Monday, November 9, 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
I had a disappointing experience with this company. The application process was unclear, and I received a rejection without any explanation. Attempts to get clarification were met with silence or vague responses. The customer service felt impersonal and unhelpful, leaving me feeling ignored and undervalued. I cannot recommend their services based on this experience.
By A. P. B.
Unprofessional, evasive, and deeply untrustworthy. Their practices are opaque, dismissive, and at times blatantly dishonest. Avoid at all costs.
By S S.
Man, Nova Credit is just bad. I was tryna rent a place and they made me use this company. First thing they do is ask for my bank login and that code thing my bank says not to give nobody. I dont even know these people and they want all my info? No way. I send them my paystubs and W2 like they ask but they keep sendin emails sayin I gotta give em my bank login. Like, what for? I already gave you my stuff. They send emails all night, woke me up at 2am one time. I try to call or email them but nobody answer, just some robot reply. Their website is broke too, keep crashin and makin me start over. Took me like 3 times to upload my papers. They dont even got my bank on there so I couldnt even do what they wanted if I wanted to. I dont trust em at all. Feels like they just want my info and dont care bout helping. Told my landlord I aint doin it no more. Still worried what they doin with my stuff. Dont use Nova Credit, its a mess.
By Ali
Requesting bank login information is unacceptable
By john J.
Worst experience ever with Nova Credit!! This company is a complete joke and CANNOT be trusted. They kept harrassing me for my bank login details and 2FA codes - exactly what my bank warns me to NEVER share with anyone! Even after I gave them my 1099 forms, they still demanded access to my bank account, sending me emails literally every 3 hours. As someone self-emlpoyed, I was treated like my income wasn't real because they refuse to accept business accounts or cash income. So ridiculious and time consuming! Their whole process is a mess - sending duplicate requests, approving things and then sending more approvals, it's like nobody knows what their doing over there. I tried contacting them multiple times with no response. They just kept sending emails at all hours - late at night and early morning! Who does that?? Their online form was pathetic and completely useless. For a company handling sensitve financial info, they seem totally incompetent. Take my advice - STAY AWAY from Nova Credit! Their not on the level and shouldn't be allowed to operate. After dealing with them, I'm seriously worried about where my personal data has ended up. Absolute nightmare experence from start to finish!
By Daniel
Horrible. Husband and I are oldsters and attempting to rent an apartment. NOVA repeatedly asks for access to our bank accounts. They email late at night and early in the AM and will not stop. No response when we try to contact them. They sent an online form which was pathetic. Folks: Trust me as one who has bought and rented houses all her life, THEY ARE NOT ON THE LEVEL!
By sharon E.
This company isn't to be trusted. They try to force you to give them your bank login as well as the 2FA code, that your bank always tells you to not give to anyone. Only by searching online did I find out that I could close the window, and be offered the alternative of using a pay stub, something I already gave to the rental company who employs them. Whoever is running the security show here doesn't appear aware of the principle of minimum necessary information disclosure, and that tells you all you need to know about whether or not you should do business with them.
By Scorpio
What a horrible mess!! This company should not be allowed to operate credit-related activities. They send duplicate requests. Their help seems intentionally bugged. They approve then send more approvals. For a company to be so horrible strongly implies they are incompetent and should not be handling sensitive information like credit details.
By Xi
