Nova Credit is a credit infrastructure and analytics company founded in 2016. It aggregates global credit bureau data, bank transaction information, payroll data and more to help lenders and businesses underwrite borrowers and unlock access to financial systems. The company is headquartered in the United States, with products that operate globally, including cross-border credit reporting.
The company's technical work spans credit analytics, data aggregation, cash flow underwriting, income and employment verification, and data-driven eligibility assessment. Its product suite includes Credit Passport®, described as the world's first and only cross-border credit reporting system, which enables newcomers to use their international credit history when applying for U.S. financial services. The Nova Platform broadens this offering by combining new data sources to serve additional consumer segments. Other products include Cash Atlas™ for real-time cash flow underwriting, Income Navigator™ for automated income and employment verification, and Eligibility Compass™ for affordable housing access.
Nova Credit's clients include leading institutions such as Chase, HSBC, and Scotiabank. The company states its mission is to power a fair and inclusive financial system, and reports that millions of people have unlocked access to the financial system through its services. Its work primarily serves the financial services, lending, and affordable housing sectors.
