A great business idea A great business idea The process in getting your Nova Credit score and applying for a US credit card was really straight forward and easy to follow. It's a really great idea and acknowledges responsible credit users who have been living overseas. What's stopping me from giving 5 stars is that I wish it was more widely recognized, at the moment it's a very useful tool for building American credit but it would be even better if you could use it instead of an American credit score.

Great service offering! Using Nova Credit allowed me to access an American Express credit card quicker than I otherwise would have been able to. The online process was easy and it only takes a couple of minutes. The one thing people should be wary of is: the verification of address step that American Express now requires. My application was held up for over 2 months, while I waited to get phone bills, utility bills, etc that had my US address on it. They wouldn’t accept something like a sublease agreement. This step is out of Nova Credit’s control, but something people should be aware of when they are moving!

Complete Joke 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.

Apartment 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.

I used this,service to obtain a US … I used this,service to obtain a US American express card. A card was issued as I have a great credit rating in Canada. Subsequently American express. Cancelled the card for no apparent reason . And followed up with requests for income statements and tax returns from Canada. I had assumed that this,service would have prevented that hassle.