Dataset

cross-border-credit-history

International credit records are converted into formats usable by lenders assessing overseas applicants.

Dataset card

Nova Credit's cross-border-credit-history dataset translates international credit files from immigrants into a format usable by U.S. lenders. It is sold under a commercial license for underwriting and related credit decisions.

What this dataset contains

The product covers credit histories of individuals who previously lived outside the United States, aggregating tradeline and repayment information from their countries of origin. Records are normalized into a schema compatible with U.S. credit bureau conventions so that lenders can score newcomers without a domestic file. Coverage, historical depth and the set of source countries are not disclosed in the available metadata.

Structure and fields

The publisher has not published a public schema. Based on the product's stated purpose of U.S.-style underwriting, plausible normalized fields would include tradeline-level account type, opening and reporting dates, balance, scheduled payment, payment status, and currency-converted original amount. Because the canonical column names are unstated, downstream consumers typically receive the data via API or batch deliverable rather than a downloadable table.

How analysts use it

U.S. lenders and fintechs use the feed to extend credit to immigrants and thin-file applicants who would otherwise be declined, supporting cards, auto loans, rental housing and small-dollar products. Investors tracking the alt-data and credit-bureau ecosystem monitor Nova Credit's partnerships, banked immigrant population growth, and adoption as leading indicators of addressable market expansion. Quantitative teams can also benchmark approval rate lift and loss performance against traditional bureau-only models when lenders publish those disclosures.

Documentation & references 2