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  • API Reference Overview

    Introduction

    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 applicants 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/<version>/pdf, which returns a pdf.

    Endpoints

    Our API host is api.novacredit.com

    Our resource URL patterns are:

    Value Description
    /connect/accesstoken Retrieves an access token for an applicant's Nova Credit Passport
    /connect/passport/<version>/json Retrieves an applicant's Nova Credit Passport in JSON form
    /connect/passport/<version>/pdf Retrieves an applicant's Nova Credit Passport in PDF form

    Our JSON and PDF Passport endpoints use versions to support breaking changes and backwards compatibility. The version should be specified as part of the resource URI (e.g.: api.novacredit.com/connect/passport/v3/json). You may read documentation for v2 here and for v1 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 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:

    Unique Parameters

    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***
    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)
    Mexico Buro de Credito (MEX_BDC)
    Korea NICE (KOR_NICE)
    Nigeria CRC (NGA_CRC)
    Brazil Experian (BRA_XP)
    China Chengxin Credit (CHN_CCX)
    Kenya Creditinfo (KEN_CI)
    Dominican Republic TransUnion (DOM_TU)
    Philippines CRIF (PHL_CRIF)

    *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.

    **Where available, we provide score reason codes generated directly by our bureau partners. In certain cases, our bureau partners do not generate score reason codes. Instead, Nova Credit uses the consumer credit data provided by the bureau to generate score reason codes using our own proprietary approach based on standard industry practices. We use this approach for scores from the following bureau partners: Brazil Experian (BRA_XP), Great Britain Equifax (GBR_EFX), India Crif High Mark (IND_CHM), and India CIBIL (IND_CIBIL).

    ***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.

    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.

    In general, the Default User for each bureau has a low risk profile and clean credit history. User 2 typically has a medium risk profile, and User 3 has a very high risk profile.

    Australia Equifax (AUS_EFX)

    Inputs Default User User 2 User 3
    First name Samantha Charlotte Noah
    Last name O'Connor Williams Taylor
    Date of birth 03-30-1991 07-01-1991 09-20-1960
    Email address samantha@email.com charlotte@email.com noah@email.com
    Gender Female Female 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

    Canada TransUnion (CAN_TU)

    Inputs Default User User 2 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 04-25-1973 05-04-1955 10-11-1960
    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 1/3 675 UPPER JAMES ST BANK OF MONTREAL ONTARIO
    Question 2/3 CAR LOANS CANADA NONE OF THE ABOVE 408 SCOOBY RD
    Question 3/3 THE BAY CREDIT CARD 208 EMBARCADERO S MAIN STREET WEST

    Canada Equifax (CAN_EFX)

    Inputs Default User User 2 User 3
    First name Emma Chris Allen
    Last name Smith Jerrold Mikey
    Email emma@email.com chris@email.com allen@email.com
    Date of birth 10-25-1989 01-11-1954 12-16-1967
    SIN 111222333 111220231
    Address 1966 Eglinton Avenue East 2320 16 Avenue Northwest 10520 111 Avenue Northwest
    City Toronto Calgary Edmonton
    Province Ontario (ON) Alberta (AB) Alberta (AB)
    Postal code M1L 2M6 T2N 4H8 T5G 0B6
    Question 1/3 None of the above Chartwell Road HSBC
    Question 2/3 None of the above NSLSC 2014
    Question 3/3 2333 0231 8888

    China Chengxin Credit (CHN_CCX)

    Inputs Default User User 2 User 3
    Chinese name 张三 徽因 望舒
    Chinese resident ID 123456199001011233 110101198001236685 110101199001017559
    Email zhangsan@email.com huiyin@email.com wangshu@email.com
    Chinese mobile number 13800138000 13800138000 13800138000

    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 10-25-1989 01-04-1988 12-30-1987
    Street address 177 Brompton Road 11 Granby Road 4 Aaron Road
    Post town London Bournemouth Cirencester
    Post code SW31NF BH9 3NZ GL7 6JD
    Question 1/3 (mobile phone/cable/credit card) Vodafone None of the above Barclays
    Question 2/3 (current account opened/credit limit) Barclays £ 2000 - £ 2500 None of the above
    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 10-25-1989 02-06-1976 10-11-1966
    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 ADIPA8123J AFUPJ7365N AAWPH3050M
    Voter ID number 86953789734322 866849897356234 95134121422221
    Question 1 RBL Bank None of the above 36,000
    Question 2 New Delhi ICICI Bank Yes Bank
    Question 3 2005 7 2

    India TransUnion CIBIL (IND_CIBIL)

    Inputs Default User User 2 User 3
    First name Anik Astha Sai Vijay
    Last name Shah Dutta Pratap Krish
    Date of birth 11-26-1992 01-28-1986 01-13-1995
    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 10-25-1989 12-12-1972 06-03-1982
    Email address juan@email.com xavier@email.com alexis@email.com
    Street name and number 357 Avenida Insurgentes Sur 2 Calle James Sullivan 1 Miguel Laurent
    City Ciudad de México Ciudad de México Ciudad de México
    Zipcode 06100 06470 03200
    State Ciudad de México (CDMX) Ciudad de México (CDMX) Ciudad de México (CDMX)
    Do you have an active mortgage in Mexico? No No Yes
    Have you had an auto loan in the last 2 years in Mexico? Yes Yes No
    Do you have an active credit card in Mexico? Yes Yes No
    Provide the last 4 digits of any of your Mexican credit cards 0000 4827

    Mexico Buro de Credito (MEX_BDC)

    Inputs Default User User 2 User 3
    First name Lara Alejandra Mitzi
    Second name del Rosario Maria Manuela
    Father's last name Ortega Hernández Martínez
    Mother's last name Fuentes García Márquez
    Date of birth 05-06-1992 11-06-1992 10-26-1999
    Email address lara@email.com alejandra@email.com mitzi@email.com
    Street name and number Jaime Balmes #8 Calle Ozuluama 4 Av. Benjamín Franklin 45
    City Ciudad de México Ciudad de México Ciudad de México
    District/Town Los Morales Polanco Hipódromo Colonia Condesa
    Zipcode 11510 06100 06140
    State Ciudad de México (CDMX) Ciudad de México (CDMX) Ciudad de México (CDMX)
    Do you have an active mortgage in Mexico? Yes Yes No
    Have you had an auto loan in the last 2 years in Mexico? No No No
    Do you have an active credit card in Mexico? Yes Yes No
    Provide the last 4 digits of any of your Mexican credit cards 1234 1910

    Korea NICE (KOR_NICE)

    Inputs Default User User 2 User 3
    Full name 이지훈 신은선 박수진
    Date of birth 10-20-1975 11-01-1990 04-30-1994
    Email jihoon@email.com eunsun@email.com soojin@email.com
    Gender Male Female Female
    Phone number +1 (415) 555-5555 +1 (408) 590-4123 +1 (420) 143-1738

    Nigeria CRC (NGA_CRC)

    Inputs Default User User 2 User 3
    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 03-25-1980
    CPF number 170.719.241-39
    Email address ana@email.com

    Kenya Creditinfo (KEN_CI)

    Inputs Default User User 2 User 3
    First name Wangechi Naliaka Vincent
    Last name Mwangi Makani Abong'o
    Date of birth 05-05-1980 01-27-1988 04-20-1994
    National ID 40133214 30581375 31665491
    Email address wangechi@email.com naliaka@email.com vincent@email.com
    Name of the financial institution where you took your last non-mobile loan Kenya Commercial Bank Ltd Chase Bank (K) Ltd. Standard Chartered Bank Kenya
    When did you take out your last non-mobile loan? 2016-08 2016-07 2016-08
    Have you ever taken a mobile loan? Yes Yes Yes
    Which of these is the last four digits of a past or current Kenyan mobile phone number? 6006 3737 2550

    Dominican Republic TransUnion (DOM_TU)

    Inputs Default User User 2 User 3
    Full name Jean Carlos Rodriguez Garcia Juana Mercedes Toribio Reyes Maria Jose Maderas Troncoso
    Date of birth 08-06-1993 04-18-1963 09-22-1981
    National ID 11700074831 00200106557 00200994465
    Email address jean@email.com juana@email.com maria@email.com
    Question 1 Ninguna de las anteriores Ninguna de las anteriores Ninguna de las anteriores
    Question 2 Ninguna de las anteriores Ninguna de las anteriores 1
    Question 3 1 3 1
    Question 4 No Si Si
    Question 5 Ninguna de las anteriores Ninguna de las anteriores EMIGK

    Phillipines CRIF (PHL_CRIF)

    Inputs Default User User 2 User 3
    First name Althea Carla Rose Eudeza
    Last name Mendoza Osmena Racadag
    Date of birth 10-05-1966 11-27-1990 10-04-1964
    Gender Female Female Female
    Email address althea@email.com carlarose@email.com eudeza@email.com
    TIN (Taxpayer Indentification Number) 194569511 878765576 110325579
    SSS (Social Security System) Number 0123456789 9639948488
    GSIS (Government Service Insurance System) Number 90123456789 77749345432
    Question 1 ANTIPOLO CITY, RIZAL, PHILIPPINES (THE) Romulades 4042
    Question 2 39 2017 weekly installments-7 days
    Question 3 Yearly installments-360 days monthly installments-30 days 2016
    Question 4 A R weekly installments-7 days
    Question 5 825 monthly installments-30 days 2016
    Question 6 3 125000 4042

    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

    Simulating Different Cases in NovaConnect

    When using NovaConnect in sandbox mode, you may input one of the following values in the Last Name field (in some country forms, the Father's last name or Full name field) to more conveniently simulate different cases:

    Inputs Description
    bureaudown Simulates the error shown when a bureau is offline or unresponsive
    error Simulates generic NovaConnect error
    timeout Simulates the countdown shown to an applicant who has failed their first attempt and not completed a second

    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", "V3", or "V4". 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

    Webhooks are the POST requests Nova uses to inform you that a credit file is ready for pick-up. Only one terminal status outcome is sent per widget open; suppressed outcomes are recorded and attached to the webhook in the history node.

    We post the request to the webhook callback URL that you provide. Webhooks can be managed in the Developer tab on the Dashboard, where you must set your callback URL and can toggle your event subscriptions on and off. Some events or statuses are subscribed to by default.

    The POST request contains one of the status codes listed below in its JSON body:

    Status Code/Event 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@novacredit.com with the publicToken
    BUREAU_UNRESPONSIVE* The applicant has encountered a bureau outage while going through the widget. They may need to go through NovaConnect again at a later time
    UNSUPPORTED_COUNTRY* The applicant has credit history in a country that is not yet supported. There is no Nova Credit Passport™ to retrieve

    * Indicates that you are not subscribed to this event by default. You must visit the Developer tab in the Dashboard to subscribe to this event.

    The webhook request will be sent out with the following JSON body:

    {
        status: 'SUCCESS',
        publicToken: '6b986690-458b-11e7-98fb-a71570ea65a6',
        userArgs: '235234224',
        unsupportedCountry: 'AFG',
        history: [
            {
                status: 'SUCCESS',
                companyCode: 'IND_CHM',
                dateAttempted: '2019-09-26T32:20:50.52Z' // newest timestamp
            },
            {
                status: 'NOT_FOUND',
                companyCode: 'IND_CHM',
                dateAttempted: '2019-09-26T32:18:50.52Z' // oldest timestamp, corresponding to the time at which the NovaConnect application was begun
            },
        ] 
    }
    

    Please see descriptions of the data in the webhook body in the table below:

    Webhook Body Key Description of the Value
    status Terminal status or event type (see status code table above) corresponding to this request
    publicToken Unique UUID associated with this status, which can be used to retrieve the Nova Credit Passport™
    userArgs Optional string passed in by the Nova Credit customer (you) with this application. This key will only be present if userArgs was passed in
    unsupportedCountry The country selected from the Unsupported Country Form. This key will only be present if you are subscribed to UNSUPPORTED_COUNTRY events
    history An array containing 1 or more objects, containing data on all of the statuses an applicant has reached within one NovaConnect widget instance, sorted by most recent to least recent
    companyCode Foreign bureau or data supplier for this history object
    dateAttempted Timestamp marking when this corresponding history object was begun

    For more information, please visit the server integration section in our NovaConnect Quickstart guide.

    Passport Structure

    Example of the JSON structure of the Nova Credit Passport™ response:
    {
      "meta": {
        ...
      },
      "personal": {
        ...
      },
      "product": {
        ...
      },
      "currencies": [
        ...
      ],
      "scores": [
        ...
      ],
      "tradelines": [
        ...
      ],
      "bank_accounts": [
        ...
      ],
      "public_records": [
        ...
      ],
      "frauds": [
        ...
      ],
      "collections": [
        ...
      ],
      "nonsufficient_funds": [
        ...
      ],
      "addresses": [
        ...
      ],
      "employers": [
        ...
      ],
      "disputes": [
        ...
      ],
      "notices": [
        ...
      ],
      "metrics": [
        ...
      ],
    }
    

    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:

    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:

    Passport™ Body

    meta {}

    Example meta response:
    
    {
      "meta": {
        "public_token": "ff0886a4-f3ff-11e6-bc64-92361f002671",
        "pdf_name": "raj_du_92361f002671",
        "user_args": "235234224",
        "callback_URL": "http://mydomain.com/nova",
        "callback_URL_called_date": "2017-01-13T11:07:59.51Z",
        "created_at": "2017-01-13T11:07:46.51Z",
        "country": "IND",
        "company_code": "IND_CHM",
        "api_version": "3.6.85",
        "consent_version": "1.4.73",
        "bureau_report_id": "214abi4fop1a4"
      },
      ...
    }
    

    Information specific to the report that's been returned.

    Field Format Notes
    public_token UUID The unique identifier of this report
    pdf_name String File name of the associated PDF report
    user_args String The input of the userArgs function in NovaConnect
    callback_URL URI The callback URL defined by the integrating partner
    callback_URL_called_date Timestamp
    created_at Timestamp The date the credit report was retrieved
    country ISO 3166-1 alpha-3 Origin country of the applicant See country
    country_destination ISO 3166-1 alpha-3 Destination country, the country the creditor operates in See country
    company_code String Code representing the country & foreign bureau used to pull report See company_code
    api_version Full version The API version used to generate this report
    consent_version Full version The consent version the applicant agreed to
    bureau_report_id String The foreign bureau's unique report identifier

    personal {}

    Example personal response:
    
    {
      "personal": {
          "first_name": "Raj",
          "last_name": "Du",
          "full_name": "Raj Du",
          "email": "rajdu@email.com",
          "telephone": "+9146270422",
          "date_of_birth": "1989-10-25"
        },
      ...
    }
    

    Information specific to the applicant whose credit report is being accessed.

    Field Format Notes
    first_name String
    last_name String
    full_name String Combination of the applicant's first and last name. For Mexico, this is the first name, father's last name, then mother's last name.
    middle_name String
    transliterated_full_name String Romanization of applicant's full name
    other_names String A comma-separated list of other names associated with applicant, such as aliases, maiden names, and other surnames
    email String
    telephone String
    date_of_birth Full Date
    is_deceased Bool
    date_of_death Full Date or short date Only provided if is_deceased is true

    product {}

    Example product response:
    
    {
      "product": {
        "name": "Village Communities",
        "product_id": "9cf178e0-760e-11e7-abf3-5da9d338ae4b",
        "inquiry_type": "TENANT"
      },
      ...
    }
    

    Details of the product the applicant applied for. Please refer to the Product reference in the Quickstart Guide.

    Field Format Notes
    name String Product name as specified in Nova Dashboard
    product_id UUID
    inquiry_type String See product inquiry types

    currencies []

    Example currencies response:
    
    {
      "currencies": [{
        "original": "INR",
        "target": "USD",
        "rate": "0.015",
        "source": "ECB",
        "date": "2017-01-12"
      }],
      ...
    }
    
    

    An array of currencies found in the response and information relating to their conversion.

    Field Format Notes
    original ISO 4217 The original currency the values were returned in
    target ISO 4217 The currency the original currency was converted to
    rate String The daily rate at which the conversion was made. Can be coerced to float
    source String See currency_source
    date Full Date or Short Date The date at which the conversion occurred

    scores []

    Example scores response:
    {
      "scores": [{
          "score_type": "NOVA_SCORE_BETA",
          "score_version": "1.0.5",
          "value": 798,
          "risk_indicator": "MEDIUM_RISK",
          "history": [
            {
              "value": 798,
              "risk_indicator": "MEDIUM_RISK",
              "date_reported": "2019-02-28"
            }
            ...
          ],
        },
        {
          "score_type": "FOREIGN_SCORE",
          "value": "992",
          "risk_indicator": "LOW_RISK",
          "adverse_action_codes": [{
            ...
          }, {
            ...
          }],
          "history": [
            {
              "value": "992",
              "risk_indicator": "LOW_RISK",
              "date_reported": "2019-02-28",
              "adverse_action_codes": [],
            },
            ...
          ],
        }
      ],
      ...
    }
    

    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.

    Field Format Notes
    score_type String See score_type
    score_version Full version Only applies if score_type is NOVA_SCORE_BETA
    value Integer OR String Value of the score. Integer if type NOVA_SCORE_BETA, string otherwise.
    risk_indicator String See risk_indicator
    prob_default Deprecated
    adverse_action_codes Array See adverse_action_codes
    history Array See history

    history

    A child to scores, history is an array of historical scores and associated data.

    Field Format Notes
    date_reported Full Date or short date Date at which historical score object was reported.
    value Integer OR String Value of the score. Integer if type NOVA_SCORE_BETA, string otherwise.
    risk_indicator String See risk_indicator
    prob_default Deprecated
    adverse_action_codes Array See adverse_action_codes

    adverse_action_codes

    Example response from the adverse_action_codes array:
    ...,
      "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 either provided directly by the foreign bureau partner or generated by Nova Credit using the consumer credit data provided by the foreign bureau partner, 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.

    Field Format Notes
    code String See adverse_action_codes by bureau
    description String

    tradelines []

    Example response from the tradelines array:
    {
      "tradelines": [{
        "tradeline_id": "44dd200a-f404-11e6-bc64-92361f002671",
        "institution": "CITIBANK",
        "original_currency": "INR",
        "date_opened": "2012-12-22",
        "date_last_reported": "2017-01-01",
        "worst_arrears_amount": "3921",
        "past_due_balance": 0,
        "current_pay_status": "CURRENT",
        "scheduled_payment": 500,
        "history_frequency": "MONTHLY",
        "portfolio_type": "REAL_ESTATE",
        "account_type": "MORTGAGE",
        "current_condition_type": "TRANSFER_SOLD",
        "current_condition_status": "ACTIVE",
        "responsibility": "INDIVIDUAL",
        "account_number": "345974563420587453",
        "balance": 1104,
        "high_balance": 1502,
        "credit_limit": 4100,
        "payment_obligation_frequency": "MONTHLY",
        "history": [{
          ...
        }, {
          ...
        }]
      }]
    }
    

    Tradelines refer to the applicant's previous and current credit-related products that they have held in 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
    translated_institution String Translated name of the lending institution
    original_currency ISO 4217
    date_opened Full Date or Short Date
    date_last_reported Full Date or Short Date
    date_closed Full Date or Short Date
    last_payment_amount Integer
    past_due_balance Integer
    current_pay_status String See current_pay_status
    current_pay_substatus String See current_pay_substatus
    scheduled_payment Integer
    history_frequency String See history_frequency
    portfolio_type String See portfolio_type
    account_type String See account_type
    current_condition_type String See current_condition_type
    current_condition_status String See current_condition_status
    responsibility String See responsibility
    balance Integer
    high_balance Integer
    credit_limit Integer
    is_open Bool
    is_collateralized Bool
    original_loan Integer
    history Array See history
    payment_obligation_frequency String See payment_obligation_frequency
    comments Array See comments

    history

    Monthly history example over three years:
    {
      "history": [{
        "year": "2016",
        "payments": [null, null, null, 1, 1, 1, 0, 0, 0, 0, 0, 0],
        "balances": [0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0],
        "credit_limits": [710, 710, 710, 710, 710, 710, 710, 710, 710, 710, 710, 700],
      }, {
        "year": "2015",
        "payments": [0, 0, 1, 2, 2, 0, 0, 0, -1, -1, -1, -1],
        "balances": [0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0],
        "credit_limits": [710, 710, 710, 710, 710, 710, 710, 710, 710, 710, 710, 700],
      }]
    }
    

    A child to tradelines, history refers to the applicant's tradeline activity. history is returned in an array and can have zero objects or a maximum of 7 objects (one object per year).

    The format of history depends on the history_frequency value of the tradeline, which will most often be MONTHLY.

    There are multiple histories that the history node reports and are denoted by separate keys in each history object. See the list of supported histories by country at the bottom of the page.

    Field Description Format Notes
    year Integer{4} YYYY
    payments A history of payments made. Credit accounts only Array null = N/A payment, out of range
    -1 = reported but unknown specifics
    0 = paid on time
    1 = Less than or equal to 1 pay period late
    2 = Less than or equal to 2 pay periods late
    3 = Less than or equal to 3 pay periods late
    4 = Less than or equal to 4 pay periods late
    5 = 5 or more pay periods late
    balances A history of the tradeline's account balances. Credit accounts only Array null = N/A payment, out of range
    credit_limits A history of the tradeline's credit limits. Credit accounts only Array null = N/A payment, out of range

    history_frequency explanation

    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 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.

    Available Histories by Country

    payments balances credit_limits
    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)
    Mexico Buro de Credito (MEX_BDC)
    Australia Equifax (AUS_EFX)
    Korea NICE (KOR_NICE)
    Nigeria CRC (NGA_CRC)
    Brazil Experian (BRA_XP)
    Kenya Creditinfo (KEN_CI)
    Dominican Republic TransUnion (DOM_TU)
    Philippines CRIF (PHL_CRIF)

    bank_accounts []

    Example response from the bank_accounts array:
    {
      "bank_accounts": [{
        "bank_account_id": "8c46ab70-d485-11e7-a5ca-95dbcbcedd5b",
        "bank_account_type": "CHECKING",
        "responsibility": "INDIVIDUAL",
        "date_last_reported": "2017-11-01",
        "date_opened": "2015-07-19",
        "current_pay_status": "CURRENT",
        "institution": "HSBC",
        "is_overdraftable": false,
        "is_overdrawn": false,
        "balance": 20048,
        "original_currency": "GBP",
        "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.

    Field Format Notes
    bank_account_id UUID Reference ID of the bank account
    bank_account_type String See bank_account_type
    date_last_reported Full Date or Short Date
    date_opened Full Date or Short Date
    date_closed Full Date or Short Date
    current_pay_status String When no overdraft has ever occurred on the bank account, this field can be blank. See current_pay_status
    current_pay_substatus String When no overdraft has ever occurred on the bank account, this field can be blank. See current_pay_substatus
    institution String Name of the institution providing the account
    translated_institution String Translated name of the institution providing the account
    is_overdraftable Bool The bank account has an overdraft facility
    is_overdrawn Bool Indicates if an overdraft event occurred in the past
    responsibility String See responsibility
    balance Integer
    original_currency ISO 4217
    comments Array See comments

    Supported Bureaus

    bank_accounts
    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)
    Mexico Buro de Credito (MEX_BDC)
    Australia Equifax (AUS_EFX)
    Korea NICE (KOR_NICE)
    Nigeria CRC (NGA_CRC)
    Brazil Experian (BRA_XP)
    Kenya Creditinfo (KEN_CI)
    Dominican Republic TransUnion (DOM_TU)
    Phillipines CRIF (PHL_CRIF)

    public_records []

    Example response from the public_records array:
    {
      "public_records": [{
        "public_record_id": "8c463646-d485-11e7-a5ca-95dbcbcedd5b",
        "public_record_type": "FORECLOSURE",
        "is_resolved": true,
        "date_filed": "2014-06-01",
        "court_name": "ABERDARE",
        "date_last_reported": "2014-08-01",
        "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.

    Field Format Notes
    public_record_id UUID Reference ID of the public record
    public_record_type String See public_record_type
    is_resolved Bool
    date_filed Full Date or Short Date
    court_name String
    date_last_reported Full Date or Short Date
    comments Array See comments

    Supported Bureaus

    public_records
    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)
    Mexico Buro de Credito (MEX_BDC)
    Australia Equifax (AUS_EFX)
    Korea NICE (KOR_NICE)
    Nigeria CRC (NGA_CRC)
    Brazil Experian (BRA_XP)
    Kenya Creditinfo (KEN_CI)
    Dominican Republic TransUnion (DOM_TU)
    Philippines CRIF (PHL_CRIF)

    frauds []

    Example response from the frauds array:
    {
      "frauds": [{
        "fraud_id": "03b93250-d48f-11e7-88ec-19158430af0e",
        "date_reported": "2016-12-12",
        "is_fraudster": false,
        "comments": [ ... ],
        "linked_entries": {
            "tradeline_id": "b81a8c70-2c0f-11e9-9850-970c057b105f",
        },
      }],
    }
    

    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
    date_reported Full date
    is_fraudster Bool
    comments Array See comments
    linked_entries Object See linked_entries

    Supported Bureaus

    frauds
    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)
    Mexico Buro de Credito (MEX_BDC)
    Australia Equifax (AUS_EFX)
    Korea NICE (KOR_NICE)
    Nigeria CRC (NGA_CRC)
    Brazil Experian (BRA_XP)
    Kenya Creditinfo (KEN_CI)
    Dominican Republic TransUnion (DOM_TU)
    Philippines CRIF (PHL_CRIF)

    collections []

    Example response from the collections array:
    {
      "collections": [{
        "collection_id": "be8955a0-d490-11e7-96f4-cf5a894bdd5d",
        "is_paid": true,
        "agency_name": "METRO RECOVERY",
        "date_last_reported": "2015-11-01",
        "balance": 176,
        "date_filed": "2016-07-01",
        "date_last_payment": "2015-11-01",
        "original_currency": "CAD",
        "comments": [ ... ],
        "linked_entries": {
            "tradeline_id": "b81a8c70-2c0f-11e9-9850-970c057b105f",
        },
      }]
    }
    

    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.

    Field Format Notes
    collection_id UUID Reference ID of the collection
    is_paid Bool
    agency_name String Collection agency name
    date_last_reported Full Date or Short Date
    balance Integer Amount still owed to agency
    date_filed Full Date or Short Date Date collection was given to collection agency
    date_last_payment Full Date or Short Date
    original_currency ISO 4217
    statement String Full description of the collection
    comments Array See comments
    linked_entries Object See linked_entries

    Supported Bureaus

    collections
    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)
    Mexico Buro de Credito (MEX_BDC)
    Australia Equifax (AUS_EFX)
    Korea NICE (KOR_NICE)
    Nigeria CRC (NGA_CRC)
    Brazil Experian (BRA_XP)
    Kenya Creditinfo (KEN_CI)
    Dominican Republic TransUnion (DOM_TU)
    Philippines CRIF (PHL_CRIF)

    nonsufficient_funds []

    Example response from the nonsufficient funds array:
    {
      "nonsufficient_funds": [{
        "nonsufficient_fund_id": "be8955a0-d490-11e7-96f4-cf5a894bdd5d",
        "nonsufficient_date": "2015-03-01",
        "date_last_reported": "2015-07-01",
        "comments": [ ... ],
        "linked_entries": {
            "bank_account_id": "b81a8c70-2c0f-11e9-9850-970c057b105f",
        },
      }]
    }
    

    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
    nonsufficient_date Full Date or Short Date Date initially reported
    date_last_reported Full Date or Short Date
    comments Array See comments
    linked_entries Object See linked_entries

    Supported Bureaus

    nonsufficient_funds
    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)
    Mexico Buro de Credito (MEX_BDC)
    Australia Equifax (AUS_EFX)
    Korea NICE (KOR_NICE)
    Nigeria CRC (NGA_CRC)
    Brazil Experian (BRA_XP)
    Kenya Creditinfo (KEN_CI)
    Dominican Republic TransUnion (DOM_TU)
    Philippines CRIF (PHL_CRIF)

    inquiries []

    Example of two inquiries within the inquiries array:
    {
      "inquiries": [
        {
          "inquiry_id": "f9609e9e-f404-11e6-bc64-92361f002671",
          "inquiry_date": "2016-09-22",
          "company_name": "HSBC INC",
          "is_credit_seeking": true
        },
        {
          "inquiry_id": "08dd0f88-f405-11e6-bc64-92361f002671",
          "inquiry_date": "2016-09-22",
          "company_name": "BANK OF INDIA",
          "is_credit_seeking": true,
          "comments": ["Some comment"]
        }
      ],
      ...
    }
    

    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.

    Field Format Notes
    inquiry_id UUID Reference ID of the inquiry
    is_credit_seeking Bool Whether the inquiry is soft (false) or hard (true)
    inquiry_date Full Date or Short Date
    company_name String
    translated_company_name String
    comments Array See comments

    Supported Bureaus

    inquiries
    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)
    Mexico Buro de Credito (MEX_BDC)
    Australia Equifax (AUS_EFX)
    Korea NICE (KOR_NICE)
    Nigeria CRC (NGA_CRC)
    Brazil Experian (BRA_XP)
    Kenya Creditinfo (KEN_CI)
    Dominican Republic TransUnion (DOM_TU)
    Philippines CRIF (PHL_CRIF)

    employers []

    Example of the employers array:
    {
      "employers": [
        {
          "employer_id": "682ed21e-f405-11e6-bc64-92361f002671",
          "company_name": "Google Mexico",
          "annual_salary": 50000
        }
      ],
      ...
    }
    

    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
    annual_salary Integer
    original_currency ISO 4217 Only provided if annual_salary exists
    date_reported Full Date or Short Date

    Supported Bureaus

    employers
    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)
    Mexico Buro de Credito (MEX_BDC)
    Australia Equifax (AUS_EFX)
    Korea NICE (KOR_NICE)
    Nigeria CRC (NGA_CRC)
    Brazil Experian (BRA_XP)
    Kenya Creditinfo (KEN_CI)
    Dominican Republic TransUnion (DOM_TU)
    Philippines CRIF (PHL_CRIF)

    addresses []

    Example of the addresses array:
    {
      "addresses": [
        {
          "address_id": "043d133c-f406-11e6-bc64-92361f002671",
          "address": "2 Nhavi Street, Khar East, Mumbai, 400052, Maharashtra",
          "date_reported": "2015-05-19"
        }
      ],
      ...
    }
    

    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.

    Field Format Notes
    address_id UUID Reference ID of this address
    address String The entire address that was returned
    street String
    neighborhood String
    district String
    city String
    zipcode String
    state String
    date_reported Full Date or Short Date

    disputes []

    Example response from the disputes array:
    {
      "disputes": [{
        "dispute_id": "03b93250-d48f-11e7-88ec-19158430af0e",
        "date_reported": "2016-12-12",
        "statement": "This data has been disputed by the individual concerned.",
        "linked_entries": {
            "tradeline_id": "b81a8c70-2c0f-11e9-9850-970c057b105f",
            "public_record_id": "b81a8c70-2c0f-11e9-9850-970c057b105f",
            "collection_id": "b81a8c70-2c0f-11e9-9850-970c057b105f"
        },
      }],
    }
    

    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.

    Field Format Notes
    dispute_id UUID Reference ID of the dispute
    date_reported Full date
    statement String Full description of the dispute
    comments Array See comments
    linked_entries Object See linked_entries

    Supported Bureaus

    disputes
    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)
    Mexico Buro de Credito (MEX_BDC)
    Australia Equifax (AUS_EFX)
    Korea NICE (KOR_NICE)
    Nigeria CRC (NGA_CRC)
    Brazil Experian (BRA_XP)
    Kenya Creditinfo (KEN_CI)
    Dominican Republic TransUnion (DOM_TU)
    Philippines CRIF (PHL_CRIF)

    notices []

    Example response from the notices array:
    {
      "notices": [{
        "notice_id": "03b93250-d48f-11e7-88ec-19158430af0e",
        "notice_type": "BUREAU COMMENT",
        "date_reported": "2016-12-12",
        "statement": "Successful inquiry by other SIC",
      }],
    }
    

    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.

    Field Format Notes
    notice_id UUID Reference ID of the notice
    notice_type String See notice_type
    date_reported Full date
    statement String Full description of the notice

    Supported Bureaus

    notices
    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)
    Mexico Buro de Credito (MEX_BDC)
    Australia Equifax (AUS_EFX)
    Korea NICE (KOR_NICE)
    Nigeria CRC (NGA_CRC)
    Brazil Experian (BRA_XP)
    Kenya Creditinfo (KEN_CI)
    Dominican Republic TransUnion (DOM_TU)
    Philippines CRIF (PHL_CRIF)

    comments []

    {
      ...,
      "comments": [
        { key: "JT", value: "Joint account" },
        { key: "AC", value: "Account closed" }
      ]
    }
    

    Several nodes of passport contain a comments property, which is an array of 0 or more objects with two fields--key and value. Each element of comments is a note from the bureau about that node.

    linked_entries {}

    {
      ...,
      "linked_entries": {
          "tradeline_id": "",
          "public_record_id": "",
          "collection_id": "",
          "bank_account_id": "",
      }
    }
    

    Several nodes of passport contain a linked_entries property, which is an object of UUID values. For some countries, we know that a dispute, for example, is tied to a tradeline as it comes in the form of a trade narrative code or similar. In those cases we create an entry in the disputes node and form a link with linked_entries.tradeline_id to the related tradeline. We cannot always infer a link, and in those cases we do not populate these fields. The following links will exist where the leaf will have a link to the parent:

    The following situations could appear and this is how we solve them for now:

    Q: Trade can be both tied to a dispute and tied to an external collection. Is the collection automatically disputed as well?

    A: If we have enough information to ascertain that disputing both is a reasonable approach, we will create a dispute entry and link both the tradeline and the collection entry. If the dispute flag is specific to the collection or trade and not both (which are themselves linked together) we will only link one to the dispute. We do not infer more than we can, but by default if the trade contains a dispute flag and it's generic to the entire record, we will also dispute the collection if that is on the same record.

    Q: Could a circular dependency exist?

    A: No, a trade can be disputed, but a trade cannot be created from a dispute. Similar logic for other nodes.

    metrics []

    Example of three metrics within the metrics array:
    {
      "metrics": [
        {
          "metric_status": "AVAILABLE",
          "metric_source": "NOVA",
          "metric_name": "AGE_TRADELINE_OLDEST",
          "metric_value": 32,
          "metric_label": "Age of Oldest Tradeline (months)",
          "metric_format": "NUMERIC",
          "metric_type": "AGE_MONTHS"
        },
        {
          "metric_status": "AVAILABLE",
          "metric_source": "NOVA",
          "metric_name": "RATIO_CREDIT_UTILIZATION_REVOLVING",
          "metric_value": 0.40103270223752152,
          "metric_label": "Revolving Credit Utilization Ratio",
          "metric_format": "NUMERIC",
          "metric_type": "RATIO"
        },
      ],
      ...
    }
    

    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; the array can have zero objects, and there is no upper bound.

    By default, eight metrics are included in every response:

    You can remove these metrics or add additional metrics to your reports by contacting your Nova Representative. Once configured, the ordering and size of the metrics array is consistent across API responses (with the exception of bureau summary data, noted below).

    It is possible that you will want to reconfigure these metrics after your initial integration with our API; please consider an approach that permits adding and removing metrics without incurring additional integration work. If you have configured customized metrics, or intend to in the future, please contact your Nova Representative for additional examples, details, and advice. It is particularly important that you discuss the mechanics of your metric integration if it relies on a fixed ordering or maximum number of metrics.

    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.

    Field Format Notes
    metric_name String See metric_name
    metric_value Number Value of the metric
    metric_status String See metric_status
    metric_source String See metric_source
    metric_label String See metric_label
    metric_type String See metric_type
    metric_format String See metric_format
    most_recent_date Full Date or short date Date of first instance in the values array (Timeseries only)
    metric_timeseries Object See metric_timeseries
    metric_range Array 2-length numeric array of [lowerbound, upperbound] inclusive range

    metric_timeseries

    Object containing values and interval of timeseries data

    Field Format Notes
    interval String Time interval between metrics in the values array (Timeseries only) See interval
    values Array Array of timeseries data

    Tables

    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
    KEN Kenya
    DOM Dominican Republic
    PHL Philippines

    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
    MEX_BDC Mexico Buro de Crédito
    AUS_EFX Australia Equifax
    KOR_NICE Korea NICE
    NGA_CRC Nigeria CRC
    BRA_XP Brazil Experian
    CHN_CCX China Chengxin Credit
    KEN_CI Kenya Creditinfo
    DOM_TU Dominican Republic TransUnion
    PHL_CRIF Philippines CRIF

    currency_source

    Values of the currency_source field.

    Value Description
    ECB European Central Bank
    OER Open Exchange Rates

    score_type

    Values of the score_type field.

    Value Description
    FOREIGN_SCORE The score provided by the foreign bureau
    NOVA_SCORE_BETA The Nova Score is currently in beta

    risk_indicator

    Values of the risk_indicator field.

    Value Score Range
    VERY_HIGH_RISK 300 - 579
    HIGH_RISK 580 - 639
    MEDIUM_RISK 640 - 699
    LOW_RISK 700 - 749
    VERY_LOW_RISK 750 - 850

    adverse_action_codes by bureau

    Values of the adverse_action_codes field where provided by a bureau partner. Not all credit bureaus provide adverse action codes.

    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-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

    Brazil Experian (BRA_XP)

    Value Description
    0 Presence of delinquent or derogatory account
    1 Amount owed on delinquent or derogatory accounts is too high
    2 Notification of insufficient funds

    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

    Great Britain Equifax (GBR_EFX)

    Value Description
    0 Too many missed payments
    1 Presence of delinquent or derogatory account
    2 Insufficient credit experience
    3 Number of inquiries is too high
    4 Revolving credit utilization is too high
    5 Too few real estate loans
    6 Presence of recent inquiry
    7 Number of open accounts is too low

    India Crif High Mark (IND_CHM)

    Value Description
    0 Too many missed payments
    1 Presence of delinquent account
    2 Presence of derogatory mark
    3 Revolving credit utilization is too high
    4 Too few real estate loans
    5 Presence of recent inquiry
    6 Insufficient credit experience

    India CIBIL (IND_CIBIL)

    Value Description
    0 Too many missed payments
    1 Presence of delinquent account
    2 Too few real estate loans
    3 Presence of derogatory mark
    4 Revolving credit utilization is too high
    5 Number of inquiries is too high
    6 Insufficient credit experience

    Mexico Círculo de Crédito (MEX_CDC)

    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
    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 Demographic Information
    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
    F3 Lack of recent auto finance loan information on the credit report
    F4 Lack of recent auto loan 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
    G1 Lack of recent revolving/charge account information 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
    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
    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
    K6 Time since most recent loan account opening on the credit report is too short relative to the other applicants scored
    M1 Number of accounts with delinquency 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
    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
    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
    P1 Proportion of balance to limit on delinquent 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
    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
    R7 Too few loan accounts on the credit report
    S0 Too few revolving/charge accounts on the credit report
    T0 Too many accounts recently started on the credit report
    T1 Too many accounts with balances 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
    U4 Too many recently started accounts with balances on the credit report
    U7 Too many recently started loan accounts on the credit report
    V3 Too many revolving/charge accounts on the credit report
    X0 Payments are due on accounts on the credit report
    C1 The file does not exist in database
    C2 File found has only demographic data without active accounts or show accounts inactive in last 24 months
    C3 The person under file found is listed as deceased
    C4 The file found does not have active accounts in the last 24 months
    C5 The person under file found is listed as fraudulent
    SC Score not calculated because service is temporarily unavailable or query taking too long

    Mexico Buro de Crédito (MEX_BDC)

    Value Description
    1 Level of indebtedness
    4 Recent inquiry
    5 Recent overdue payment
    7 Open delinquent accounts
    9 Short average age of open accounts
    12 Higher-risk loan type
    13 Number of open accounts
    14 Ratio of revolving to non-revolving loans
    15 Significant use of revolving credit limits
    16 Time since the last account was opened
    17 Months since the last late payment
    18 Age of oldest open account
    20 Ratio of delinquent accounts to on-time accounts
    21 Frequent or recent late payments
    24 Loans with significant delinquency
    27 Multiple closed loans
    28 High ratio of balance to maximum loan amount
    29 Percentage of new accounts in the last 24 months
    31 Frequent or recent late payments
    32 Ratio of delinquent payments to on-time payments
    33 Higher-risk loan type
    34 Accounts with recent delinquency
    51 Payment in good standing
    52 Payment in good standing
    53 Payments in good standing
    54 Payments in good standing
    55 Delinquent loans
    56 New loans with delinquency
    57 Loans with history of delinquency
    58 Loans with overdue payments
    59 Loans with payments 90 days past due
    60 Loans with payments 90 days past due
    61 Loans with payments 90 days past due
    -001 Deceased consumer
    -005 Dossier with all accounts closed, and at least one account overdue for 90 days or more
    -006 Dossier with all accounts less than 6 months old and at least one with MOP>=03
    -007 Dossier with all accounts less than 6 months old and at least one with MOP>=02
    -008 The dossier does not have even one account updated in the last year or one at least 6 months old, and/or with accounts that are not included in the BC-Score calculation
    -009 Dossier without accounts for the BC-Score calculation

    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

    Kenya Creditinfo (KEN_CI)

    Value Description
    AGE1 Young age group
    BAD1 Customer in default
    BTP1 Very high ratio of balance to principal on at least one non-mobile contract
    BTP2 High ratio of balance to principal on at least one non-mobile contract
    DIS1 Subject disputes data
    DPM1 Very high number of days past due on mobile contract last 6 months
    DPM2 High number of days past due on mobile contract last 6 months
    GUD1 Serious delinquencies on at least one guarantor contract last 12 months
    INQ1 Inquiries from too many different subscribers last 6 months
    INQ2 Inquiries from many different subscribers last 6 months
    INQ3 Inquiries from several different subscribers last 6 months
    MDE1 5 or more months with serious delinquencies last 12 months
    MDE2 2 or more months with serious delinquencies last 12 months
    MLA1 At least one closed non-mobile contract with small principal last 9 months
    MML1 Subject has missed 3 or more payments more than 1 year ago
    MML2 Subject has missed 1 or 2 payments more than 1 year ago
    MSS1 Serious delinquencies last 3 months
    MSS2 Serious delinquencies last 6 months
    MSS3 Serious delinquencies last 11 months
    MSS4 Serious delinquencies last 16 months
    NBC1 6 or more contracts were active recently
    NBC2 5 or more contracts were active recently
    NBC3 3 or more contracts were active recently
    NBC4 2 contracts were active recently
    NCO1 3 or more non-mobile contracts were started last 9 months
    NCO2 2 non-mobile contracts were started last 9 months
    NPO1 No closed non-mobile contracts last 2 years
    NSI1 1 or more missed payments last 2 months
    NSI2 1 or more missed payments last 4 months
    NSI3 1 or more missed payments last 7 months
    NSI4 1 or more missed payments last 11 months
    NSI5 1 or more missed payments last 18 months
    NSL1 Contracts from 3 or more different subscribers
    RCU1 Utilization exceeded 85% on at least 1 credit card last 6 months
    WOF1 2 or more contracts with negative statuses more than 2 years ago
    WOF2 1 contract with negative status more than 2 years ago
    WOF3 2 or more contracts with negative statuses last 24 months
    WOF4 1 contract with negative status last 24 months
    XDAT Subject is found in the database but did not have at least 2 MainDebtor or CoDebtor snapshots in the last 12 months
    XNOC Subject is found in the database but did not have any contracts
    XNOF Subject is not found in the database

    Dominican Republic TransUnion (DOM_TU)

    Value Description
    CTN01 Number of months since the most recent delinquency of 30 days or more.
    CTN02 Utilization rate for open accounts updated in the last 12 months (Excludes Mortgage Loans).
    CTN03 Percentage of accounts that have never been past due in the last 48 months.
    CTN04 Percentage of accounts opened in the past 24 months compared to total open accounts.
    CTN05 Number of Credit Inquiry Requests in the last 12 months.
    CTN06 Number of open Telecommunications accounts updated in the last 12 months.
    CTN07 Number of payments in the last 12 months.
    CTN08 Number of months since the most recent over limit event on Credit Cards in the last 12 months.
    CTN09 Number of accounts whose longest delinquency is 30 days in the last 24 months.
    CTN10 Total limit available on open accounts updated in the last 3 months (Excludes Loans / Collections Sector).
    CTCK01 Number of open "on time" accounts that are 12 months or older and have been updated in the last 24 months.
    CTCK02 Number of months from the most recent delinquency of 30 days or more.
    CTCK03 Percentage of open accounts in the last 24 months relative to the total number of open accounts.
    CTCK04 Utilization rate for open Credit Cards that have been updated in the last 12 months.
    CTCK05 Number of months with credit card over limit events in the last 12 months.
    CTCK06 Number of months since the maximum balance in Credit Cards in the last 12 months.
    CTCK07 Largest delinquent balance on Credit Cards in the last 24 months.
    CTCK08 Number of Credit Request inquiries in the last 6 months.
    CCRD01 Number of months since the most recent loan delinquency of 30 days or more.
    CCRD02 Utilization rate for open Credit Cards that have been updated in the last 12 months.
    CCRD03 Number of open "on time" accounts that have been updated in the last 24 months.
    CCRD04 Largest delinquent balance on Credit Cards in the last 6 months.
    CCRD05 Number of months since the most recent delinquency of 60 days or more.
    CCRD06 Percentage of open accounts in the last 24 months relative to the total number of open accounts.
    CCRD07 Number of months with declining balance in the last 12 months (Excludes Mortgage Loans).
    DTN01 Worst loan delinquency status in the last 12 months.
    DTN02 Utilization rate for open accounts updated in the last 12 months (Excludes Mortgage Loans).
    DTN03 Worst credit card delinquency status in the last 12 months.
    DTN04 Number of months since the most recent loan delinquency of 30 days or more.
    DTN05 Number of accounts in the last 24 months whose longest delinquency is 30 days.
    DTN06 Percentage of open "on time" accounts relative to the total number of open accounts.
    DTN07 Number of accounts with declining balance in the last 12 months (Excludes Mortgage Loans and Collections Sector).
    DTCK01 Worst credit card delinquency category in the last 12 months.
    DTCK02 Percentage of open "on time" accounts relative to the total number of open accounts.
    DTCK03 Mean utilization rate of Credit Cards in the last 3 months.
    DTCK04 Worst loan delinquency category in the last 12 months.
    DTCK05 Percentage of accounts opened in the last 24 months relative to the total number of open accounts.
    DTCK06 Number of accounts with declining balance in the last 12 months (Excludes Mortgage Loans and Collections Sector).
    AC01 Months since account most recently registered an adverse status or was in collections.
    AC02 Number of accounts in the last 24 months with greatest delinquency of 30 days.
    AC03 Number of accounts in the Collections Sector with balance greater than 2,500 DOP.
    AC04 Total balance in arrears of accounts currently overdue by 90 days or more.
    AC05 Number of months with declining balance in the last 12 months (Excludes Mortgage Loans).
    AC06 Percentage of open "on time" accounts relative to the total number of open accounts.
    AC07 Utilization rate for open Credit Cards updated in the last 12 months.
    IS01 Number of accounts in the Collections Sector with a balance greater than $0.
    IS02 Worst overdue category for all accounts in the last 48 months.
    IS03 Total sum of debt for all accounts.
    IS04 Total balance in arrears for accounts currently overdue by 90 days or more.
    IS05 Total number of open Credit Cards.
    IS06 Number of Credit Request inquiries.
    IS07 Total number of Loans.
    IS08 Percentage of open "on time" accounts relative to the total number of open accounts.
    IS09 Number of payments in the last 12 months.
    IS10 Total number of open Loans in the last 24 months.
    OTS01 Greatest delinquent balance in the last 24 months (Excludes Mortgage Loans / Collections Sector).
    OTS02 Average balance of open telecommunications accounts updated in the last 12 months.
    OTS03 Worst overdue category in all accounts in the last 48 months.
    OTS04 Number of months with declining balance in the last 12 months (Excludes Mortgage Loans).
    OTS05 Number of open telecommunications accounts updated in the last 24 and currently "on time".
    TNS01 Percentage of "on time" open accounts relative to the total number of open accounts.
    TNS02 Utilization rate for open accounts updated in the last 12 months (Excludes Mortgage Loans).
    TNS03 Mean utilization rate for Credit Cards in the last 12 months.
    TNS04 Number of Credit Request inquiries in the last 12 months.
    TNS05 Number of months with declining balance in the last 12 months (Excludes Mortgage Loans).
    EX01 Deceased.
    EX02 Has no accounts.

    Philippines CRIF (PHL_CRIF)

    Value Description
    Ex01 Already Bad in last 1 month
    Ex02 Already Bad in last 2 months
    Ex03 Already Bad in last 3 months
    ExA The customer is reported as Deceased
    ExB The customer is reported as fraud or mishandled customer
    ExC The customer has more than 50 contracts
    ExD The customer has contracts only as Guarantor
    ExE The customer has opened a contract recently
    ExF The customer is in inquiry phase
    ExG The customer has no updates in the last 9 months
    ExH The customer has no minimum scoring criteria
    ExI The customer has been inactive from last 18 months

    account_type

    Values of the account_type field.

    Value Description
    OVERDRAFT Overdraft tradeline
    MORTGAGE Mortgage-related tradeline
    HOME_EQUITY Any loan where property is used as collateral
    CREDIT_LINE A line of credit
    VEHICLE Any loan or lease for a vehicle
    PERSONAL Any loan for personal use
    STUDENT Any loan for educational purposes
    LEASE_RENTAL Any loan for a rental
    CREDIT_CARD Any credit-card type falls into this category. This can be a secured or unsecured card, retail cards, commercial cards, and more
    CHARGE_CARD Any credit card for use with an account that must be paid in full at the end of each cycle
    RETAIL Any loan used for consumer goods
    ONLINE_RETAIL Any loan used for consumer goods purchased online or by mail order
    FLEX_SPENDING Any pretax salary withholding flexible spending account
    PAYDAY_LOAN Any small, short-term, high-interest, unsecured, fast cash loan
    UTILITY_TELCO_CABLE Any loan to cover utilities. Examples are mobile usage bills, cable bills, electricity bills, and more
    MEDICAL Any loan related to medical services
    INSURANCE_CLAIM Any insurance claim to cover repayment
    MICROFINANCE Any loan to those lacking access to traditional banking services

    portfolio_type

    Values of the portfolio_type field.

    Value Description
    REAL_ESTATE Secured asset loans, typically related to a property, with fixed repayment amounts over a fixed length of time. For example, a mortgage
    INSTALLMENT Loans that are typically repaid with fixed repayment amounts over a fixed timeframe. For example, an auto loan
    REVOLVING Flexible access to a line of credit with repayment amounts determined by the amount of credit used. For example, a credit card
    UNSPECIFIED_LIMIT Accounts with no fixed limit where the payment in full is expected each payment cycle. For example, a utility account
    OTHER

    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
    GUARANTOR The individual is the guarantor

    bank_account_type

    Values of the bank_account_type field.

    Value Description
    CHECKING Checking account
    SAVINGS Savings account
    OTHER

    public_record_type

    Values of the public_record_type field.

    Value Description
    BANKRUPTCY Consumer has filed for bankruptcy
    TAX_LIEN A lien imposed upon a property by law due to delinquent taxes
    JUDGMENT Legal decision associated with severe derogatory financial event

    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

    metric_name

    Values of the metric_name field. To configure the set of metrics provided in your API response or to request additional custom metrics, contact your Nova Representative. This list should be considered non-exhaustive and may be expanded in the future.

    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 Age of Oldest Tradeline (months)
    AGE_TRADELINE_OLDEST_REAL_ESTATE Age of Oldest Real Estate Tradeline (months)
    AGE_TRADELINE_OLDEST_OPEN Age of Oldest Open Tradeline (months)
    AGE_TRADELINE_OLDEST_REVOLVING Age of Oldest Revolving Tradeline (months)
    COUNT_BANKRUPTCIES Bankruptcies
    COUNT_COLLECTIONS Collections
    COUNT_DEROGATORY_MARKS Derogatory Marks (all)
    COUNT_SEVERE_DEROGATORY_MARKS Severe Derogatory Marks
    COUNT_DISPUTES Dispute Records
    COUNT_FORECLOSURES Foreclosures
    COUNT_FRAUDS Fraud Records
    COUNT_GARNISHMENTS Garnishments
    COUNT_NON_SUFFICIENT_FUNDS Nonsufficient Funds
    COUNT_PUBLIC_RECORDS Public Records
    COUNT_TAX_LIENS Tax Liens
    COUNT_TRADELINES Tradelines
    COUNT_TRADELINES_NON_AUTH_USER Tradelines (Not Authorized User)
    COUNT_TRADELINES_CHARGED_OFF Charged Off Tradelines
    COUNT_TRADELINES_CHARGED_OFF_NON_AUTH_USER Charged Off Tradelines (Not Authorized User)
    COUNT_TRADELINES_DELINQUENT_EVER Tradelines Delinquent Ever
    COUNT_TRADELINES_DELINQUENT_CURRENTLY Currently Delinquent Tradelines (1+ Pay Cycle Past Due)
    COUNT_TRADELINES_OPEN Open Tradelines
    COUNT_TRADELINES_OPEN_NON_AUTH_USER Open Tradelines (Not Authorized User)
    COUNT_TRADELINES_OPEN_COLLATERALIZED Open Collateralized Tradelines
    COUNT_TRADELINES_OPEN_COLLATERALIZED_NON_AUTH_USER Open Collateralized Tradelines (Not Authorized User)
    COUNT_TRADELINES_OPEN_INSTALLMENT Open Installment Tradelines
    COUNT_TRADELINES_OPEN_INSTALLMENT_NON_AUTH_USER Open Installment Tradelines (Not Authorized User)
    COUNT_TRADELINES_OPEN_REAL_ESTATE Open Real Estate Tradelines
    COUNT_TRADELINES_OPEN_REAL_ESTATE_NON_AUTH_USER Open Real Estate Tradelines (Not Authorized User)
    COUNT_TRADELINES_OPEN_REVOLVING Open Revolving Tradelines
    COUNT_TRADELINES_OPEN_REVOLVING_NON_AUTH_USER Open Revolving Tradelines (Not Authorized User)
    COUNT_TRADELINES_SATISFACTORY Satisfactory Tradelines
    COUNT_TRADELINES_SATISFACTORY_CURRENTLY Currently Satisfactory Tradelines
    COUNT_TRADELINES_PAST_DUE_CURRENTLY_2_OR_MORE_CYCLES Current Tradelines 2+ Pay Cycles Past Due
    COUNT_TRADELINES_PAST_DUE_1_OR_MORE_PAY_CYCLES_LAST_6_MONTHS Tradelines 1+ Pay Cycles Past Due in Last 6 Months
    COUNT_TRADELINES_PAST_DUE_1_OR_MORE_PAY_CYCLES_LAST_12_MONTHS Tradelines 1+ Pay Cycles Past Due in Last 12 Months
    COUNT_TRADELINES_PAST_DUE_2_OR_MORE_PAY_CYCLES Tradelines 2+ Pay Cycles Past Due
    COUNT_TRADELINES_PAST_DUE_2_OR_MORE_PAY_CYCLES_LAST_6_MONTHS Tradelines 2+ Pay Cycles Past Due in Last 6 Months
    COUNT_TRADELINES_PAST_DUE_2_OR_MORE_PAY_CYCLES_LAST_12_MONTHS Tradelines 2+ Pay Cycles Past Due in Last 12 Months
    COUNT_TRADELINES_PAST_DUE_3_OR_MORE_PAY_CYCLES Tradelines 3+ Pay Cycles Past Due
    COUNT_TRADELINES_PAST_DUE_3_OR_MORE_PAY_CYCLES_LAST_6_MONTHS Tradelines 3+ Pay Cycles Past Due in Last 6 Months
    COUNT_TRADELINES_PAST_DUE_3_OR_MORE_PAY_CYCLES_LAST_12_MONTHS Tradelines 3+ Pay Cycles Past Due in Last 12 Months
    COUNT_TRADELINES_PAST_DUE_CURRENTLY_EXACTLY_1_PAY_CYCLE Current Tradelines Exactly 1 Pay Cycle Last Due
    COUNT_PAYMENTS_PAST_DUE_6_MONTHS_2_OR_MORE_CYCLES Payments 2+ Pay Cycles Past Due in Last 6 Months
    COUNT_PAYMENTS_PAST_DUE_12_MONTHS_2_OR_MORE_CYCLES Payments 2+ Pay Cycles Past Due in Last 12 Months
    COUNT_PAYMENTS_PAST_DUE_12_MONTHS_3_OR_MORE_CYCLES Payments 3+ Pay Cycles Past Due in Last 12 Months
    COUNT_PAYMENTS_ON_TIME On Time Payments
    COUNT_PAYMENTS_LATE_1_CYCLE Payments One Cycle Late
    COUNT_PAYMENTS_LATE_2_CYCLES Payments Two Cycles Late
    COUNT_PAYMENTS_LATE_3_CYCLES Payments Three Cycles Late
    COUNT_PAYMENTS_LATE_4_OR_MORE_CYCLES Payments At Least Four Cycles Late
    COUNT_INQUIRIES Inquiries
    COUNT_INQUIRIES_LAST_7_DAYS Inquiries Last 7 Days
    COUNT_INQUIRIES_LAST_6_MONTHS Inquiries Last 6 Months
    COUNT_INQUIRIES_LAST_12_MONTHS Inquiries Last 12 Months
    RATIO_CREDIT_UTILIZATION Credit Utilization Ratio
    RATIO_CREDIT_UTILIZATION_REVOLVING Revolving Credit Utilization Ratio
    RATIO_EXTERNAL_CALAMITY Open External Calamity Tradelines Ratio
    RATIO_ON_TIME_PAYMENTS On Time Payment Ratio
    TOTAL_DEBT_ALL_OPEN Total Debt Open
    TOTAL_DEBT_HOME_EQUITY_OPEN Total Debt (Home Equity) Open
    TOTAL_DEBT_INSTALLMENT_OPEN Total Debt (Installment) Open
    TOTAL_DEBT_MORTGAGE_OPEN Total Debt (Mortgage) Open
    TOTAL_DEBT_REAL_ESTATE_OPEN Total Debt (Real Estate) Open
    TOTAL_DEBT_REVOLVING_OPEN Total Debt (Revolving) Open
    TOTAL_SCHEDULED_PAYMENT_OBLIGATIONS_ALL_OPEN Total Scheduled Payment Obligations Open
    TOTAL_SCHEDULED_PAYMENT_OBLIGATIONS_HOME_EQUITY_OPEN Total Scheduled Payment Obligations (Home Equity) Open
    TOTAL_SCHEDULED_PAYMENT_OBLIGATIONS_INSTALLMENT_OPEN Total Scheduled Payment Obligations (Installment) Open
    TOTAL_SCHEDULED_PAYMENT_OBLIGATIONS_MORTGAGE_OPEN Total Scheduled Payment Obligations (Mortgage) Open
    TOTAL_SCHEDULED_PAYMENT_OBLIGATIONS_REAL_ESTATE_OPEN Total Scheduled Payment Obligations (Real Estate) Open
    TOTAL_SCHEDULED_PAYMENT_OBLIGATIONS_REVOLVING_OPEN Total Scheduled Payment Obligations (Revolving) Open
    TOTAL_DEBT_ALL_OPEN_CLOSED Total Debt Open and Closed
    TOTAL_DEBT_HOME_EQUITY_OPEN_CLOSED Total Debt (Home Equity) Open and Closed
    TOTAL_DEBT_INSTALLMENT_OPEN_CLOSED Total Debt (Installment) Open and Closed
    TOTAL_DEBT_MORTGAGE_OPEN_CLOSED Total Debt (Mortgage) Open and Closed
    TOTAL_DEBT_REAL_ESTATE_OPEN_CLOSED Total Debt (Real Estate) Open and Closed
    TOTAL_DEBT_REVOLVING_OPEN_CLOSED Total Debt (Revolving) Open and Closed
    TOTAL_SCHEDULED_PAYMENT_OBLIGATIONS_ALL_OPEN_CLOSED Total Scheduled Payment Obligations (All) Open and Closed
    TOTAL_SCHEDULED_PAYMENT_OBLIGATIONS_HOME_EQUITY_OPEN_CLOSED Total Scheduled Payment Obligations (Home Equity) Open and Closed
    TOTAL_SCHEDULED_PAYMENT_OBLIGATIONS_INSTALLMENT_OPEN_CLOSED Total Scheduled Payment Obligations (Installment) Open and Closed
    TOTAL_SCHEDULED_PAYMENT_OBLIGATIONS_MORTGAGE_OPEN_CLOSED Total Scheduled Payment Obligations (Mortgage) Open and Closed
    TOTAL_SCHEDULED_PAYMENT_OBLIGATIONS_REAL_ESTATE_OPEN_CLOSED Total Scheduled Payment Obligations (Real Estate) Open and Closed
    TOTAL_SCHEDULED_PAYMENT_OBLIGATIONS_REVOLVING_OPEN_CLOSED Total Scheduled Payment Obligations (Revolving) Open and Closed
    KOR_NICE_COUNT_OPEN_GUARANTEES [Provided by KOR_NICE] Amount Owing on Open Guarantee Tradelines
    KOR_NICE_TOTAL_OPEN_GUARANTEES [Provided by KOR_NICE] Open Guarantee Tradelines
    KOR_NICE_COUNT_OPEN_LOANS [Provided by KOR_NICE] Amount Owing on Open Installment Loans
    KOR_NICE_TOTAL_OPEN_LOANS [Provided by KOR_NICE] Open Installment Loans
    KOR_NICE_COUNT_CREDIT_CARDS [Provided by KOR_NICE] Amount Owing on Open Credit Card Tradelines
    KOR_NICE_TOTAL_CREDIT_CARDS [Provided by KOR_NICE] Open Credit Card Tradelines
    SERASA_COUNT_PAYMENT_DEROGS [Provided by BRA_XP] Number of delinquent payments, including early delinquencies
    SERASA_VALUE_PAYMENT_DEROGS [Provided by BRA_XP] Value of delinquent payments, including early delinquencies
    SERASA_COUNT_NSFS [Provided by BRA_XP] Count of NSFs
    SERASA_COUNT_INQUIRIES_CURRENT_MONTH [Provided by BRA_XP] Inquiries Current Month
    SERASA_COUNT_INQUIRIES_LAST_THREE_MONTHS [Provided by BRA_XP] Inquiries Previous Three Calendar Months

    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

    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

    metric_label

    Values of the metric_label field. See metric_name

    metric_type

    Values of the metric_type field.

    Value Description
    INTEGER This data is an integer
    CURRENCY This data is a currency
    RATIO This data is a ratio
    AGE_MONTHS This data is an age, calculated in months

    metric_format

    Values of the metric_format field.

    Value Description
    NUMERIC This data is an individual numeric value
    TIMESERIES This data is a series of values over given increments of time
    RANGE This data is a 2-length numeric array of [lowerbound, upperbound] inclusive range

    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

    interval

    Values of the interval field.

    Value
    WEEKLY
    BI_WEEKLY
    SEMI_MONTHLY
    MONTHLY
    BI_MONTHLY
    QUARTERLY
    SEMI_ANNUAL
    ANNUAL

    current_pay_status

    Values of the current_pay_status field.

    Value Description
    CURRENT The account is in good standing with no delinquent payment obligation
    EARLY_DELINQUENT Consumer has failed to satisfy one payment cycle
    DELINQUENT Consumer has failed to satisfy two payment cycles
    DEFAULT Consumer has failed to satisfy three payment cycles
    DEROGATORY Consumer has failed to satisfy at least four payment cycles
    SEVERE_DEROGATORY The account has been flagged with a severe negative event indicated by the presence of the current_pay_substatus field

    current_pay_substatus

    Values of the current_pay_substatus field.

    Value Description
    CHARGE_OFF The account is in default or worse status (3+ payment cycles past due), and the creditor does not anticipate repayment to become current. Loss taken in the books. Synonym to written-off
    BANKRUPTCY The account is included in a bankruptcy proposal
    FORECLOSURE Foreclosure process has been initiated
    SETTLED Lender has accepted a settlement on this account
    REPOSSESSION Property has been reposessed due to consumer failure to pay
    EXTERNAL_COLLECTIONS Account has been placed with a third party collection agency
    GARNISHMENT Court ordered repayment of consumer funds, often wages in order to satisfy a debt obligation

    current_condition_type

    Values of the current_condition_type field. The condition the tradeline is in currently.

    Value Description
    TRANSFER_SOLD The tradeline has been transferred or sold
    EXTERNAL_CALAMITY Unforeseen circumstances such as natural disasters potentially affected repayment
    RESTRUCTURED The account has been financially restructured
    DECEASED Borrower deceased, and tradeline repayment obligations marked as affected
    DEFERRED Account repayment obligations are currently deferred
    FORBEARANCE Agreement by Lender to delay the account repayment obligation
    LOST_STOLEN Card was stolen or lost
    ADJUSTMENT_PENDING Account status is currently under review pending an adjustment
    EXCEPTION The tradeline is marked as an exception when it is an insurance claim or a medical credit; usually out of control of the borrower's actions

    current_condition_status

    Values of the current_condition_status field. Always defined. If active or inactive tradeline.is_open must be true, if any of the other 2 values it must be false.

    Value Description
    ACTIVE The account is open and recent activity has been reported, where recent is usually within the last 90 days
    INACTIVE The account is open and recent inactivity has been reported, where recent is usually within the last 90 days
    CONSUMER_INITIATED The account was closed at the consumer's request
    LENDER_INITIATED The account was closed at the Lender's request

    payment_obligation_frequency

    Values of the payment_obligation_frequency field. Repayment frequency agreed by Issuer and Consumer.

    Value Description
    ANNUAL Every year
    SEMI_ANNUAL Twice a year
    TRI_ANNUAL Three times a year
    QUARTERLY Every quarter
    BI_MONTHLY Every two months
    MONTHLY Every month
    SEMI_MONTHLY Twice a month
    BI_WEEKLY Every two weeks
    WEEKLY Every week
    FIXED_AMOUNT One single reported value
    PERIODICALLY No specific frequency specified

    history_frequency

    Values of the history_frequency field.

    Value Description
    ANNUAL Every year
    QUARTERLY Every quarter
    BI_MONTHLY Every two months
    MONTHLY Every month
    BI_WEEKLY Every two weeks
    WEEKLY Every week
    FIXED_AMOUNT One single reported value

    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@novacredit.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@novacredit.com with additional details so we can investigate

    Sample Response

    {
        "meta": {
            "public_token": "812dfac3-ce5a-4da3-843b-fb8058229bfd",
            "pdf_name": "raj_du_fb8058229bfd.pdf",
            "callback_URL": "https://test.com/fake_route",
            "created_at": "2019-11-01T23:06:44.784Z",
            "country": "IND",
            "country_destination": "USA",
            "company_code": "IND_CHM",
            "consent_version": "1.4.80",
            "api_version": "3.0.0",
            "bureau_report_id": "214abi4fop1a4"
        },
        "product": {
            "product_id": "3fd13cf0-87bf-11e7-93ef-b5eb9a492fa8",
            "name": "Test Credit Card"
        },
        "personal": {
            "full_name": "Raj Du",
            "email": "rajdu@email.com",
            "telephone": "2233334444",
            "date_of_birth": "1989-10-25",
            "is_deceased": false
        },
        "tradelines": [
            {
                "tradeline_id": "fdd510e0-baef-11e9-9225-fb8e31de2360",
                "institution": "RBL BANK",
                "date_opened": "2016-12-14",
                "date_last_reported": "2019-01-11",
                "past_due_balance": 0,
                "history": [
                    {
                        "year": 2019,
                        "payments": [
                            null,
                            null,
                            null,
                            null,
                            null,
                            null,
                            null,
                            null,
                            null,
                            null,
                            null,
                            0
                        ]
                    },
                    {
                        "year": 2018,
                        "payments": [
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0
                        ]
                    },
                    {
                        "year": 2017,
                        "payments": [
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0
                        ]
                    }
                ],
                "responsibility": "INDIVIDUAL",
                "balance": 0,
                "high_balance": 1989,
                "credit_limit": 3535,
                "original_currency": "INR",
                "account_type": "CREDIT_CARD",
                "portfolio_type": "REVOLVING",
                "current_pay_status": "CURRENT",
                "current_condition_status": "ACTIVE",
                "history_frequency": "MONTHLY",
                "is_open": true,
                "is_collateralized": false
            },
            {
                "tradeline_id": "fdd7f710-baef-11e9-9225-fb8e31de2360",
                "institution": "CREDILA",
                "date_opened": "2011-07-28",
                "date_last_reported": "2019-01-02",
                "past_due_balance": 0,
                "history": [
                    {
                        "year": 2017,
                        "payments": [
                            null,
                            null,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0
                        ]
                    },
                    {
                        "year": 2016,
                        "payments": [
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0
                        ]
                    },
                    {
                        "year": 2015,
                        "payments": [
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            null,
                            null,
                            null
                        ]
                    }
                ],
                "responsibility": "JOINT",
                "balance": 0,
                "original_currency": "INR",
                "account_type": "STUDENT",
                "portfolio_type": "INSTALLMENT",
                "scheduled_payment": 319,
                "current_pay_status": "CURRENT",
                "current_condition_status": "INACTIVE",
                "payment_obligation_frequency": "MONTHLY",
                "history_frequency": "MONTHLY",
                "is_open": true,
                "is_collateralized": false,
                "original_loan": 14482
            },
            {
                "tradeline_id": "fdd6be90-baef-11e9-9225-fb8e31de2360",
                "institution": "HDFC LIMITED",
                "date_opened": "2015-08-25",
                "date_last_reported": "2018-12-31",
                "past_due_balance": 0,
                "history": [
                    {
                        "year": 2018,
                        "payments": [
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0
                        ]
                    },
                    {
                        "year": 2017,
                        "payments": [
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0
                        ]
                    },
                    {
                        "year": 2016,
                        "payments": [
                            0,
                            0,
                            0,
                            0,
                            0,
                            null,
                            null,
                            null,
                            null,
                            null,
                            null,
                            null
                        ]
                    }
                ],
                "responsibility": "INDIVIDUAL",
                "balance": 155058,
                "original_currency": "INR",
                "account_type": "MORTGAGE",
                "portfolio_type": "REAL_ESTATE",
                "scheduled_payment": 453,
                "current_pay_status": "CURRENT",
                "current_condition_status": "ACTIVE",
                "payment_obligation_frequency": "MONTHLY",
                "history_frequency": "MONTHLY",
                "is_open": true,
                "is_collateralized": true
            },
            {
                "tradeline_id": "fdd81e21-baef-11e9-9225-fb8e31de2360",
                "institution": "HDFC BANK LTD",
                "date_opened": "2018-09-12",
                "date_last_reported": "2018-12-28",
                "past_due_balance": 0,
                "history": [
                    {
                        "year": 2018,
                        "payments": [
                            0,
                            0,
                            0,
                            0,
                            null,
                            null,
                            null,
                            null,
                            null,
                            null,
                            null,
                            null
                        ]
                    }
                ],
                "responsibility": "INDIVIDUAL",
                "balance": 0,
                "original_currency": "INR",
                "account_type": "OVERDRAFT",
                "portfolio_type": "INSTALLMENT",
                "current_pay_status": "CURRENT",
                "current_condition_status": "ACTIVE",
                "payment_obligation_frequency": "MONTHLY",
                "history_frequency": "MONTHLY",
                "is_open": true,
                "is_collateralized": false,
                "original_loan": 118
            },
            {
                "tradeline_id": "fdd81e20-baef-11e9-9225-fb8e31de2360",
                "institution": "TATA DOCOMO",
                "date_opened": "2016-09-10",
                "date_last_reported": "2018-11-14",
                "past_due_balance": 0,
                "history": [
                    {
                        "year": 2018,
                        "payments": [
                            null,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0
                        ]
                    },
                    {
                        "year": 2017,
                        "payments": [
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0
                        ]
                    },
                    {
                        "year": 2016,
                        "payments": [
                            0,
                            0,
                            0,
                            null,
                            null,
                            null,
                            null,
                            null,
                            null,
                            null,
                            null,
                            null
                        ]
                    }
                ],
                "responsibility": "INDIVIDUAL",
                "balance": 0,
                "high_balance": 62,
                "original_currency": "INR",
                "account_type": "UTILITY_TELCO_CABLE",
                "portfolio_type": "UNSPECIFIED_LIMIT",
                "current_pay_status": "CURRENT",
                "current_condition_status": "ACTIVE",
                "history_frequency": "MONTHLY",
                "is_open": true,
                "is_collateralized": false
            },
            {
                "tradeline_id": "fdd69780-baef-11e9-9225-fb8e31de2360",
                "institution": "KOTAK MAHINDRA PRIME LIMITED",
                "date_opened": "2015-07-26",
                "date_last_reported": "2018-10-01",
                "date_closed": "2018-09-21",
                "past_due_balance": 0,
                "history": [
                    {
                        "year": 2018,
                        "payments": [
                            null,
                            null,
                            null,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0
                        ]
                    },
                    {
                        "year": 2017,
                        "payments": [
                            0,
                            0,
                            1,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0
                        ]
                    },
                    {
                        "year": 2016,
                        "payments": [
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0,
                            0
                        ]
                    }
                ],
                "responsibility": "JOINT",
                "balance": 0,
                "original_currency": "INR",
                "account_type": "VEHICLE",
                "portfolio_type": "INSTALLMENT",
                "scheduled_payment": 255,
                "current_pay_status": "CURRENT",
                "current_condition_status": "CONSUMER_INITIATED",
                "payment_obligation_frequency": "MONTHLY",
                "history_frequency": "MONTHLY",
                "is_open": false,
                "is_collateralized": false,
                "original_loan": 8023
            }
        ],
        "inquiries": [
            {
                "inquiry_id": "fdd8ba60-baef-11e9-9225-fb8e31de2360",
                "inquiry_date": "2018-10-02",
                "company_name": "CANARA BANK",
                "is_credit_seeking": true
            },
            {
                "inquiry_id": "fdd8e170-baef-11e9-9225-fb8e31de2360",
                "inquiry_date": "2018-09-14",
                "company_name": "ICICI BANK LTD",
                "is_credit_seeking": true
            },
            {
                "inquiry_id": "fdd8e171-baef-11e9-9225-fb8e31de2360",
                "inquiry_date": "2016-12-12",
                "company_name": "CITI BANK",
                "is_credit_seeking": true
            },
            {
                "inquiry_id": "fdd90880-baef-11e9-9225-fb8e31de2360",
                "inquiry_date": "2015-08-02",
                "company_name": "HDFC LIMITED",
                "is_credit_seeking": true
            }
        ],
        "bank_accounts": [
            {
                "bank_account_id": "b81a8c70-2c0f-11e9-9850-970c057b105f",
                "bank_account_type": "CHECKING",
                "institution": "BANK",
                "date_last_reported": "2019-05-30",
                "court_name": "ABERDARE",
                "date_opened": "2010-11-11",
                "date_closed": "2019-05-30",
                "responsibility": "INDIVIDUAL",
                "balance": 500,
                "original_currency": "INR",
                "is_overdrawn": true,
                "is_overdraftable": true
            }
        ],
        "public_records": [
            {
                "public_record_id": "b81a8c70-2c0f-11e9-9850-970c057b105f",
                "date_filed": "2019-03-30",
                "date_last_reported": "2019-06-04",
                "court_name": "ABERDARE",
                "public_record_type": "BANKRUPTCY",
                "is_resolved": true,
                "comments": [{ "key": "EX", "value": "Example comment" }]
            }
        ],
        "nonsufficient_funds": [
           {
                "nonsufficient_fund_id": "b81a8c70-2c0f-11e9-9850-970c057b105f",
                "nonsufficient_date": "2016-04-20",
                "comments": [{ "key": "EX", "value": "Example comment" }]
           }
       ],
        "frauds": [
            {
                "fraud_id": "b81a8c70-2c0f-11e9-9850-970c057b105f",
                "date_filed": "2017-02-14",
                "is_fraudster": true,
                "comments": [{ "key": "EX", "value": "Example comment" }],
            }
        ],
        "collections": [
            {
                "collection_id": "b81a8c70-2c0f-11e9-9850-970c057b105f",
                "is_paid": true,
                "date_filed": "2015-01-30",
                "date_last_reported": "2016-02-01",
                "comments": [{ "key": "EX", "value": "Example comment" }]
            }
        ],
        "disputes": [
            {
                "dispute_id": "b81a8c70-2c0f-11e9-9850-970c057b105f",
                "date_reported": "2017-05-20",
                "comments": [{ "key": "EX", "value": "Example comment" }]
            }
        ],
        "notices": [
            {
                "notice_id": "b81a8c70-2c0f-11e9-9850-970c057b105f",
                "notice_type": "BUREAU_COMMENT",
                "date_reported": "2018-11-11",
                "statement": "some statement"
            }
        ],
        "metrics": [
            {
                "metric_name": "AGE_TRADELINE_OLDEST",
                "metric_source": "NOVA",
                "metric_status": "AVAILABLE",
                "metric_value": 99,
                "metric_type": "AGE_MONTHS",
                "metric_label": "Age of Oldest Tradeline (months)",
                "metric_format": "NUMERIC"
            },
            {
                "metric_name": "COUNT_INQUIRIES_LAST_SIX_MONTHS",
                "metric_source": "NOVA",
                "metric_status": "AVAILABLE",
                "metric_value": 0,
                "metric_type": "INTEGER",
                "metric_label": "Inquiries Last 6 Months",
                "metric_format": "NUMERIC"
            },
            {
                "metric_name": "COUNT_TRADELINES_OPEN",
                "metric_source": "NOVA",
                "metric_status": "AVAILABLE",
                "metric_value": 5,
                "metric_type": "INTEGER",
                "metric_label": "Open Tradelines",
                "metric_format": "NUMERIC"
            },
            {
                "metric_name": "COUNT_TRADELINES_PAST_DUE_1_OR_MORE_PAY_CYCLES_LAST_12_MONTHS",
                "metric_source": "NOVA",
                "metric_status": "AVAILABLE",
                "metric_value": 0,
                "metric_type": "INTEGER",
                "metric_label": "Tradelines Past Due 1+ Cycles in the Past 12 Months",
                "metric_format": "NUMERIC"
            },
            {
                "metric_name": "COUNT_TRADELINES_PAST_DUE_3_OR_MORE_PAY_CYCLES",
                "metric_source": "NOVA",
                "metric_status": "AVAILABLE",
                "metric_value": 0,
                "metric_type": "INTEGER",
                "metric_label": "Tradelines Past Due 3+ Cycles",
                "metric_format": "NUMERIC"
            },
            {
                "metric_name": "RATIO_CREDIT_UTILIZATION_REVOLVING",
                "metric_source": "NOVA",
                "metric_status": "AVAILABLE",
                "metric_value": 0,
                "metric_type": "RATIO",
                "metric_label": "Revolving Credit Utilization Ratio",
                "metric_format": "NUMERIC"
            },
            {
                "metric_name": "TOTAL_DEBT_ALL_OPEN",
                "metric_source": "NOVA",
                "metric_status": "AVAILABLE",
                "metric_value": 153108,
                "metric_type": "CURRENCY",
                "metric_label": "Total Debt (All) Open",
                "metric_format": "NUMERIC"
            },
            {
                "metric_name": "TOTAL_SCHEDULED_PAYMENT_OBLIGATIONS_ALL_OPEN",
                "metric_source": "NOVA",
                "metric_status": "AVAILABLE",
                "metric_value": 448,
                "metric_type": "CURRENCY",
                "metric_label": "Total Scheduled Payment Obligations Open",
                "metric_format": "NUMERIC"
            }
        ],
        "addresses": [
            {
                "address_id": "b81a8c70-2c0f-11e9-9850-970c057b105f",
                "address": "2 This Street, SF, CA 9124",
                "street": "2 This Street",
                "neighborhood": "Haight",
                "city": "SF",
                "district": "Haight",
                "zipcode": "94103",
                "state": "CA",
                "date_reported": "2019-07-15"
            }
        ],
        "employers": [
            {
                "employer_id": "b81a8c70-2c0f-11e9-9850-970c057b105f",
                "company_name": "Novae Credito",
                "job_title": "Senior Analyst",
                "annual_salary": 100000,
                "date_reported": "2019-05-16"
            }
        ],
        "scores": [
            {
                "score_type": "FOREIGN_SCORE",
                "value": 472,
                "adverse_action_codes": []
            },
            {
                "score_type": "NOVA_SCORE_BETA",
                "value": 793,
                "risk_indicator": "VERY_LOW_RISK",
                "score_version": "1.3.45-rc.0"
            }
        ],
        "currencies": [
            {
                "currency_id": "90087c80-27d6-11e8-ad40-195727a09945",
                "original": "INR",
                "target": "USD",
                "date": "2018-03-14T00:00:00.000Z",
                "rate": 0.015423,
                "source": "ECB"
            }
        ],
    }
    

    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

    Changelog History

    July 2020

    May 2020

    April 2020

    March 2020

    February 2020

    January 2020

    December 2019

    November 2019

    October 2019

    September 2019

    August 2019

    July 2019

    Changes from v2 to v3