Building a World Beyond Borders

Crossing borders no longer means leaving your financial history behind — now, your credit can travel with you. Founded by Nicky Goulmis and Misha Esipov, Nova Credit is driven by a mission to empower the global moving population and inspire the flow of human diversity. The company provides a "Credit Passport" that connects an individual's credit history from their home country to their new country. Since launching in 2016, Nova Credit has partnered with credit bureaus in over 20 countries, gaining access to more than one billion credit profiles. With backing from lenders like American Express and SoFi, and over $112M in funding, Nova Credit became the UK’s first cross-border credit reference provider in 2023, marking a significant milestone in enhancing financial access for expatriates.

Nova Credit in Three:

• What problem is Nova Credit solving? Nova Credit addresses the issue of individuals losing access to their financial histories when they move to new countries, allowing them to start fresh with their past credit information.

• What’s innovative about the Nova Credit? Nova Credit has created a “Credit Passport” that connects an individual’s credit history from one country to their new country of residence, facilitating better access to financial services.

• Who can use Nova Credit? Nova Credit's services benefit immigrants and expatriates looking to maintain their credit histories and access credit in new countries.