Can I apply through Nova Credit if I already have a U.S. credit score?

If your U.S. credit file is older than 6 months and has a U.S. credit score, credit card providers may use your U.S. credit score to assess your application, and may not allow you to use Nova Credit to support your application with your home country's credit history. To check whether you already have a U.S. credit score, you can use annualcreditreport.com to access your credit file and review whether it contains a credit score.