Prodigy has partnered with Nova Credit, a U.S. based company that easily and securely retrieves your credit report.
Nova Credit provides instant access to high-quality global credit data. You'll be able to give Nova Credit consent to find, verify, and retrieve your international credit report instantly as part of your Prodigy application.
Am I eligible to get my credit report through Nova?
Once you've accepted your provisional offer and entered verification, you'll be asked to upload supporting documentation, including your credit report. If you're eligible for Nova at that point, you'll see a "Get a report for me" button.
I don't see the "Get a report for me" button?
If you don't see the button on your Credit Report task, this means that the Nova Credit report isn’t yet available in your region. Prodigy Finance and Nova Credit are continuously working with our partners to increase the number of countries available through this service.
Is it free to access my international credit history through this service?
Yes, eligible applicants can use this service to support their Prodigy Finance application free of charge.
What information do I need to provide to get my report through Nova?
What if I have no credit history?
Don't worry - many of our customers don't have a credit history, and it isn't a requirement for our loans.
If you've never taken out any credit before, you will still be able to retrieve a form of confirmation from your credit bureau agency stating that you do not have any credit history.
How does my Nova credit report get used?
Your credit history is one of many inputs into your loan application. Lenders like us use it to determine creditworthiness and if they can lend money to you. A credit report shows lenders your previous and current payment behaviour.
Does using my international credit history impact my international credit score?
Your international credit check is separate from any U.S. credit inquiry. If you search for your international credit history with Brazil, Kenya, Mexico, or Nigeria, it will result in a ‘hard’ pull, which may impact your home credit score.
Why was I unable to find my report?
There are a number of reasons why we might not be able to access your international credit report. For example:
- You don't have a credit history in your home country / the country you requested a report from, and Nova Credit is not able to source any documentation confirming this.
- You have some credit history in your home country, but there is not enough data to produce a full credit report (this is known as a "thin file").
- You didn't correctly enter your personal information (e.g., name, date of birth, foreign address, foreign ID number), which means we couldn't match your application to your credit report.
- You didn't correctly answer the verification questions presented to you. These questions are based on the information contained in your report. If you don't answer them correctly, we'll not be able to verify your identity, and you will be unable to access your international credit report.
I see that there was a [technical error, bureau down]. What does this mean?
A bureau outage is unfortunately outside of Nova Credit’s control. In some rare cases, there could be a technical error or a bureau outage at your application, which would impact your ability to search for your international credit report. If this occurred during your attempt, please contact Prodigy Finance at firstname.lastname@example.org and request us to re-enable the button for your to try again.
My home country credit report has been updated since my Prodigy application. Can you access the updated report?
Our service is entirely dependent on consumer permission. We can only access your international credit report at the time of your application. If your international credit report has changed since you last completed your Prodigy application, we’ll need you to submit a fresh application so we are allowed to pull your international credit report again.
How long will it take to access my credit report / Credit Passport®?
You'll receive an email from Nova Credit with instructions on downloading the report. Please download the report within 72 hours of receiving the email. If you miss the 72-hour window, you can use the link provided in your email to ask for an updated link. You can also reach out to Nova Credit directly to request a new link at novacredit.com/contact.
There is data on my Credit Passport® that is inaccurate. How do I correct it?
We recommend you contact us to dispute and investigate these details quickly since inaccurate, negative information may negatively affect your credit information and indicate fraudulent activity. If you have questions about any details listed within your credit report, you can reach out to Nova Credit at novacredit.com/contact.
When I get a report directly from a bureau via their consumer product, my score is different. Why doesn't it match the local score that Credit Passport® has?
Credit bureaus frequently update their information, which means that your credit score and other attributes of your credit history may be different from one day to the next.
Nova Credit's international bureau partners also may have a variety of types of credit reports they provide. The exact product that Nova Credit offers may be slightly different than the report that the bureau shares with you directly via their consumer offering. Finally, Nova Credit works with multiple bureaus in the same country, and each bureau may have a different score for you.