Nova Credit is a credit infrastructure and analytics company founded in 2016, headquartered in the United States with a global reach. The firm aggregates credit bureau data, bank transaction information, and payroll data to help lenders and businesses assess borrowers and expand access to the financial system. Its work spans financial services, lending, and affordable housing sectors.
The company's product suite addresses distinct parts of the credit assessment process. Credit Passport®, described as the world's first and only cross-border credit reporting system, enables newcomers to the United States to use their international credit history when applying for financial services. Cash Atlas™ offers lenders real-time visibility into consumers' financial health through bank transaction data, while Income Navigator™ provides automated income and employment verification. The Nova Platform combines multiple data sources to serve broader consumer segments, and Eligibility Compass™ applies data-driven methods to affordable housing access.
Core technical domains include data aggregation, credit analytics, cash flow underwriting, income and employment verification, and cross-border credit reporting. Nova Credit serves millions of people and states a mission to power a fair and inclusive financial system.
