Nova CreditReviews of novacredit.com

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!