Prodigy Finance has partnered with Nova Credit, a US 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.
1. What is Nova Credit?
Nova Credit is a company that specializes in providing international credit information and reports. It connects various credit bureaus worldwide to offer a comprehensive view of individuals' and businesses' credit histories across borders.
2. 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. We have partnered with Nova credit for Australia, Canada, Kenya, India, Mexico, Nigeria and Philippines applicants attending a school in the US, UK and Canada.
3. How to download a Nova Credit report?
To download a Nova Credit report, you can click on the “Get a report for me” and complete the Nova questions required. Once successfully completed, you will receive an email from Nova with your credit information or a “No hit report” confirming you do not have credit history.
4. 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, and Nova is unable to obtain your credit history, you will receive an email from Nova confirming this. You can upload a copy of this email to complete the credit report task on your dashboard.
5. Does using my international credit history impact my international credit score?
Pulling your credit report from Nova could result in either a soft or hard pull depending on the country. Please see the table below to understand how your credit history may be affected :
Country | Bureau | Pull Type |
Australia | Equifax | Soft |
Austria | CRIF | Soft |
Brazil | Experian | Hard |
Canada | Transunion | Soft |
Canada | Equifax | Hard |
Dominican Republic | Transunion | Soft |
Germany | CRIF | Soft |
India | Transunion | Soft |
India | CRIF | Soft |
Kenya | Creditinfo | Hard |
Mexico | Transunion | Hard |
Mexico | Circulo De Credito | Hard |
Nigeria | CRC Credit Bureau | Hard |
Philippines | Transunion | Hard |
Philippines | CRIF | Soft |
South Africa | TransUnion | Soft |
South Korea | NICE Group | Soft |
Spain | Equifax | Soft |
Switzerland | CRIF | Soft |
UK | Equifax | Soft |
Ukraine | CreditInfo | Soft |
United States | Experian | Hard |
6. Is there a free international credit check option?
While Nova Credit offers valuable international credit information, it's important to note that accessing detailed credit reports often involves a fee. The availability of free credit checks may vary depending on the specific credit bureaus and countries involved. Nova Credit primarily acts as a platform to facilitate access to this information and with Prodigy Finance, this service is free.
7. How long will it take to access my credit report?
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.
8. What information do I need to provide to get my report through Nova?
Nova Credit will request some personal information from you, depending on the credit bureau requirements. This will usually include your name, address, cellphone number, email address and national identity numbers such as PAN or social security number. For further information, see Nova Credit's privacy policy.