Nova Credit Arvostelua 

Absolute joke of a company. You can give them your 1099 and they will still ask for your income and bank information. For Self-employed people they don’t accept cash or business account as verifiable income. Shady and ridiculous time-consuming process. Emails every three hours asking you to connect your bank account. Joke of a Company.

Nova Credit emailed me the same day of my application to finish my application process. I was very impressed!

had a deeply unsatisfactory experience with Nova Credit that has left me questioning their credibility. The application process was unnecessarily complicated, with an insistence on providing sensitive banking credentials that made me uncomfortable. My past experience with data breaches only heightened my concerns, but Nova Credit seemed uninterested in accommodating these legitimate fears.
Communication with Nova Credit was frustratingly poor. Attempting to reach them by phone proved impossible, and the lack of direct email support forced me to submit online tickets instead, which did little to resolve my issues. This lack of transparency is disconcerting and raises serious questions about their customer service approach.
Further, despite providing multiple documents, there was no verification process with my previous landlord or supervisor, making me suspect that Nova Credit relies on an automated system rather than thorough human verification. Such practices are deeply unsettling and do not inspire trust in their operations.
In summary, my experience with Nova Credit was marked by a lack of communication, questionable data handling practices, and an overall impression of a company that prioritizes automation over customer assurance. I cannot recommend their services based on the issues I encountered.

I had to use Nova Credit in order to get approved for an apartment and the process is super shady. They send you an email to confirm your income but want you to link your bank account by inputting your online login for said bank. Sorry but no one with any sense of security is going to just casually hand out their bank information. I don't care how secure they say they are. I was able to get around an upload a paystub, however, the property informed me that additional information was needed to confirm my salary, as it it doesn't state on the paystub. After finally getting through that process, the system proceeds to send me an automated email every 3 hours or so telling me to confirm my income when I already did. To summarize, you have a company stating they want to confirm your income by giving them your bank information and if you don't, they proceed to spam you with emails asking you to do so.

A joke there responding time sucks I’ve contacted them multiple times with the same issue they say my paystub is submitted but the company’s that requested them say they can’t see it nova team continues to tell me it’s no issues but they don’t check follow up with you or the party that payed contacted I’ve submitted my paystub multiple times talked to there team multiple times no company should ever go through them they don’t care for there jobs and it shows

I supplied a physical copy of my 1099 to verify my income. They then sent me an email requesting that I grant them full and unlimited access to my checking account to verify my income. What a joke. Are these people nuts? First of all, they don’t need access to my checking account to verify my income. I already gave them the physical copy of my annual 1099R.

I used Nova Credit when applying for an apartment lease. The platform doesn’t take into account self employed business owners. Very clunky process and you can tell that the apartment managers have a lot of trouble with the platform after many back and forth calls.

Mediocre! Nova Credits are only supported by Amex, who already let you transfer your creditscore in 2 ways without nova credit! Namely, by filling in your own foreign credit card number on the website when signing up and by using the global transfer program! Then you can also already build credit with the capitol one quicksilver secured creditcard!
Then Verizon‘s deal of 80 dollar per month 5G isn’t exactly cheap!
Then you can never use nova credit to ever get a mortgage!

I’m a Canadian moving to the US for work (in the process of getting a SSN). There’s a heck of a lot to do when moving, but getting a credit card turns out to be simple. I used Nova Credit to translate my Canadian Transunion credit score of 829 to a report that Amex understood. It was accepted, and Amex also required proof of address from my US bank. After that was provided, it approved me for the Amex Blue Cash Everyday credit card with $2000 credit limit. It’s not bad considering that I have no credit history in the US, and I’m happy to start building one.

Got my first credit card in USA with out having SSN using foreign credit score Which is a great advantage for students who don’t have SSN.

I moved from India and had a good credit score. Using Nova Credit, I was able to get my first American Express credit card with a very good credit limit to kick start my credit building journey (and cashback) in US

Like everyone else here I found myself emigrated to the US. I have a perfect UK credit rating and no credit rating in the US. As a 39 year old with a wife, a baby on the way, who had a mortgage, a car, a motorcycle and a comfortable life in the UK arriving in the US having access to nothing its extremely difficult and demoralising.

Faced with no credit history and therefore no way to obtain credit I found Nova Credit. It seemed dubious. It felt like a big risk - the last thing I wanted to do was fail an application and start my US journey off on an even worse position.

But it worked great - I got accepted with American express within 30 minutes of applying online. The application itself was direct with Amex which made me feel better about Nova Credit (as did reviews here).

Some advice:

Make sure you select the checkbox that says "I do not have a US credit history", this is what triggers the Nova credit search on the 3rd application screen.

The application could not be entirely completed online, I had to call Amex so they could manually verify my address. This involved them calling my bank - so make sure you set up a US bank account with your US address before you apply.

Also make sure you have a SSN before you apply - I don't know if that's totally necessary, but they asked for it multiple times and its what your new credit history will be linked to.

Finally, why only 4 stars? Nova Credit's reach is limited. Basically only American Express. As soon as I'm able to I will be ditching Amex and will get a Visa CC. Similarly, it would be great if Nova could branch out and be used for products such as auto loans, and mortgages.

I am new to California from Canada; moved down for work. Nova Credit actually got me a great credit card using my Canadian credit (and they sent me a copy of the report, it's super cool).

After getting here, I discovered that basically everything in the US is set up to be slow and to distrust newcomers by default. I would imagine that, as a country with so many immigrants, extending a small amount of trust (as I received when I moved to the UK) could be good business development policy, but I digress.

One of the things on my newcomer to-do list (along with get SSN, get chequeing account, get car, rent apartment, get drivers license, set up utilities, figure out healthcare, do my job, etc...) was to get a credit card. I went to the bank to apply and the banker legit chuckled at me and said that it would be a minimum of 3-6 months before I can get a credit card. He said there was no way for him to help and if I applied it would trash my US credit and ruin my life...

To the Google I went! Found Nova Credit, applied for their AmEx (I needed SSN, SIN, chequeing account info and US mailing address that matches my bank account address and SSN account), and got approved over the phone the next day with a larger credit limit than I was expecting. Now I can start building US credit, which will go a long way towards getting the $40k car loan that I want.
Thanks!

Worst experience ever with Nova Credit. Their "partners" wouldn't even use Nova Credit report to help with my finance.

Westlake Financial said they saw no credit history on my profile and they could not use Nova Credit. They asked my dealership to pull my Nova Credit which is funny because how could the dealership have access to Nova Credit?

Don't believe the bells and whistles from Nova Credit and they will only ruin your US Credit history if you trust them and go ahead with them.

Their support team is hopeless. I did 3 enquiries and the only thing I got was the "we will get back to you within 1-2 business days" and they never got back to me!!!

Its very good program for students like me.

Used Nova to apply for a credit card in the US using my UK credit history (or so they say). Turns out that even though Nova did a hard pull to get my full credit history from the UK, the banks didn't even use it (I have this in writing). Amex just put me on the minimum credit limit anyway and ignored the Nova check -- total waste of time! AND Nova's hard pull has negatively affected my credit score.

In response to reply below: I am in fact talking about American Express. They took the Nova report but didn't use it when determining credit limit, etc. So it was the same as if I hadn't bothered with Nova at all. Seems like one big data grab from Nova Credit, don't give them your info!

Nova credit offers US credit cards for people without a credit hstory. This is really helpful for students.

Nova Credit is not a company is a brand, it's a financial helper for students. I came to the USA this fall 2023 and I am looking to take a credit card, but no company gave me a credit card without SSN. At that time I came to know about Nova Credit and I applied for an Amex credit card with nova and got instantly approved. I suggest all students who are presently in the USA or coming to the USA, must try Nova credit and get Amex card Thanks to Nova Credits

Good experience with good rewards.