This document provides information on how to interact with the Nova Credit API to obtain a Nova Credit Passport™.
The best way to run foreign credit checks using Nova's API is to have your customers use NovaConnect, an easy-to-use and secure JavaScript module. Visit our Quickstart guide for all details on how to get Nova API credentials and integrate NovaConnect into your app or website today.
Framework and Protocol
The Nova API is organized around REST. It uses resource-oriented URLs, HTTP response codes, and native HTTP functionality such as authentication and verbs. Note that our APIs are served over HTTPS; HTTP is not supported in production.
Delivery Formats
JSON is the default response format except /connect/passport/v1/pdf, which returns a pdf.
Endpoints
Our API host is:
api.neednova.com
Our resource URL patterns are:
/connect/accesstoken
/connect/passport/v1/json
/connect/passport/v1/pdf
We highly recommend you switch to our latest version, v2! Read the docs and see what's different here.
Country Specifics
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, marital status, or any other class protected under the Equal Credit Opportunity Act (ECOA)
Any tradeline or inquiry information that is older than seven years, per the Fair Credit Reporting Act (FCRA)
Unique Parameters
Data Returned
Australia Equifax (AUS_EFX)
Canada Transunion (CAN_TU)
Canada Equifax (CAN_EFX)
Great Britain Equifax (GBR_EFX)
India Crif High Mark (IND_CHM)
India CIBIL (IND_CIBIL)
Mexico Circulo de Credito (MEX_CDC)
Korea NICE (KOR_NICE)
Nigeria CRC (NGA_CRC)
Brazil Experian (BRA_XP)
Applicant's personal details
✓
✓
✓
✓
✓
✓
✓
✓
✓
✓
Applicant's credit score
✓
✓
✓
✓
✓
✓
✓
✓
✓
✓
Traditional tradeline information*
✓
✓
✓
✓
✓
✓
✓
✓
✓
✓
Payment history information
✓
✓
✓
✓
✓
✓
✓
✗
✓
✗
Credit inquiry history
✓
✓
✓
✓
✓
✓
✓
✗
✓
✓
Adverse action codes
✓
✓
✓
✗
✗
✗
✓
✓
✓
✗
Past employment history
✓
✓
✓
✗
✗
✓
✓
✗
✗
✓
Positive reporting**
✗
✓
✓
✓
✓
✓
✓
✓
✓
✗
Negative reporting***
✓
✓
✓
✓
✓
✓
✓
✓
✓
✓
*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.
***This bureau collects information about negative delinquency records and other negative behavior, but may have limited or no positive payment history information.
Sandbox Mode
Sandbox Users by Country
Nova provides integrating clients with a number of test users that they can submit data for in order to analyze a response. By default, the information for only one user is present alongside NovaConnect when in the sandbox environment although the following user information may be submitted.
Australia Equifax (AUS_EFX)
Inputs
Default User
User 2
User 3
First name
Samantha
Muhammad
Saiid
Last name
O'Connor
Mohebbi
Abass
Date of birth
30-03-1991
01-07-1991
20-09-1960
Email address
samantha@email.com
muhammad@email.com
saiid@email.com
Gender
Female
Male
Male
Street address
10 Seahorse Court
Main Drive
24 Kingsland Road
Suburb
Indented Head
Werribee South
Berala
State
Victoria
Victoria
New South Wales
Postcode
3223
3030
2141
Australian Driver's License state of issue
Victoria
Victoria
Victoria
Australian Driver's License number
98056840
85989564
85544842
Australian Passport number
PA0000128
C5100511
Australian Medicare Card number
2951709671
2951777281
Australian Medicare Card reference number
1
1
Australian Medicare Card valid to date
04-2021
05-2021
Australian Medicare Card color
Green
Green
Australian Medicare Card middle name
E
none
Australian Immigration Card number
ABC123456
Australian Immigration Card birth month
March
Australian Immigration Card birth year
1991
Australian Citizenship Certificate number
ACC1287852
Australian Citizenship Certificate date of birth
30-03-1991
Australian Citizenship Certificate date of acquisition
05-06-1992
Canada Transunion (CAN_TU)
Inputs
Default User
User 2 (delinquent)
User 3
First name
Olivia
Fernando
John
Last name
Tremblay
Isabell
Fence
Email
olivia@email.com
fernando@email.com
john@email.com
Date of birth
25-04-1973
04-05-1955
11-10-1920
SIN
734779572
Address
33 Cork St W
170 Jackson Street West
100 Main Street West
City
Guelph
Hamilton
Hamilton
Province
Ontario (ON)
Ontario (ON)
Ontario (ON)
Postal code
N1H 2W9
L8P 1L9
L8P 1H6
Question 1/5
180 HOLIDAY INN DRIVE
NEWFOUNDLAND
ONTARIO
Question 2/5
225 MYSTERY LAKE RD
NONE OF THE ABOVE
408 SCOOBY RD
Question 3/5
10199 101 STREET NW
208 EMBARCADERO S
154 COVINGTON NW
Question 4/5
1709 BLOOR STREET WEST
458 KING AVE
1441 MAZARINE WEST
Question 5/5
BRITISH COLUMBIA
50124 UNION ST
NONE OF THE ABOVE
Canada Equifax (CAN_EFX)
Inputs
Default User
User 2
User 3
First name
Emma
Allen
Chris
Last name
Smith
Mikey
Jerrold
Email
emma@email.com
allen@email.com
chris@email.com
Date of birth
25-10-1989
16-12-1967
11-01-1954
SIN
111222333
Address
1966 Eglinton Avenue East
10520 111 Avenue Northwest
2320 16 Avenue Northwest
City
Toronto
Edmonton
Calgary
Province
Ontario (ON)
Alberta (AB)
Alberta (AB)
Postal code
M1L 2M6
T5G 0B6
T2N 4H8
Question 1/3 (mortage loan)
None of the above
$3,000 - $3,800
Chartwell Road
Question 2/3 (range of payment)
$275 - $374
2004
$7,000 - $10,000
Question 3/3 (SIN last digits)
4286
8888
0231
Great Britain Equifax (GBR_EFX)
Inputs
Default User
User 2
User 3
First name
David
Nathan
Allie
Last name
Jones
Smith
Gretchen
Email
david@email.com
nathan@email.com
allie@email.com
Date of birth
25-10-1989
04-01-1988
30-12-1987
Street address
177 Brompton Road
310 Kensington
101 The Horsefair
Post town
London
Liverpool
Bristol
Post code
SW31NF
L7 2RN
BS1 3JR
Question 1/3 (mobile phone/cable)
O2
Barclays
Barclays
Question 2/3 (current account opened)
G E Capital (House of Fraser)
£ 700 - £ 800
£ 400 - £ 500
Question 3/3 (overdraft limit)
£ 2500 to £ 2999
£ 2500 to £ 2999
£ 50 - £ 100
India Crif High Mark (IND_CHM)
Inputs
Default User
User 2
User 3
First name
Raj
Diya
Sona
Last name
Du
Puja
Arati
Date of birth
25-10-1989
06-02-1976
11-10-1966
Father's last name
Du
Puja
Arati
Email address
rajdu@email.com
diya@email.com
sona@email.com
Indian phone number
2233334444
1234567892
2580066232
Street address
2 Community Center
55 Park Street
1 Juhu Tara Road
City
New Delhi
Kolkata
Mumbai
State
Delhi (DL)
West Bengal (WB)
Maharashtra (MH)
Pincode
110017
700017
400049
PAN number
ADISA8123J
AFUPJ7365N
AAWPH3050M
Question 1
RBL Bank
None of the above
36,000
Question 2
New Delhi
ICICI Bank
Yes Bank
Question 3
2005
7
2
India CIBIL (IND_CIBIL)
Inputs
Default User
User 1
User 2
First name
Anik
Astha Sai
Vijay
Last name
Shah
Dutta
Pratap Krish
Date of birth
26-11-1992
28-01-1986
13-01-1995
Gender
Male
Female
Male
Email address
anik@email.com
astha@email.com
vijay@email.com
Indian phone number
9773949726
9775550000
9779991234
Street address
2 3218 STREET NO 2 BALBIR NAGARSHAHDRA
1 Daresi Rd, Sheb Bazar, Rakabganj
101, MI Road, Bapu Bazar, Biseswarji
City
Delhi
Agra
Jaipur
State
Delhi (DL)
Uttar Pradesh (UP)
Rajasthan (RJ)
Pincode
110009
282003
302001
PAN number
YEHPG0098E
ABCPD0000A
XYZPK2020K
Passport number
A1234567
A00001234
A12341234
Security code
092090
925925
561678
Question 1
Scb
Sbi Card
None of the Above
Question 2
1500001
17000
I Don't Have An Account With Icici Bank
Question 3
147000
30000
25000
Question 4
Pnb Hsg
Rbl Bank
Axis Bank
Question 5
Bajaj Fin Ltd
Icici Bank
Axis Bank
Mexico Circulo de Credito (MEX_CDC)
Inputs
Default User
User 2
User 3
First name
Juan
Xavier
Alexis
Father's last name
Garcia
Jose
Elena
Mother's last name
Gonzales
Barrios
Quipa
Date of birth
25-10-1989
12-12-1972
03-06-1982
Email address
juan@email.com
xavier@email.com
alexis@email.com
Street address
357 Avenida Insurgentes Sur
2 Calle James Sullivan
1 Miguel Laurent
City
Ciudad de México
Ciudad de México
Ciudad de México
Neighborhood/Borough
Hipódromo
San Rafael
Tlacoquemecatl del Valle
Zipcode
06100
06470
03200
State
Ciudad de México (CDMX)
Ciudad de México (CDMX)
Ciudad de México (CDMX)
Have you ever had a mortage in México?
No
No
Yes
Have you ever had an auto loan in Mexico?
Yes
Yes
No
Have you ever had a credit card in Mexico?
Yes
Yes
No
Provide the last 4 digits of any of your Mexican credit cards
0000
4827
Korea NICE (KOR_NICE)
Inputs
Default User
User 2
Full name
이지훈
박수진
Date of birth
1990-10-20
1990-04-30
Email
jihoon@email.com
soojin@email.com
Gender
Male
Female
Phone number
+1 (415) 555-5555
+1 (415) 555-5555
Nigeria CRC (NGA_CRC)
Inputs
Default User
User 2
User 3 (delinquent)
Full name
Daraja Attah
Aminu Ojo Oni
Sunkanmi Oyekan
Bank verification number
83920323750
22237445315
43098094389
Date of birth
01-15-1985
04-13-1977
09-22-1968
Gender
Female
Male
Male
Email address
daraja@email.com
aminu@email.com
sunkanmi@email.com
Brazil Experian (BRA_XP)
Inputs
Default User
First name
Ana
Last name
Silva
Date of birth
25-03-1980
CPF number
170.719.241-39
Email address
ana@email.com
Stripe Sandbox Values
If you have applicant payments enabled for your account, you may use the following fake credit card numbers to test the applicant's end-to-end Nova application, including simulations of an applicant's payment for their Nova Credit Passport.
Description
Card Number
Name on Card
Expiration Date
CVC
Successful Payment (credit card)
4242424242424242
Anything
Anything in the future
Anything
Unsuccessful Payment (credit card decline)
4242424242424000
Anything
Anything in the future
Anything
Data Types & Formats
Data Types
Type
Description
String
Extended character set, numbers and punctuation symbols. This includes non-ASCII language-specific characters such as ß, à, ç, é, and more (all encoded as utf8).
Integer
A rounded numerical value.
Float
A 64-bit floating decimal point format.
Bool
A boolean-flag indicating true or false.
Object
Nested JSON level with more field-values.
Array
A value or type array contains a zero or positive amount of elements. The elements can be of any type.
Data Formats
Format
Description
Timestamp
(String) UTC ISO 8601 data and time format. Full specs according to RFC 3339. Example: 1982-09-26T32:20:50.52Z
Full Date
(String) UTC ISO 8601 date format. Full date format in YYYY-MM-DD. Example: 1982-09-26
Short Date
(String) UTC ISO 8601 date format. Shorter format in YYYY-MM. Example: 1982-09
UUID
(String) Universally Unique Identifier according to RFC 4122
URI
(String) Uniform Resource Identifier according to RFC 3986
Short Version
(String) Version number is predicated with "V" e.g. "V1", "V2", or "V3". Case insensitive.
Full Version
(String) Semantic versioning. http://semver.org/
Percentage
(Float, 2 decimal) Formatted in the range of 0 - 100% excluding percentage symbol
Pipe
(String) Pipe-delimited string of values. E.g. val1 (Pipe) val2 (Pipe) val3
ISO 3166-1 alpha-3
(String) Three letter country codes. E.g. CAN, MEX, IND
ISO 4217
(String) Three letter currency code. E.g. USD, EUR, INR
Webhook
The webhook will be called with the following format:
{
status: 'SUCCESS',
publicToken: '6b986690-458b-11e7-98fb-a71570ea65a6',
userArgs: '235234224'
}
The Nova Credit webhook will provide one of the following status messages:
Text
Description
SUCCESS
The applicant has been found in the database overseas. A Nova Credit Passport™ has been generated which you can retrieve with the publicToken in the body of this request.
NOT_FOUND
The applicant could not be found in the database overseas. There is no Nova Credit Passport™ to retrieve
NOT_AUTHENTICATED
The applicant was found but could not be authenticated. There is no Nova Credit Passport™ to retrieve
ERROR
An internal error occurred and the Nova Credit Passport™ could not be compiled. Please send a message to support@neednova.com with the publicToken.
For Nova to inform you that a credit file is ready for pick-up we call a webhook that you provide. The POST call we make contains a status code in its JSON body. For more information visit the server integration section in our NovaConnect Quickstart guide.
The Nova Credit Passport™ response body is segmented into three objects and seven arrays with additional data being country-specific. The structure is as follows:
meta {object}
personal {object}
product {object}
currencies [array]
scores [array]
tradelines [array]
inquiries [array]
identifiers [array]
addresses [array]
metrics [array]
In addition to the above elements, certain countries provide applicant data that others don't. In the documentation below, you will find corresponding tables that show which bureaus that support each of these nodes:
Information specific to the applicant's credit score, including both the foreign data supplier’s score, as well as the Nova score. scores are returned in an array, and all elements follow the same structure.
Exampleresponsefromtheadverse_action_codesarray:...,"adverse_action_codes":[{"code":"T2","description":"Many revolving accounts bank national"},{"code":"M0","description":"It has a number of accounts currently in default"},{"code":"R1","description":"Very few accounts with balances"}]}
A child to scores, adverse_action_codes are the codes that are returned from the foreign bureau and detail the reasoning behind the score returned. adverse_action_codes are returned in an array, can have zero objects, and there is no upper bound.
Tradelines refer to the applicant's previous and current credit-related products, which they've held over the past seven years. Tradelines are returned in an array, can have zero objects and there is no upper bound.
Field
Format
Notes
tradeline_id
UUID
Reference ID of the tradeline
institution
String
Name of the lending institution
telephone
String
Telephone of the lending institution
address
String
The entire address of the lending institution, only if it was returned in one blob
A child to tradelines, payment_history refers to the applicant's past payment frequency. payment_history is returned in an array and can have zero objects or a maximum of 7 objects (one object per year).
The format of payment_history depends on the payment_frequency value of the tradeline, which will most often be MONTHLY.
Field
Format
Notes
payments
Array
0 = N/A payment, out of range 1 = reported but unknown specifics 2 = paid on time 3 = Less than or equal to 30 days past due 4 = Less than or equal to 60 days past due 5 = Less than or equal to 90 days past due 6 = Less than or equal to 120 days past due 7 = More than 120 days past due
year
Integer{4}
YYYY
payment_frequency explanation
Payment Frequency
Explanation
MONTHLY
Array length equal to 12. The first element is the month of December and the last is January. Nova cannot distinguish where in that month the payment happened, hence Nova defaults to counting from the end of the month onward.
BI_MONTHLY (every two months)
Array length equal to 6. The first element is the month of December and the last is January. Nova cannot distinguish where in that month the payment happened, hence Nova defaults to counting from the end of the two months onward.
SEMI_MONTHLY (twice in a month)
Array length equal to 24.
WEEKLY
Array length equal to 52. The first element is the last week of the year. Nova cannot distinguish where in that month the payment happened, hence Nova defaults to counting from the end of the week.
BI_WEEKLY (every two weeks)
Array length equal to 26.
QUARTERLY
Array length equal to 4. The first element is the month of December and the last is April. Nova cannot distinguish where in that month the payment happened, hence Nova defaults to counting from the end of the quarter onward.
SEMI_ANNUAL
Array length equal to 2. The first element is the month of December and the second element is the month of July.
ANNUAL
Array length equal to 1. The first element is the month of December. Nova cannot distinguish where in that year the payment happened, hence Nova defaults to counting from the end of the year onward.
A child to tradelines, collateral_items refer to items that have been posted as collateral. collateral_items are returned in an array, can have zero objects and there is no upper bound.
Exampleresponsefromthebank_accountsarray:{"bank_accounts":[{"bank_account_id":"8c46ab70-d485-11e7-a5ca-95dbcbcedd5b","bank_account_type":"CHECKING","bank_account_subtype":"PERSONAL","bank_account_status":"OPEN","creditor_industry":"Credit card, Visa, M/C (issued by bank or trust company)","responsibility":"INDIVIDUAL","date_last_reported":"2017-11-01","date_opened":"2015-07-19","institution":"HSBC","institution_phone":"+912242142602","current_balance":20048,"start_balance":2655,"balance_history_frequency":"MONTHLY","original_currency":"GBP","balance_history":[{"year":2017,"balances":[...]}],"comments":[...]}]}
Bank accounts refer to the applicant's previous and current bank account products, which they've held over the past seven years. Bank accounts are returned in an array, can have zero objects and there is no upper bound.
A child to bank accounts, balance_history refers to the applicant's overdraft balance history. balance_history is returned in an array and can have zero objects or a maximum of 7 objects (years).
The format of balance_history depends on the balance_history_frequency value of the tradeline, which will most often be MONTHLY.
Field
Format
Notes
overdraft_balances
Array
The bank overdraft balance or null if unknown
year
Integer{4}
YYYY
balance_history_frequency explanation
Balance History Frequency
Explanation
MONTHLY
Array length equal to 12. The first element is the month of December and the last is January. Nova cannot distinguish where in that month the event happened, hence Nova defaults to counting from the end of the month onward.
BI_MONTHLY (every two months)
Array length equal to 6. The first element is the month of December and the last is January. Nova cannot distinguish where in that month the event happened, hence Nova defaults to counting from the end of the two months onward.
SEMI_MONTHLY (twice in a month)
Array length equal to 24.
WEEKLY
Array length equal to 52. The first element is the last week of the year. Nova cannot distinguish where in that month the event happened, hence Nova defaults to counting from the end of the week.
BI_WEEKLY (every two weeks)
Array length equal to 26.
QUARTERLY
Array length equal to 4. The first element is the month of December and the last is April. Nova cannot distinguish where in that month the event happened, hence Nova defaults to counting from the end of the quarter onward.
SEMI_ANNUAL
Array length equal to 2. The first element is the month of December and the second element is the month of July.
ANNUAL
Array length equal to 1. The first element is the month of December. Nova cannot distinguish where in that year the event happened, hence Nova defaults to counting from the end of the year onward.
Other assets refer to the applicant's previous and current non-bank assets, which they've held over the past seven years. other_assets are returned in an array, can have zero objects, and there is no upper bound.
Exampleresponsefromthepublic_recordsarray:{"public_records":[{"public_record_id":"8c463646-d485-11e7-a5ca-95dbcbcedd5b","public_record_type":"FORECLOSURE","public_record_status":"SATISFIED","amount":13410,"date_filed":"2014-06-01","court_name":"ABERDARE","case_number":"XX123456","date_verified":"2014-08-01","defendant_name":"DAVID JONES","plaintiff_name":"BANK OF SCOTLAND","lawyer_name":"JOHN SMITH","date_satisfied":"2014-08-01","date_last_reported":"2014-08-01","credit_industry":"MORTGAGE","original_currency":"GBP","comments":[...]}]}
Public records refer to the applicant's previous and current public records, which they've held over the past seven years. public_records are returned in an array, can have zero objects, and there is no upper bound.
Frauds refer to the applicant's previous and current fraud reports, which they've held over the past seven years. Frauds are returned in an array, can have zero objects and there is no upper bound.
The data provided in the frauds node is returned unaltered from the supplying credit bureau. To see a complete list of potential values returned for frauds, please contact your Nova representative.
Field
Format
Notes
fraud_id
UUID
Reference ID of the fraud
fraud_type
String
The type of fraud provided directly by the bureau
fraud_status
String
The status of the fraud provided directly by the bureau
report_type
String
The type of the fraud report provided directly by the bureau
Collections refer to the third party collections made on the applicant's accounts, which they've held over the past seven years. collections are returned in an array, can have zero objects, and there is no upper bound.
Nonsufficient funds refer to the nonsufficient fund reports made on the applicant's accounts, which they've held over the past seven years. nonsufficient_funds are returned in an array, can have zero objects, and there is no upper bound.
Field
Format
Notes
nonsufficient fund_id
UUID
Reference ID of the nonsufficient fund
creditor_name
String
Creditor of the delinquent account
creditor_phone
String
date_reported
Full Date or Short Date
Date initially reported
date_last_reported
Full Date or Short Date
date_opened
Full Date or Short Date
Date the delinquent account was opened
date_overdrafted
Full Date or Short Date
nonsufficient_amount
Integer
overdraft_balance
Integer
Balance of the account when it went into delinquency
Inquiries are the credit inquiries that have been performed on the applicant's account over the past seven years. inquiries are returned in an array, can have zero objects and there is no upper bound.
Note that the address will be returned by default using specific keys (street, zipcode, etc) or using the address field if it was returned as a single string.
Field
Format
Notes
inquiry_id
UUID
Reference ID of the inquiry
is_credit_seeking
Bool
Whether the inquiry is soft (false) or hard (true). Reports generated prior to June 18, 2019 will not contain this field
Exampleoftheemployersarray:{"employers":[{"employer_id":"682ed21e-f405-11e6-bc64-92361f002671","company_name":"Google Mexico","street":"445 Calle Montes Urales","neighborhood":"Lomas - Virreyes","district":"Ciudad de México","country":"MEX","zipcode":"11000","state":"Ciudad de México","annual_salary":50000,"date_started":"2012-03-01","date_terminated":"2016-11-30"}],...}
Employers is a history of the applicant’s work experience. employers are returned in an array, can have zero objects, and there is no upper bound.
Field
Format
Notes
employer_id
UUID
Reference ID of this employer
company_name
String
job_title
String
telephone
String
address
String
Only provided if the address was provided as a single string
Addresses is a history of where the applicant has previously lived. addresses are returned in an array, can have zero objects, and there is no upper bound.
Identifiers is a collection of the applicant’s identification documents on file. identifiers are returned in an array, can have zero objects, and there is no upper bound.
Other incomes is a history of the applicant’s non-salaried employment. other_incomes are returned in an array, can have zero objects, and there is no upper bound.
Exampleresponsefromthedisputesarray:{"disputes":[{"dispute_id":"03b93250-d48f-11e7-88ec-19158430af0e","dispute_type":"DISPUTE","date_reported":"2016-12-12","statement":"This data has been disputed by the individual concerned.",}],}
Disputes refer to the previous and current disputes the applicant has formally made on their credit report. disputes are returned in an array, can have zero objects, and there is no upper bound.
Exampleresponsefromthenoticesarray:{"notices":[{"notice_id":"03b93250-d48f-11e7-88ec-19158430af0e","notice_type":"BUREAU COMMENT","date_reported":"2016-12-12","date_to_be_purged":"2022-12-12","notifier_phone":"604-286-3651","statement":"Successful inquiry by other SIC","comments":[...],}],}
Notices refer to notices and statements provided by the supplying credit bureau or the applicant about the applicant's credit report. notices are returned in an array, can have zero objects, and there is no upper bound.
Several nodes of passport contain a comments property, which is an array of 0 or more string values. Each element of comments is a note from the bureau about that node.
metrics []
Exampleofthreemetricswithinthemetricsarray:{"metrics":[{"metric_status":"AVAILABLE","metric_source":"NOVA","metric_name":"RATIO_CREDIT_UTILIZATION","metric_value":0.40103270223752152,"metric_label":"Credit Utilization Ratio","metric_type":"RATIO"},{"metric_status":"AVAILABLE","metric_source":"NOVA","metric_name":"RATIO_ON_TIME_PAYMENTS","metric_value":0.83695652173913049,"metric_label":"On Time Payment Ratio","metric_type":"RATIO"},{"metric_name":"KOR_NICE_COUNT_CREDIT_CARDS","metric_source":"BUREAU","metric_status":"AVAILABLE","metric_type":"INTEGER","metric_label":"Open Credit Card Tradelines","metric_format":"TIMESERIES","most_recent_date":"2019-01-01T00:00:00.000Z","metric_timeseries":{"values":[2,2,2,3,3,],"interval":"MONTHLY"},},],...}
Metrics are analytical values derived from the underlying data in the Nova Credit Passport™. metrics are returned in an array and are of configurable length.
By default, four metrics are included in every response: RATIO_CREDIT_UTILIZATION, RATIO_ON_TIME_PAYMENTS, COUNT_INQUIRIES_LAST_TWELVE_MONTHS, and TOTAL_MONTHLY_INSTALLMENTS. You can remove these metrics or add additional metrics to your reports by contacting your Nova Representative.
In addition to the metrics included in every report, the foreign bureau may provide additional summary data. In this case, these additional metrics will be prepended to the metrics array and can be differentiated by the value of metric_source.
Object containing values and interval of timeseries data
Field
Format
Notes
interval
String
Time interval between metrics in the values array (Timeseries only) See Table 36. interval
values
Array
Array of timeseries data
Tables
Table 1. country
Values of the country field.
Value
Description
CAN
Canada
GBR
Great Britain
IND
India
MEX
Mexico
AUS
Australia
KOR
Korea
NGA
Nigeria
BRA
Brazil
Table 2. company_code
Values of the company_code field.
Value
Description
CAN_TU
Canada Transunion
CAN_EFX
Canada Equifax
GBR_EFX
Great Britain Equifax
IND_CHM
India Crif High Mark
IND_CIBIL
India CIBIL
MEX_CDC
Mexico Círculo de Crédito
AUS_EFX
Australia Equifax
KOR_NICE
Korea NICE
NGA_CRC
Nigeria CRC
BRA_XP
Brazil Experian
Table 3. inquiry_type
inquiry_type is returned as part of an array via inquiries. Those marked deprecated are now reported as a combination of inquiry_type and inquiry_subtype. Reports generated prior to 2018-02-21 may contain deprecated values. New reports generated after 2018-02-21 will not contain deprecated values.
Values of the adverse_action_codes field. adverse_action_codes are only returned from AUS_EFX, CAN_TU, CAN_EFX, and MEX_CDC.
Australia Equifax (AUS_EFX)
Value
Description
KCF-001
Length of Credit History - The time since credit activity is first recorded on file can be an indicator of risk
KCF-002
Applicant Information - Details of an applicant (such as age, employment and address details) can have an impact on risk
KCF-003
Consumer Credit Application Pattern - The type and frequency of credit applications can impact risk. Research shows that applicants with a higher risk typically apply for credit more often
KCF-004
Current Consumer Credit Application Information - The type and amount of credit being applied for can have an impact on risk
KCF-005
Recent Consumer Credit Application Information - Recent credit applications made can have an impact on risk
KCF-006
Historical Consumer Credit Application Information - The type and frequency of historical credit applications can be an indicator of risk
KCF-007
Consumer Default Information - The existence of consumer default information can be a powerful indicator of risk
KCF-008
Lack of Consumer Adverse Information - Having no consumer adverse information can have an impact on risk
KCF-009
Commercial Credit Application Information - Commercial credit application history relating to number, frequency and
KCF-010
Commercial Default Information - The existence of commercial default information can be a powerful indicator of risk.
KCF-011
Public Adverse Information - The existence of public adverse information such as court judgements and writs can have a powerful impact on risk
KCF-012
Directorship Information - Information on an applicant’s director’s file can impact risk
KCF-013
Current Payment Status - Current repayment status can be a powerful indicator of risk
KCF-014
Account Repayment History - Repayment history information can have an impact on risk
KCF-015
Time Since Observed Delinquency - The length of time since the last late payment made can be an indicator of risk
KCF-016
Credit Exposure in Delinquency - An applicant’s credit exposure in arrears can be a powerful indicator of risk
KCF-017
Limit Changes - Increases in credit limits can have an impact on risk
KCF-018
Bankrupt - Bankrupt (excluding Discharged, Part X, Part IX) as at time of enquiry
KCF-019
Part X Personal Insolvency Agreement - Part X Personal Insolvency Agreement (excluding Discharged and Terminated) as at time of enquiry
KCF-020
Part IX Debt Agreement - Part IX Debt Agreement (excluding Discharged and Terminated) as at time of enquiry
KCF-021
Discharged Bankrupt - Discharged Bankrupt (excluding Part X, and Part IX) as at time of enquiry
KCF-022
Part X Personal Insolvency Agreement Discharged - Part X Personal Insolvency Agreement Discharged as at time of enquiry
KCF-023
Part IX Debt Agreement Discharged - Part IX Debt Agreement Discharged as at time of enquiry
KCF-024
Part X Personal Insolvency Agreement Terminated - Part X Personal Insolvency Agreement Terminated as at time of enquiry
KCF-025
Part IX Debt Agreement Terminated - Part IX Debt Agreement Terminated as at time of enquiry
KCF-029
Deceased - At least 1 report has flagged the individual as deceased at time of enquiry
KCF-030
Under 18 - Individual is under 18 on their primary file
KCF-031
Current Worst Repayment Status 4+ - At least 1 open account with repayment status 4+ at time of enquiry (excludes guarantor accounts)
KCF-032
Consumer Credit Telco Application Pattern - The Telco type and frequency of credit applications can impact risk
KCF-033
Commercial Credit Application and Default Information
KCF-040
Lack of Public Adverse Information - Having no public adverse information can have an impact on risk
Canada Transunion (CAN_TU)
Value
Description
0
This verbiage is blank
1
Balance increase on credit card account
2
Balance increase on non-mortgage account
3
Balance increase on revolving account
4
Balance on account
5
Balance on bank installment account
6
Balance on credit card account
7
Balance on mortgage accounts
8
Balance on non-mortgage account
9
Balance on open credit card account
10
Balance on open mortgage account
11
Balance on open retail account
12
Balance on revolving account
13
Insufficient credit experience
14
Insufficient mortgage experience
15
Mortgage account opened in last 12 months
16
No account updated in past 12 months
17
No account updated in past 24 months
18
No account updated in past 3 months
19
No bank installment account
20
No bank installment account updated in past 12 months
21
No bank revolving account
22
No credit card account
23
No credit card account updated in past 12 months
24
No credit card or no activity on credit card in past 6 months
25
No mortgage account updated in past 12 months
26
No non-mortgage account
27
No open account
28
No open bank installment account
29
No open credit card account
30
No open mortgage account
31
No open retail account
32
No open revolving account
33
No retail account
34
No retail account updated in past 12 months
35
No revolving account
36
No revolving account recently updated
37
Presence of balance on credit card account in past 12 months
38
Presence of balance on credit card account in past 3 months
39
Presence of balance on credit card accounts
40
Presence of balance on open revolving accounts
41
Presence of balance on retail account
42
Presence of bankruptcy
43
Presence of bankruptcy, delinquency, or derogatory item
44
Presence of collection record
45
Presence of delinquency or derogatory item
46
Presence of inquiry
47
Presence of judgement
48
Presence non-discharged bankruptcy or consumer proposal
49
Presence of consumer proposal
50
Presence of public record
51
Presence of recently opened account
52
Presence of unsatisfactory open accounts
53
Recently opened account
54
Recently opened credit card account
55
Over limit on credit card account
Canada Equifax (CAN_EFX)
Value
Description
1
Average of Months Open on All Trades
2
Number of Trades Currently 90+ DPD
3
Number of Trades 60+DPD within the Last 2 Years
4
Number of Trades Ever 90+DPD Opened within Last 2 Years
5
Number of Rate 1 Trades on File
6
Number of Open Trades
7
Number of Trades with Amount Past Due
8
Number of Trades on File
9
Age of Oldest Trade
10
Percent of Rate 1 Trades to Total Trades on File
11
Worst Current Rate
12
Worst Rate Ever on All Trades
13
Number of Auto Finance Trades on File
14
Rate 1 on Open Auto Finance Trades
15
Number of Auto Finance Inquiries on File
16
Number of Bank Instalment Trades on File
17
Rate 1 on Open Bank Instalment Trades
18
Balance to High Credit on Bank Instalment Trades
19
Worst Current Rate on Bank Instalment Trades
20
Worst Rate Ever on Bank Instalment Trades
21
Number of Bank Inquiries on File
22
Number of Bank Revolving Trades on File
23
Number of Bank Revolving Trades Older than 6 Months
24
Age of Oldest Bank Revolving Trade
25
Rate 1 on Open Bank Revolving Trades
26
Balance to High Credit on Bank Revolving Trades
27
Worst Current Rate on Bank Revolving Trades
28
Worst Rate Ever on Bank Revolving Trades
29
Number of Collection Inquiries on File
30
Months Since Most Recent Collection Inquiry
31
Total Balance on Third Party Collection Items
32
Number of Third Party Collection Items within the Last 3 Years
33
Rate 1 on Open Credit Union Trades
34
Number of Finance Instalment Trades on File
35
Rate 1 on Open Finance Instalment Trades
36
Balance to High Credit on Finance Instalment Trades
37
Number of Personal Finance Inquiries in the Last Year
38
Number of Personal Finance Inquiries on File
39
Number of Finance Revolving Trades on File
40
Balance to High Credit on Finance Revolving Trades
41
Worst Rate Ever on Instalment Trades
42
Number of National Credit Cards Inquiries on File
43
Average of Months Open on National Credit Cards
44
Balance on National Credit Cards
45
Number of National Credit Card Trades Open
46
Rate 1 on Open National Credit Card Trades
47
Number of National Credit Card Trades with Utilization >= 75% of High Credit
48
Number of National Credit Card Trades with Utilization 75-99% of High Credit
49
Number of National Credit Card Trades with Utilization >= 99% of High Credit
50
Balance to High Credit on National Credit Cards
51
Balance to High Credit on National Credit Cards Opened in the Last 6 Months
52
Worst Current Rate on National Card Trades
53
Worst Rate Ever on National Card Trades
54
Number of Other Inquiries on File
55
Months Since Most Recent Public Record
56
Number of Public Records within the Last Year
57
Number of Public Records within the Last 3 Years
58
Balance to High Credit on Personal Finance Trades
59
Number of Revolving Trades with Balance > 0
60
Number of Open Revolving Trades with No Balance
61
Age of Oldest Revolving Trade
62
Number of Revolving Trades with Utilization 75-99% of High Credit
63
Number of Revolving Trades with Utilization >= 99% of High Credit
64
Balance to High Credit on Revolving Trades
65
Balance to High Credit on Revolving Trades Opened within the Last 6 Months
66
Number of Retail Trades with Balance > 0
67
Balance to High Credit on Retail Trades
68
Balance to High Credit on Sales Finance Trades
69
Worst Current Rate on Sales Finance Trades
70
Number of Telco Inquiries in the Last Year
71
Number of Telco Inquiries on File
72
Number of Inquiries on File in the Last Year
73
Number of Auto Finance, Sales Finance, National Cards, or Other Inquiries within Last Year
74
Number of Inquiries in the Last 3 Months
75
Number of Inquiries on File
76
Number of Auto Finance, Sales Finance, National Cards, or Other Inquiries on File
77
Months Since Most Recent Inquiry
78
Number of Revolving Trades with Utilization >= 75% of High Credit
S
ERS not available, File cannot be scored
F
ERS not available, File under review
D
ERS not available, Subject deceased
I
ERS not available, no recent activity
Q
ERS not available, no qualifying Accounts present
92
Clean, Mature and Very Thick
93
Clean, Mature and Thick
94
Clean and Thick
95
Clean and Thin
96
Prior Delinquency Thick
97
Prior Delinquency Thin
98
Delinquent Thick
99
Delinquent Thin
Mexico Círculo de Crédito (MEX_CDC)
Value
Description
A0
Payment history of the account is too new
A1
Latest report from the account in arrears status
A2
Amount of credit available in revolving accounts
A3
Amount of debt accounts is too high
A4
Amount of debt in the bank national in revolving accounts
A5
Amount of debt ranked in billing
A6
Amount of debt arrears accounts
A7
Amount of debt in accounts recently opened is too high
A8
Amount of debt in revolving accounts recently open of bank national is very high
A9
Amount of debt in accounts recently opened in finance companies to consumer is too high
B0
Amount of debt in accounts recently opened in retail is too high
B1
Amount of debt in revolving accounts recently opened is too high
B2
Amount of debt accounts of financing company in open sales recently is very high
B3
Amount of debt in the accounts of retail
B4
Amount of revolving debt accounts
B5
Amount of debt revolving credit accounts is too high
B6
Amounts overdue accounts
D0
Reported bankruptcy
D1
Date last very recent consultation
D2
Arrears on accounts
D3
Arrears in recently opened accounts
D4
Elimination of public record or collection reported
D5
The frequency of late payments
D6
Level of delinquency on accounts
D7
serious arrears
D8
Serious arrears and public record or collection reported
D9
Serious arrears, public record deleted, or collections reported
E0
Demographic Information
E1
Foul demographic information
E2
Number of consultations
E3
Frequency of consultations
E4
Lack of recent account information
E5
Amount of debt in the public records eliminated
E6
Proportion of blaance of limit accounts
F0
Available Payment history is insufficient
F1
Lack of credit accounts recently created
F2
Lack of revolving accounts recently created
F3
Lack of recent self-financing loan information
F4
Lack of recent auto loan information
F5
Lack of recent information from bank national revolving
F6
Lack of recent information information on accounts of consumer finance companies
F7
Lack of recent loan information
F8
Lack of recent information on mortgage loans
F9
Lack of recent information of non-mortgage loans
G0
Lack of recent retail account information
G1
Lack of recent revolving account information
G2
No mortgages reported
G3
No information revolving balances Latest Banks National
G4
No information of recent non-mortgage balances
G5
No retail account balances
G6
No recent revolving balances
J0
Time Duration of accounts have been established
J1
Time Duration of car accounts have been established
J2
Time Duration of revolving bank accounts nationals have established
J3
Time Duration of the loans of consumer finance companies have been established
J4
Time Duration of the installment loans have been established
J5
Duration Time of the reported mortgage accounts have been established
J6
Time Duration of the open installment loans have been laid
J7
Time Duration of the retailers accounts have been established
J8
Time Duration of the revolving accounts have been established
J9
Time since account activity is too long
K0
Time since arrears is too recent or unknown
K1
Time elapsed since the elimination of the public record or collection is too short
K2
Time since most recent account opening is too short
K3
Time since the most recent automatic account opening is too short
K4
Time elapsed since the opening of revolving account bank national most recent is too short
K5
Time elapsed since the opening account of consumer finance companies latest is too short
K6
Time elapsed since the opening of loan account to most recent deadlines is too short
K7
Time elapsed since account opening retail most recent.
K8
Time elapsed since the most recent revolving account opened
K9
Very little time has elapsed since the most recent account opened of 'sales finance'
M0
It has a number of accounts currently in default
M1
Number of 'marked' unpaid accounts
M2
Number of accounts with unpaid recent
M3
Number of active revolving accounts bank national
M4
Number of active accounts 'retail'
M5
Number of adverse repealed public records
M6
Number of revolving accounts bank national with balances
M7
Number of revolving accounts bank national
M8
Number of revolving accounts or other revolving accounts bank national
M9
Number of registered collections
N0
Number of accounts 'consumerfinancecompany ' set on the length of the history of consumer
N1
Number of consultations by consumer finance companies
N2
Number of established accounts
N3
Number of 'open installment loans '
N4
Number of recently opened accounts with consumer finance companies
N5
Number of accounts 'retail'
N6
Number of accounts 'retail' with balance
N7
Number of revolving accounts
N8
ber of revolving accounts with balances higher than its limit
P0
The proportion of the balance vs. limit auto loan accounts is too high
P1
The proportion of the balance vs. limit on accounts in arrears is very high
P2
The proportion of the balance vs. limit on consumer finance accounts is too high
P3
The proportion of the balance vs. limit on the accounts of 'retail' is very high
P5
The proportion of the balance vs. credit limit on national revolving accounts or other revolving accounts is very high
P6
The proportion of the balance vs. credit limits on revolving accounts is too high
P7
The proportion of the balance vs. limit 'financecompany sales' is very high
P8
The proportion of the balance vs. the mortgage loan is very high
P9
The proportion of loan balance vs the loan amount is very high
Q0
The proportion of revolving balances vs total balances is very high
Q1
The proportion of balances vs to credit limits of revolving accounts bank national is too high
R0
Very few accounts have been paid as agreed
R1
Very few accounts with balances
R2
Very few accounts with recent payment information
R3
Very few active accounts
R4
Very few revolving accounts bank national
R5
Very few revolving accounts bank national with recent payment information
R6
Very few accounts with consumer finance companies with recent payment information
R7
Very few accounts of 'installment '
R8
Very few accounts of 'retail '
R9
Very few accounts of 'retail' with recent payment information
S0
Very few revolving accounts
S1
Very few revolving accounts with recent payment information
S2
Very few accounts of 'financecompany sales' with recent payment information
T0
Many accounts opened recently
T1
Many accounts with balances
T2
Many revolving accounts bank national
T3
Many accounts of consumer finance companies
T4
Many accounts of 'installment '
T5
Many queries in the past 12 months
T6
Many active accounts recently
T7
Many car accounts recently active
T8
Many revolving accounts bank national recently active
T9
Many accounts of consumer finance companies recently active
U0
Many accounts of 'installment loan' recently active
U1
Many accounts of 'retail' recently active
U2
Many accounts 'financecompany sales' recently active
U4
Many recently opened accounts with balances
U5
Many revolving accounts banknational newly opened
U6
Many accounts of consumer finance companies recently opened
U7
Many accounts of 'installment' recently opened
U8
Many accounts of 'retail' recently opened with balances
U9
Many recently opened revolving accounts
V0
Many recently opened revolving accounts with balances
V1
Many accounts 'financecompany sales' recently opened
V2
Many accounts of 'retail'
V3
Many revolving accounts
V4
Many revolving accounts bank national recently active with balances
W3
Number of accounts 'subprime'
W4
Lack of recent information to card charge
W5
No balances to card charge recently
W6
The proportion of the balance vs credit limits on accounts 'charge cards' is very high
W7
Without balances of recent account.
W8
The proportion of 'Cash Advances' vs. 'Cash Advance Limit' is very high
W9
Cash Advance Activity on Accounts
X0
Pending payments on accounts
C1
There is no record
C2
The record found without accounts
C3
The record found is marked as deceased
C4
The record found has no active accounts in the last 24 months
C5
The file is marked as fraudulent or suspect fraud
SC
Score could not be calculated
Korea NICE (KOR_NICE)
Value
Description
1003
The age is not subject to scoring
1008
The person requested should not be scored
1001
Not subject to scoring
2050
No history of credit bureau consortium delinquency or default
2051
Credit bureau consortium delinquency existed but only for a short term
2100
Credit transaction without difficulty in debt repayment
2101
No difficulty in debt repayment
2108
Very long history of credit transactions
2109
Relatively long history of credit transactions
2105
Credit card being actively used without delinquency
2106
Mostly low interest loans exist
2107
No risks from multiple loans exist
3314
Credit management history currently remains in financial institutions
3073
Long-term delinquency record (transaction record) currently remains
3315
Currently having public data history
3316
Currently having other credit assessment records
3301
Under credit rehabilitation support
3317
Credit assessment record has been recently lifted
3318
Excessive history of credit assessment data on past transactions
3319
History of credit assessment data on past transactions
3083
Currently having an excessive credit bureau consortium delinquency for over 60 days
3084
Currently having credit bureau consortium delinquency for over 60 days
3085
Currently having an excessive credit bureau consortium delinquency for over 30 days
3086
Currently having credit bureau consortium delinquency for over 30 days
3087
Currently having an excessive credit bureau consortium delinquency for less than 30 days
3088
Currently having credit bureau consortium delinquency for less than 30 days
3089
Having an excessive credit bureau consortium delinquency for over 60 days in the past year
3090
Having credit bureau consortium delinquency for over 60 days in the past year
3091
Having an excessive credit bureau consortium delinquency for over 30 days in the past year
3092
Having credit bureau consortium delinquency for over 30 days in the past year
3093
Having an excessive credit bureau consortium delinquency for less than 30 days in the past year
3094
Having credit bureau consortium delinquency for less than 30 days in the past year
3095
Having an excessive credit bureau consortium delinquency for over 60 days in the past two years
3096
Having credit bureau consortium delinquency for over 60 days in the past two years
3098
Having credit bureau consortium delinquency for over 30 days in the past two years
3100
Having credit bureau consortium delinquency for less than 30 days in the past two years
3101
Having an excessive credit bureau consortium delinquency for over 60 days in the past three years
3102
Having credit bureau consortium delinquency for over 60 days in the past three years
3104
Having credit bureau consortium delinquency for over 30 days in the past three years
3106
Having credit bureau consortium delinquency for less than 30 days in the past three years
3113
Currently having over KRW 100M of loans excluding house mortgage
3320
Currently having over KRW 50M of loans excluding house mortgage
3115
Currently having over KRW 100M of total loan balance
3118
Currently having an excessive loan data
3112
Currently having loans excluding house mortgage
3119
Currently having an excessive guarantee data
3307
Too frequent cash advance service recently
3308
Frequent cash advance service recently
3311
Very short credit transaction history (Less than one year)
3312
Short credit transaction history (Less than three years)
S15
Person whose residential registration number was changed
S16
Court bankruptcy or rehabilitation history
S09
Person eligible for credit rehabilitation support
S17
Holder of credit decision data (KFB)
S18
Customer holding credit assessment data (Credit information service)
S19
Over KRW 100K delinquency for over 90 days
S07
Holder of public data
S08
Holder of a record of disrupting financial order
S20
No recent financial transaction data available; loan history available
S21
No recent financial transaction data available, credit card history available
S22
No recent financial transaction data available
S23
Short financial transaction period (less than six months) and no data available
S24
Valid financial transaction history not available except for card record
Nigeria CRC (NGA_CRC)
Value
Description
A0
Account payment history is too new to rate on credit report
A1
Accounts last reported are in delinquent status on credit report
A2
Amount of credit available on revolving/charge accounts is low relative to the other applicants scored
A3
Amount owed on accounts is too high relative to the other applicants scored
A5
Amount owed on the collections filed is high relative to the other applicants scored
A6
Amount owed on the delinquent accounts is high relative to the other applicants scored
A7
Amount owed on recently started accounts is too high relative to the other applicants scored
A9
Amount owed on recently started consumer finance company accounts is too high relative to the other applicants scored
B0
Amount owed on recently started retail accounts is too high relative to the other applicants scored
B1
Amount owed on recently started revolving/charge accounts is too high relative to the other applicants scored
B2
Amount owed on recently started sales finance company accounts is too high relative to the other applicants scored
B3
Amount owed on retail accounts is high relative to the other applicants scored
B4
Amount owed on revolving/charge account is high relative to the other applicants scored
B5
Amount owed on revolving/charge account is too high relative to the other applicants scored
B6
Amount past due on accounts is high relative to the other applicants scored
D0
Bankruptcy filed
D1
The date of the last enquiry is too recent
D2
There is delinquency on the accounts on credit report
D3
There is delinquency on the recently started accounts on the credit report
D4
There is derogatory adverse record or collection filed on the credit report
D5
The frequency of delinquency is high relative to the other applicants scored
D6
Level of delinquency on the accounts is high relative to the other applicants scored
D7
There is serious delinquency on the accounts on the credit report
D8
There is serious delinquency on the accounts, adverse record or collection filed on the credit report
E0
Applicant is young relative to the other applicants scored
E1
Demographic information about the applicant is missing
E2
The number of enquiries is high relative to the other applicants scored
E3
The frequency of enquiries is high relative to the other applicants scored
E4
Lack of recent account information on the credit report
E5
Amount owed on derogatory adverse record is high relative to the other applicants scored
E6
Proportion of balance to limit on accounts is high relative to the other applicants scored
F0
The loan payment history is insufficient on the credit report
F1
Lack of recently established credit accounts on the credit report
F2
Lack of recently established revolving/charge accounts on the credit report
F3
Lack of recent auto finance loan information on the credit report
F4
Lack of recent auto loan information on the credit report
F6
Lack of recent consumer finance company account information on the credit report
F7
Lack of recent loan information on the credit report
F8
Lack of recent mortgage loan information on the credit report
F9
Lack of recent non-mortgage loan information on the credit report
G0
Lack of recent retail account information on the credit report
G1
Lack of recent revolving/charge account information on the credit report
G2
No mortgage loan reported on the credit report
G4
No recent non-mortgage balance information on the credit report
G5
No recent retail balance reported on the credit report
G6
No recent revolving/charge balance reported on the credit report
J0
The length of time accounts have been established on the credit report is short relative to the other applicants scored
J1
The length of time auto loans have been established on the credit report is short relative to the other applicants scored
J3
The length of time consumer finance company loans have been established on the credit report is short relative to the other applicants scored
J4
The length of time loans have been established on the credit report is short relative to the other applicants scored
J5
The length of time reported on mortgage accounts is short relative to the other applicants scored
J6
The length of time open loans have been established on the credit report is short relative to the other applicants scored
J7
The length of time retail accounts have been established on the credit report is short relative to the other applicants scored
J8
The length of time revolving/charge accounts have been established is short relative to the other applicants scored
J9
Time since account activity on the credit report is too long relative to the other applicants scored
K0
Time since delinquency on the credit report is too long relative to the other applicants scored
K1
Time since derogatory adverse record or collection on the credit report is too short relative to the other applicants scored
K2
Time since most recent account opening on the credit report is too short relative to the other applicants scored
K3
Time since most recent auto account opening on the credit report is too short relative to the other applicants scored
K5
Time since most recent consumer finance company account opening on the credit report is too short relative to the other applicants scored
K6
Time since most recent loan account opening on the credit report is too short relative to the other applicants scored
K7
Time since most recent retail account established on the credit report is short relative to the other applicants scored
K8
Time since most recent revolving/charge account established on the credit report is short relative to the other applicants scored
K9
Time since most recent sales finance company account opening on the credit report is too short relative to the other applicants scored
M0
Number of accounts currently in delinquent status on the credit report is high relative to the other applicants scored
M1
Number of accounts with delinquency on the credit report is high relative to the other applicants scored
M2
Number of accounts with recent delinquency on the credit report is high relative to the other applicants scored
M4
Number of active retail accounts on the credit report is high relative to the other applicants scored
M5
Number of adverse records on the credit report is high relative to the other applicants scored
M9
Number of collections filed on the credit report is high relative to the other applicants scored
N0
Number of consumer finance company accounts established relative to the length of consumer finance history is high relative to the other applicant
N1
Number of consumer finance company enquiries on the credit report is high relative to the other applicants scored
N2
Number of established accounts on the credit report is high relative to the other applicants scored
N3
Number of open loans on the credit report is high relative to the other applicants scored
N4
Number of recently started consumer finance company accounts on the credit report is high relative to the other applicants scored
N5
Number of retail accounts on the credit report is high relative to the other applicants scored
N6
Number of retail accounts with balances on the credit report is high relative to the other applicants scored
N7
Number of revolving/charge accounts is high relative to the other applicants scored
N8
Number of revolving/charge accounts with balance higher than limit is high relative to the other applicants scored
P0
Proportion of balance to limit on auto loan accounts on the credit report is too high relative to the other applicants scored
P1
Proportion of balance to limit on delinquent accounts on the credit report is too high relative to the other applicants scored
P2
Proportion of balance to limit on consumer finance company accounts on the credit report is too high relative to the other applicants scored
P3
Proportion of balance to limit on retail accounts on the credit report is too high relative to the other applicants scored
P6
Proportion of balance to limit on revolving/charge accounts on the credit report is too high relative to the other applicants scored
P7
Proportion of balance to limit on sales finance company accounts on the credit report is too high relative to the other applicants scored
P8
Proportion of balance to loan amount on mortgage loans on the credit report is too high relative to the other applicants scored
P9
Proportion of loan balance to loan amount on the credit report is too high relative to the other applicants scored
Q0
Proportion of revolving/charge balances to total balance is too high relative to the other applicants scored
R0
Too few accounts on the credit report are currently paid as agreed
R1
Too few accounts with balances on the credit report
R2
Too few accounts with recent payment information on the credit report
R3
Too few active accounts on the credit report
R6
Too few consumer finance company accounts with recent payment information on the credit report
R7
Too few loan accounts on the credit report
R8
Too few retail accounts on the credit report
R9
Too few retail accounts with recent payment information on the credit report
S0
Too few revolving/charge accounts on the credit report
S1
Too few revolving/charge accounts with recent payment information on the credit report
S2
Too few sales finance company accounts with recent payment information on the credit report
T0
Too many accounts recently started on the credit report
T1
Too many accounts with balances on the credit report
T3
Too many consumer finance company accounts on the credit report
T4
Too many loan accounts on the credit report
T5
Too many recent enquiries on the credit report
T6
Too many recently active accounts on the credit report
T7
Too many recently active auto accounts on the credit report
T9
Too many recently active consumer finance company accounts on the credit report
U0
Too many recently active loans on the credit report
U1
Too many recently active retail accounts on the credit report
U2
Too many recently active sales finance accounts on the credit report
U4
Too many recently started accounts with balances on the credit report
U6
Too many recently started consumer finance company accounts on the credit report
U7
Too many recently started loan accounts on the credit report
U8
Too many recently started retail accounts with balances on the credit report
U9
Too many recently started revolving/charge accounts on the credit report
V0
Too many recently started revolving/charge accounts with balances on the credit report
V1
Too many recently started sales finance company accounts on the credit report
V2
Too many retail accounts on the credit report
V3
Too many revolving/charge accounts on the credit report
W4
Lack of recent charge card account information on the credit report
W5
No recent charge card balance on the credit report
W6
Proportion of balance to credit limit on charge card accounts is too high relative to the other applicants scored
X0
Payments are due on accounts on the credit report
Z0
Legal actions present on the credit report
Z1
Time since legal action on the credit report is too recent
Z2
Unsettled legal items present on credit report
Table 8. credit_type
Values of the credit_type field.
Value
Description
REVOLVING
I.e. credit cards
FIXED
I.e. mortgages
Table 9. tradeline_type
Values of the tradeline_type field. Those marked deprecated are now reported as a combination of tradeline_type and tradeline_subtype. Reports generated prior to 2018-02-21 may contain deprecated values. New reports generated after 2018-02-21 will not contain deprecated values.
Value
Description
CREDIT_CARD
Any credit-card type falls into this category. This can be a secured or unsecured card, retail cards, commercial cards, and more
PERSONAL
Any loan for personal use
REAL_ESTATE
Any loan for a building or building-related uses fall into this category. This can be a mortgage, HTLOC, real estate, warehouse, or a loan for a home improvement
STUDENT
Any loan for educational purposes
UTILITY
Any loan to cover utilities. Examples are mobile usage bills, cable bills, electricity bills, and more
VEHICLE_AUTO
Any loan or lease for a vehicle that is a car
VEHICLE_OTHER
Any loan or lease for a vehicle that is not a car
UNKNOWN
OTHER
COMMERCIAL
Deprecated
CONSUMER
Deprecated
CHANGED_STRUCTURE
Deprecated
MORTGAGE
Deprecated
Table 10. tradeline_status
Values of the tradeline_status field and its mapping to tradeline_open field. Those marked deprecated are now reported as a combination of tradeline_status and tradeline_substatus. Reports generated prior to 2018-02-21 may contain deprecated values. New reports generated after 2018-02-21 will not contain deprecated values.
Value
tradeline_open
Description
ACTIVE
True
Active and nothing past due
CLOSED
False
The tradeline has been closed
DEFAULT_WRITE_OFF
False
The applicant refused to make payments and defaulted or the tradeline was written off by the credit grantor (collections unsuccessful)
DEFAULT_OUTSTANDING
False
The applicant refused to make payments and defaulted and the credit grantor is waiting to receive money
TRANSFER_SOLD
False
The tradeline has been transferred or sold
DISPUTED
The tradeline's status is in dispute by the consumer
INACTIVE
False
The tradeline is inactive
LOST
False
The tradeline's status is marked as erroneous due to fraudulent activity or lost by consumer
PAST_DUE
True
The applicant currently has past due payments on this tradeline
REPOSSESSION
False
The tradeline has been repossessed by the credit grantor
RESTRUCTURED
True
The tradeline has been financially restructured
SETTLED
False
The applicant and the creditor have agreed to settle with some agreement to close the tradeline
OTHER
There was unexpected behavior with this tradeline. In some cases the tradeline may be open, and in other cases the tradeline may be closed
UNKNOWN
The tradeline's status is unknown
SUIT
Deprecated
WRITTEN_OFF
Deprecated
DEFAULT
Deprecated
Table 11. responsibility
Values of the responsibility field.
Value
Description
INDIVIDUAL
The individual is solely responsible for the tradeline
JOINT
The individual is jointly responsible
AUTHORIZED_USER
The individual is an authorized user
OTHER
JOINT_OBLIGATOR
Deprecated
Table 12. collateral_type
Values of the collateral_type field.
Value
Description
PROPERTY
Some form of property. As an example, this can be a home or a building used for commercial purposes
VEHICLE
Any type of vehicle
EQUITY
Any type of equity or financial products. I.e. options, futures, or other financial contracts
INSURANCE
Backed by an insurance company
OTHER
Table 13. address_type
Values of the address_type field.
Value
Description
HOME
The address was listed as the individual's home
BUSINESS
A business address
POST_OFFICE_BOX
A mailing address
OTHER
Table 14. identifier_type
Values of the identifier_type field.
Value
Description
RATION_CARD
DRIVER_LICENSE
PASSPORT
CURP
Unique ID code both citizens and residents of Mexico (Clabe Unica de Registro de Poblacion)
RFC
In Mexico, a legal entity such as a company or a person is assigned two tax ID numbers including the RFC
VOTER_ID
PAN
Permanent Account Number is a code that acts as an identification for Indian nationals, especially those who pay Income Tax
SSN
Social security number
RESIDENT_IDENTITY_CARD
Official document for personal identification in the People's Republic of China
OTHER
Table 15. bank_account_type
Values of the bank_account_type field.
Value
Description
CHECKING
Checking account
SAVINGS
Savings account
OTHER
Table 15a. bank_account_subtype
Values of the bank_account_subtype field.
Value
Description
PERSONAL
Personal account
JOINT
Joint account
BUSINESS
Business account
OTHER
Table 16. bank_account_status
Values of the bank_account_status field.
Value
Description
OPEN
Open account
CLOSED
Closed account
INACTIVE
Inactive account
NOT_FOUND
Account not found
OTHER
Table 17. other_asset_type
Values of the other_asset_type field.
Value
Description
PROPERTY
Property asset
OTHER
Table 18. public_record_type
Values of the public_record_type field.
Value
Description
BANKRUPTCY
Bankruptcy
FORECLOSURE
Foreclosure (mortgage)
GARNISHMENT
Garnishment
SECURED_LOAN
Secured loan
DIRECTORSHIP
Directorship
DISQUALIFIED_DIRECTORSHIP
Disqualified Directorship
REGISTERED_BUSINESS
Registered Business
REPOSSESSION
Repossession
TAX
Tax
OTHER
Table 19. public_record_status
Values of the public_record_status field.
Value
Description
SATISFIED
The public record was marked as satisfied
SETTLED
The public record was marked as settled
UNSETTLED
The public record was marked as unsettled
DISMISSED
The public record was marked as dismissed
DISPUTED
The public record was disputed
OTHER
Table 20. collection_status
Values of the collection_status field.
Value
Description
PAID
The collection was marked as paid
UNPAID
The collection was marked as unpaid
DISPUTED
The collection was disputed
OTHER
Table 21. other_income_frequency
Values of the frequency field for other_incomes. This value represents how often the applicant receives non-salaried income.
Value
Description
MONTHLY
The non-salaried employment pays monthly
ANNUAL
The non-salaried employment pays annually
FIXED
The non-salaried employment pays at once, e.g., project-based commissions
OTHER
Table 22. dispute_type
Values of the dispute_type field for disputes.
Value
Description
DISPUTE
The applicant's credit report was disputed
CORRECTION
The dispute was corrected and reflected in the applicant's credit report
OTHER
Table 23. notice_type
Values of the notice_type field for notices.
Value
Description
BUREAU_COMMENT
The bureau left a comment about the applicant's credit report
BUREAU_ALERT
The bureau left an alert about the applicant's credit report
CONSUMER_STATEMENT
The consumer left a free-form statement on their credit report
OTHER
Table 24. tradeline_subtype
Values of the tradeline_subtype field.
Value
Description
SECURED
Any loan or lease that is backed by collateral
COMMERCIAL
Any loan or lease for commercial use
CONSUMER
Any loan or lease for consumer use
INSURANCE
Insurance-related tradeline
LEASE_RENTAL
Any credit related to a rental or lease rather than ownership
MORTGAGE
Mortgage-related tradeline
Table 25. tradeline_substatus
Values of the tradeline_substatus field.
Value
Description
CONSUMER
The tradeline's status is attributed to the consumer
CREDITOR
The tradeline's status is attributed to the creditor
UNKNOWN
It is unknown whom the tradeline's status is attributable to
OTHER
There was unexpected behavior with this tradeline
Table 26. inquiry_subtype
inquiry_subtype is returned as part of an array via inquiries.
Value
Description
CREDIT_CARD
Credit card-related inquiry
REAL_ESTATE
Real estate-related inquiry
PERSONAL
Personal use
VEHICLE
Vehicle-related inquiry
COMMERCIAL
Commercial-related inquiry
INSURANCE
Insurance-related inquiry
MONITORING
Monitoring-related inquiry
TENANT
Tenant-related inquiry
Table 27. metric_name
Values of the metric_name field. To configure the set of metrics provided in your API response, contact your Nova Representative.
Name
Label
AGE_INQUIRY_MOST_RECENTLY_REPORTED
Age of Most Recently Reported Inquiry (months)
AGE_INQUIRY_OLDEST
Age of Oldest Inquiry (months)
AGE_TRADELINE_MOST_RECENTLY_REPORTED
Age of Most Recently Reported Tradeline (months)
AGE_TRADELINE_OLDEST_MORTGAGE
Age of Oldest Mortgage Tradeline (months)
AGE_TRADELINE_OLDEST_REVOLVING
Age of Oldest Revolving Tradeline (months)
AGE_TRADELINE_OLDEST
Age of Oldest Tradeline (months)
COUNT_BANKRUPTCIES
Bankruptcies
COUNT_COLLECTIONS
Number of Collections
COUNT_DISPUTES
Dispute Records
COUNT_FORECLOSURES
Foreclosures
COUNT_FRAUDS
Fraud Records
COUNT_GARNISHMENTS
Garnishments
COUNT_INQUIRIES_LAST_SIX_MONTHS
Inquiries Last 6 Months
COUNT_INQUIRIES_LAST_TWELVE_MONTHS
Inquiries Last 12 Months
COUNT_INQUIRIES
Inquiries
COUNT_PAYMENTS_LATE_120_DAYS
Payments 120 Days Late
COUNT_PAYMENTS_LATE_30_DAYS
Payments 30 Days Late
COUNT_PAYMENTS_LATE_60_DAYS
Payments 60 Days Late
COUNT_PAYMENTS_LATE_90_DAYS
Payments 90 Days Late
COUNT_PAYMENTS_ON_TIME
On Time Payments
COUNT_PAYMENTS_PAST_DUE_12_MONTHS_OVER_60_DAYS
Tradelines 60 Days Past Due in Past 12 Months
COUNT_PAYMENTS_PAST_DUE_12_MONTHS_OVER_90_DAYS
Payments 90 Days Past Due in Past 12 Months
COUNT_PAYMENTS_PAST_DUE_6_MONTHS_OVER_60_DAYS
Payments 60 Days Past Due in Past 6 Months
COUNT_TRADELINES_DELINQUENT_120_DAYS
Tradelines Delinquent 120 Days
COUNT_TRADELINES_DELINQUENT_30_DAYS
Tradelines Delinquent 30 Days
COUNT_TRADELINES_DELINQUENT_60_DAYS
Tradelines Delinquent 60 Days
COUNT_TRADELINES_DELINQUENT_90_DAYS
Tradelines Delinquent 90 Days
COUNT_TRADELINES_DELINQUENT
Tradelines Delinquent
COUNT_TRADELINES_OPEN_COLLATERALIZED
Open Collateralized Tradelines
COUNT_TRADELINES_OPEN_MORTGAGE
Open Mortgage Tradelines
COUNT_TRADELINES_OPEN_REVOLVING
Open Revolving Tradelines
COUNT_TRADELINES_OPEN
Open Tradelines
COUNT_TRADELINES_PAST_DUE_CURRENTLY_OVER_30_DAYS
Current Payments 30 Days Past Due
COUNT_TRADELINES_PAST_DUE_CURRENTLY_OVER_60_DAYS
Current Payments 60 Days Past Due
COUNT_TRADELINES
Tradelines
RATIO_CREDIT_UTILIZATION_REVOLVING
Revolving Credit Utilization Ratio
RATIO_CREDIT_UTILIZATION
Credit Utilization Ratio
RATIO_ON_TIME_PAYMENTS
On Time Payment Ratio
TOTAL_DEBT_MORTGAGE
Total Debt (Mortgage)
TOTAL_DEBT_NON_MORTGAGE
Total Debt (Non-Mortgage)
TOTAL_DEBT_NON_REVOLVING
Total Debt (Non-Revolving)
TOTAL_DEBT_REVOLVING
Total Debt (Revolving)
TOTAL_DEBT
Total Debt
TOTAL_MONTHLY_INSTALLMENTS_MORTGAGE
Total Monthly Installments (Mortgage)
TOTAL_MONTHLY_INSTALLMENTS_NON_MORTGAGE
Total Monthly Installments (Non-Mortgage)
TOTAL_MONTHLY_INSTALLMENTS
Total Monthly Installments
KOR_NICE_TOTAL_CREDIT_CARDS
Open Credit Card Tradelines
KOR_NICE_COUNT_OPEN_GUARANTEES
Amount Owing on Open Credit Card Tradelines
KOR_NICE_TOTAL_OPEN_GUARANTEES
Open Guarantee Tradelines
KOR_NICE_COUNT_OPEN_LOANS
Amount Owing on Open Guarantee Tradelines
KOR_NICE_TOTAL_OPEN_LOANS
Open Installment Loans
KOR_NICE_COUNT_CREDIT_CARDS
Amount Owing on Open Installment Loans
Table 28. metric_status
Values of the metric_status field.
Value
Description
AVAILABLE
Metric is available for this report
UNAVAILABLE_REPORT
Metric is unavailable for this report due to lack of underlying data
UNAVAILABLE_BUREAU
Metric is unavailable for this report because of bureau-specific constraints
Table 29. metric_source
Values of the metric_source field.
Value
Description
NOVA
This data was calculated from the report data by Nova
BUREAU
This data was provided in the report by the foreign bureau
This data is a series of values over given increments of time
Table 33. education
Values of the education field.
Value
GRADE_SCHOOL
HIGH_SCHOOL
HIGHER_EDUCATION
POST_GRADUATE
Table 34. product inquiry_type
Values of the inquiry_type set for your product in the Nova dashboard.
Value
MONITORING
CREDIT_CARD
VEHICLE_AUTO
VEHICLE_OTHER
MORTGAGE
PERSONAL
STUDENT
UTILITY
COMMERCIAL
CONSUMER
TENANT
OTHER
Table 35. id_status
Values of the id_status field.
Value
Description
ACTIVE
Active
PENDING
Pending
CANCELED
Canceled
SUSPENDED
Suspended
Table 36. interval
Values of the interval field.
Value
WEEKLY
BI_WEEKLY
SEMI_MONTHLY
MONTHLY
BI_MONTHLY
QUARTERLY
SEMI_ANNUAL
ANNUAL
Error Codes & Responses
At Nova we distinguish between two status message deliveries:
1. Delivered by Nova to the webhook1
2. If you call a resource endpoint Nova provides a status in the response
Resource Endpoint Errors
When an error occurs while calling the endpoints the Nova servers send back a JSON object with the following format:
{
error: 'UNKNOWN_CUSTOMER',
terminated: true,
}
Error Codes
The Nova endpoints return the following HTTP status codes and error messages:
Code
Text
Description
200
-
Everything went well and the requested resource is either in the body or in the generic text field depending on the content-type
400
MALFORMED_HEADERS
The request headers are incorrectly formatted
400
MISSING_INPUT
An input is missing that the endpoint expected
408
REQUEST_TIMEOUT
The request timed out
403
UNKNOWN_CUSTOMER
The public_id or client_id Nova received in the request from is not recognized
403
UNAUTHORIZED
The client_id and secret_key combination is not recognized. Please email support via support@neednova.com
403
ORIGIN_UNAUTHORIZED
The origin of the request is not whitelisted on the Nova servers for CORS
401
EXPIRED_TOKEN
The access_token you're sending in the request headers has expired. Please request a new one
404
INVALID_TOKEN
The public_token or access_token is not valid for reasons other than expiration
404
PDF_NOT_FOUND
The PDF you're requesting cannot be found when hitting the PDF retrieval endpoint
404
PDF_PENDING
The PDF is still being generated and not yet available for review when hitting the PDF retrieval endpoint
500
INTERNAL_ERROR
Something went wrong. Please send a note to support@neednova.com with additional details so we can investigate
This is a sample response of the Nova Credit Passport. Not all possible data values are present.
Changelog
We're always working to improve the Nova Credit platform! Here's a snapshot of API features we're shipping and bugs we're squashing.
Important updates
We recently released V2 of our API! These changes allow you a more intuitive way to parse through tradeline history data. We recommend you update to V2 as soon as possible. See details
Changelog History
June 2019
Added AUTHORIZED_USER as a possible value for the responsibility field in the tradelines node.
Added is_credit_seeking as a possible field to the inquiries node. Reports generated prior to June 18, 2019 will not contain this field.
July 2018
Added bureau_report_id to the meta node.
June 2018
Updated the invite endpoint to accept an array called enabledPrefills, so invites sent via the endpoint can be prefilled for applicants. Learn more
