# Nova Credit

**Canonical:** https://apis.io/providers/nova-credit/  
**Website:** https://www.novacredit.com  
**APIs profiled:** 1

Nova Credit is a fintech consumer-credit-data platform that gives lenders and financial institutions a single API to access unified consumer credit data from more than 26 sources — international credit bureaus, bank-transaction aggregators, payroll systems, and automated document data. Its products (Credit Passport, Cash Atlas, Income Navigator, and Eligibility Compass) let institutions underwrite qualified newcomers and thin-file applicants with translated international credit history, run cashflow-based underwriting from bank data, automate income verification with fraud detection, and speed income/asset verification for affordable housing. The developer platform exposes REST APIs over api.novacredit.com with a dedicated sandbox host, HTTP Basic to short-lived Bearer authentication, JWE-encrypted report payloads, hosted NovaConnect consent webviews, webhooks, SCIM and SSO.

## Kin Score — 42.4 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 42.4).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 45.1 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 57.1 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Insurance**: 45.5 (matched via tags).

## Agent readiness — 32.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Nova Credit Platform API** — Unified REST API surface across Nova Credit's products (Credit Passport v4, Cash Atlas v2, Income Navigator v2, Eligibility Compass v1). Server-side clients authenticate with HT...

## MCP servers (1)

- **Nova Credit MCP Server**

## Security (3)

- **Nova Credit Authentication** — http-basic/http-bearer · 2 schemes
- **Nova Credit Domain Security** — TLSv1.3 · HSTS · DMARC
- **Nova Credit Trust Center** — trust center published

## Tags

Company, Credit Data, Consumer Credit, Credit Bureau, Income Verification, Underwriting, Fintech, Financial-Services, Lending, Cash Flow Underwriting, Identity

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/nova-credit/). Scores are computed from the provider's own public artifacts under a published rubric.