If you’re a citizen of one of the countries listed below, you’ll need to complete the Nova credit check process as part of the MPOWER application process. If you have a credit history, we’ll use your history to evaluate your creditworthiness. However, it’s not mandatory for you to have a credit history to be considered for a loan.
Applicants who have DACA, refugee/asylum (including pending status), or U.S. permanent resident status are excluded from this check.
| Country | Credit Bureau(s) |
| Australia | Equifax Australia |
| Austria | CRIF GmBH |
| Colombia | TransUnion Colombia |
| Dominican Republic | Trans Union S.A. |
| Germany | CRIF GmBH |
| Ghana | XDS Data Ghana |
| India | TransUnion CIBIL, CRIF Highmark |
| Kenya | Creditinfo Credit Reference Bureau Ltd. |
| Mexico | Trans Union de México S.A., Sociedad de Información Crediticia(Buro de Credito), Circulo de Credito |
| Nigeria | CRC Credit Bureau Limited |
| Philippines | CRIF Corporation, TransUnion Information Solutions, Inc. |
| Spain | ASNEF-Equifax, S.L. and Equifax Ibérica, S.L. |
| South Africa | TransUnion Credit Bureau (Proprietary) Limited |
| South Korea | NICE Information Services Co., Ltd. |
| Ukraine | International Bureau of Credit Histories |
| United Kingdom | Equifax Ltd. |
