Nova Credit

Nova Credit is a credit infrastructure and analytics company founded in 2016. It aggregates global credit bureau data, bank transaction information, payroll data and other sources to help lenders and businesses assess borrowers and extend access to the financial system. The company operates in the United States and handles cross-border credit data globally, serving customers across financial services, lending, banking, affordable housing and credit reporting.

Its product suite spans several distinct data problems. Credit Passport® is described as the world's first and only cross-border credit reporting system, allowing newcomers to the U.S. to use their international credit history when applying for financial services. Cash Atlas™ is a cash flow underwriting platform built on bank transaction data, giving lenders real-time visibility into consumers' financial health. Income Navigator™ automates income and employment verification, and Eligibility Compass™ applies a data-driven approach to affordable housing access. The Nova Platform combines new data sources to serve additional consumer segments.

Technical work at the company covers credit data aggregation, cross-border credit reporting, cash flow underwriting, income and employment verification, data analytics and financial data infrastructure. Nova Credit reports having unlocked millions of people from traditional credit systems and states a mission of powering a fair and inclusive financial system.