical resources to integrate into underwriting platforms.

Lenders can approve more loans, reduce losses, and predict risk on a larger population than with a standalone credit score. With attributes individually proven to predict risk, Cash Atlas™ adds a new dimension to underwriting strategies by measuring consumer affordability.

Cash Atlas Attributes Viewer
Bank data is categorized and transformed into 1,000+ performance-tested attributes to use in credit decisioning

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