Understanding MPOWER's Credit Requirements

• No Credit Score Required:
  • With MPOWER, having a credit score or history is not mandatory.
  • However, we verify payment records and consider available public record information, such as late payments, collections, delinquencies, or tax liens.
• Consent for Credit Check:
  • When you submit an application, you’ll be asked to provide consent to access your credit score and history based on the information you have provided.
• Credit Reporting Agencies We Use:
  • Home Country Credit Reports: We may review credit reports from your home country through NOVA Credit. Learn more about the process here.
  • U.S. and Canadian Credit Bureaus: We review the U.S. or Canada credit reports from TransUnion as per the availability

Using these reports helps MPOWER make fair lending decisions and support individuals from diverse financial backgrounds.

• Verify Your Credit History: If you suspect any issues in your credit history might influence our decision, please verify your accounts:
  • U.S. or Canadian Accounts: Contact TransUnion at +1-800-888-4213.
  • International Accounts: Contact NOVA Credit at +1-844-423-1345.