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Nova Credit

http://novacredit.com

Nova Credit enables responsible business growth through alternative credit data. As a CRA, it leverages unique data infrastructure to help lenders bridge traditional credit gaps. The company transforms fragmented consumer financial data into compliant risk analytics, increasing conversion via expanded coverage and reliability. Partners like Yardi, HSBC, and SoFi use solutions like Cash Atlas™, Income Navigator, and Credit Passport®.

See how it works

Customer testimonial

Opening up a world of opportunity sits at the core of HSBC’s purpose and we’re always passionate about identifying new ways to solve problems faced by our international customers… Accessing credit in a new market can be a challenge… We're excited to be partnering with Nova Credit to improve our ability to do this even more, with its innovative digital Credit Passport [Nova Passport].

Taylan Turan, Group Head of Retail Banking and Strategy, Wealth and Personal Banking

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.
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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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