Do I need a U.S. credit history to refinance my loan? December 16, 2021 02:41 The good news is that MPOWER does not require a credit score or history; however, we will be reviewing any existing credit history in the U.S and your country of origin, if available. Related articles Will a cosigner or co-applicant improve my chances of approval to refinance my loan? How does MPOWER review my home country’s credit history? What is Nova Credit? Do I need a cosigner or collateral to refinance my loan? Can I reapply after my refinance application is denied? Can I refinance my loan if I have bad credit or no credit history?