Response Information by Country
Each foreign bureau that Nova works with differs slightly in terms of the information they return. Nova will provide all information that's returned from the foreign bureau and will ensure it's delivered in a compliant manner. As such, certain information will be removed from the report. Such information includes, but is not limited to:
- Any specific reference to the applicant's race, sex, age, national origin, or marital status, or any other class protected under the Equal Credit Opportunity Act (ECOA)
- Any tradeline or inquiry information that i's older than seven years, per the Fair Credit Reporting Act (FCRA)
|Data Returned||Canada (CAN)||Great Britain (GBR)||India (IND)||Mexico (MEX)|
|Applicant's personal details||✓||✓||✓||✓|
|Applicant's credit score||✓||✓||✓||✓|
|Traditional tradeline information*||✓||✓||✓||✓|
|Payment history information||✓||✓||✓||✓|
|Credit inquiry history||✓||✓||✓||✓|
|Adverse action codes||✓||✗||✗||✓|
|Past address history||✓||✓||✓||✓|
|Past employment history||✓||✗||✗||✓|
*Traditional tradeline information consists of everything but historical information of the individual tradeline attributes. Items include, among others, high balance, credit limit, status and date opened.
**Positive reporting refers to reports that contain a record of successful payments made. Negative reporting refers to payments that were missed or late. Some countries are limited in their ability to return positive reporting data and only return negative data.