Sunday, November 8, 2026 · Customer reviews of US businesses
The Fair Hearing score
Average
166 reviews
Nova CreditSelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
Nova Credit helps people access financial services by providing lenders with a more complete picture of their financial health. We do this through three main solutions: Cash Atlas™, which analyzes bank account data to show your financial responsibility; Income Navigator, which quickly verifies your income; and Credit Passport®, which brings your international credit history to a new country. Our technology helps banks, credit card companies, property managers, and phone carriers say "yes" more often to people who might otherwise be overlooked by traditional credit systems, especially newcomers to a country and those with limited credit history.
Nova Credit (novacredit.com) has 166 customer reviews on The Fair Hearing, with an average rating of 3.6 out of 5.
166 approved reviews, newest moderated first
At first, I didn't have a good feeling about Nova Credit. But that quickly changed, After I reaches out to staff for clarification. I gained a Deeper understanding of the process. System is quick, secure and able to help any situation.
By James G.
Prompt response
By SAMUEL Q.
I had an excellent experience with Nova Credit! I reached out with questions about submitting my financial information for an apartment application, and their team provided stellar assistance every step of the way. They were professional, prompt, and patient in helping me understand the process. I truly appreciate their support and the clarity they offered during what could have been a stressful experience. Thank you, Nova Credit, for your outstanding service and dedication to your customers!
By Laughvon P.
The fact that Nova Credit requires a person to login to bank accounts on their website for income verification is ridiculous, especially when other "secure" sites such as Equifax, have been hacked in the past. Nova Credit wants consumers to "trust" in their system but the risk is not worth the benefit. Recently, I refused to use Nova Credit for income verification so just took my business somewhere else. So glad I did!
By Genny M.
I am a guarantor on my son's new apartment (Arvella) application in Miami. The apartment requires that you use Nova Credit who requires that you give them both your login and password to your bank account to verify income. (AND they have indemnification "fine print" language that protects them and the apartment place if your data is accessed inappropriately.) Their website says they offer alternative ways for them to check your income but the apartment says the only way is to give your bank account information and the Nova Credit link they send (over and over with high pressure language to give your bank information or lose the apartment) doesn't show how to do alternatives to this. You can't call and get anyone on the phone at Nova Credit. This process is so sketchy.
By Ame K.
So now they have a computer snooping around into our bank accounts and job portals so that we can get a lease to PAY THEM and they can feel secure we can afford it. Wtf happened to privacy. Nova credit and things like it are steps way to far. We don't get to fully know if the place we are moving into is "good' but they get to snake themselves into our accounts "to be sure". WHAT WILL BE NEXT??? They don't want paystubs, explanations of things, nothing...just a nerdy ass number crunching computer. Are we still humans??? NEVER a late payment from me for rent and no evictions, but this shi*** a** "process" is what we have now??? You shouldn't have to connect your PERSONAL accounts. People, this isn't about verification, it's about permanent having access to ALL YOUR BUSINESS and fraud and hacking will follow. SO WHAT you let someone into an apartment and you had to do an eviction...first of all you're still making money with your overpriced rent. Second, THIS WONT STOP PEOPLE FROM HAVING HARD TIMES. This is a sign that the society is in MAJOR DECLINE. Accept a GD paystub and move tf on you greedy slimy overdoing it nerds.
By Imani
Applied for an apartment and gave my digital face, stubs, drivers license info etc. Then I get an email from Nova requesting my bank login info. Nova, a 3rd party I never heard of. That's not going to happen! I swiftly cancelled my application and now every hour I get emails, that alone tells me its an algorithm. This also says a lot about the apartment owners who don't understand they just want to make sure they get their money, which I understand but this sh@t is ridiculous. The managers or the apartment website should clearly state on the website they use a 3rd party like Nova. Resist renters because this is not cool! Welcome to our new AI driven world!
By steph W.
Very annoying and unnecessarily long process and at the end got declined with no good reason. When disputed, they didn’t bother to provide me with some answers. Their income validation process is not reliable at all. I have solid income showing up in my bank, but they are not counting it.
By Ryan G.
