With MPOWER, having a credit score or history is not mandatory; however, where available, we verify payment records and consider public record information, such as any late payments, collections, delinquencies, or tax liens.

You can apply for a loan with MPOWER; however, past delinquencies can impact the decision on your refinance loan application.

If you suspect anything in your credit history might influence our decision, please verify your U.S. or Canadian accounts with TransUnion at +1-800-888-4213 or your international accounts with NOVA Credit at +1-844-423-1345.