Not what it says on the tin!!! 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!

Really frustrated/ waste of my time Really frustrated. Did not work at all. You try to register at novacredit, it asks you basic questions about if you have a SSN / are you in US? But never asks about your other credit history in your country. Instead it gives you a list of credit cards associated with Nova (American Express) you might qualify for. It sends you to their webpage, and at NO POINT...did they ever ask me about my background credit history from Canada, even though I clicked "Foreign Credit History" earlier It says "Thank you for the submission, well let you know if you've been approved" So it's no wonder I got declined. Really absurd system.

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.

Recently moved from England to the US Recently moved from England to the US. Saw the company being advertised on Facebook for me. And saw their forbes article as well from a few years back. I had a decent credit score back in England, and I ideally didn't want to start on beginners standard credit card here in the US, so took a risk and applied for one of the AMEX cards using Nova Credit. The selection was limited (mostly AMEXs), I think there was one other lower tier card though (Which I kept in mind incase the AMEX application wasn't successful). The process itself wasn't too bad, decently step-by-step. But everything went well, my score in England helped me get the AMEX card and I've been using it fine for a while now.

Smooth and painless Smooth and painless, I received an Amex CC after 15 minutes with an extra call to Amex. The Irony is I am a Canadian who has paid taxes and utilities on a home in the US for over 12 years and there was no US credit history on me. Even a major bank where I have had an account to manage this for all those years wasn’t able to help me get a card. The Canadian Credit rating companies are often owned by American firms and I am shocked those organization cannot or will not transfer info between the 2 counties.