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 to widen access to the financial system. The company's engineering work spans credit data aggregation and infrastructure, data analytics, cash flow underwriting, automated income and employment verification, cross-border credit data integration and alternative data analytics. It operates in the United States and across international borders, drawing on credit data from customers around the world.

Its product suite includes Credit Passport®, described as the world's first and only cross-border credit reporting system, which allows newcomers to the United States to use their international credit history when applying for financial services. Cash Atlas™ provides lenders with real-time visibility into consumers' financial health through bank transaction data, while Income Navigator™ automates income and employment verification. Eligibility Compass™ applies the same data-driven approach to affordable housing access, and the Nova Platform combines new data sources to serve new consumer segments.

Nova Credit reports that millions of people have gained access to the financial system through its products. Its customers include institutions such as Chase, HSBC and Scotiabank, and it serves verticals including banking, lending, consumer and mortgage credit, financial services and affordable housing. The company describes its mission as powering a fair and inclusive financial system, with a particular focus on people who are locked out of traditional credit systems.