What credit bureau does MPOWER use to pull my credit history? December 16, 2021 02:43 MPOWER uses TransUnion to review U.S. and Canadian credit history. For international applicants, MPOWER uses a cross-border consumer reporting agency called Nova Credit to check your credit history in your country of origin. Related articles Can I refinance my loan if I have bad credit or no credit history? As an international student, am I eligible to apply? If I am unable to retrieve my home country credit report via Nova, what should I do? Do I need a cosigner or collateral to refinance my loan? Why was my refinance application declined?