How do I improve my NovaScore?

A NovaScore is your local-equivalent credit score based on your home country's credit report. The only way to retrieve your Nova Score is via going through Nova Credit’s consumer journey during a credit product application from our partners.

If you are yet to move to the country that you intend to, you can improve your NovaScore by improving your credit score in your home country. This is usually done by making your credit card payments, loan installments, and other credit payments on time; keeping your credit utilization ratio low for credit cards; not applying for too many credit products at once or in quick succession, and overall managing your credit very responsibly. You can find additional information on how to improve your credit score in your home country on their credit bureau's webpage.

If you’ve already moved to the country, it is unlikely that you will be able to improve your NovaScore, because you are no longer building credit there unless you are continuing to use financial products in your home country. Nova Credit mapped your NovaScore based on the data provided by the bureau in your home country. The underlying data in your report includes things like tradelines, account types, payment history, and metrics derived directly from our bureau partner. Think of the NovaScore as a one-time snapshot, once the report is generated, there is no update made to it unless you apply to a new financial product and as part of the application process, the company you are working with requests a new application to enable Nova Credit to retrieve the updated NovaScore.