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!

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!

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.

Amex approval via Nova for Canadian I moved to US and had 10 years of credit history and an excellent credit score (820). Sadly in US no one really cares about the Canadian history and I applied few times and no luck. I was withAmerican Express in Canada but since I have not used My Amex there that much, I could not ask Amex for Global card transfer. I applied through Nova and finally got approved by Amex. Although the credit limit was quite low (1000 $ only) and compared to what I had in Canada Looks like a joke but at least a start. Thanks Nova for facilitating it!

Thanks to Nova Credits. I applied for an Amex credit card with nova and got instantly approved. Nova Credit is not a company is a brand, it's a financial helper for students. I came to the USA this fall 2023 and I am looking to take a credit card, but no company gave me a credit card without SSN. At that time I came to know about Nova Credit and I applied for an Amex credit card with nova and got instantly approved. I suggest all students who are presently in the USA or coming to the USA, must try Nova credit and get Amex card Thanks to Nova Credits