NOVA PASS : HK Credit Report

Register for NOVA PASS now and access free credit reports, credit scores and advanced credit dashboard.

NOVA PASS offers a self-service solution for consumers to access their personal credit information. NOVA PASS offers free access to credit reports, credit scores and the advanced credit dashboard feature, allowing users to monitor their credit status and detect identity theft to prevent unusual loan applications.

NOVA PASS users can access credit information securely and legally with smartphones.

NOVA strives to foster personal credit education by empowering consumers to navigate their financial landscape through NOVA PASS.

The popular features of NOVA PASS:
【1. Credit Report】
Credit report is a health check report for financial healthiness. A consumer’s creditworthiness can be presented through credit records and credit scores. It serves as a significant reference in various contexts, including mortgage applications, loan applications, credit card applications, job applications, overseas living arrangements, and vehicle or machinery financing.

【2. Credit Score】
Credit score is one of the key reference factors for credit providers’ lending decisions. The higher the credit score, the greater the chances of obtaining credit and securing better interest rates. Credit scores are calculated based on five main categories of credit information from the credit report, including payment history, debt burden, credit mix, new account, and general information/inquiry records.

NOVA credit score is calculated with professional and scientific data analytics techniques. It transforms complex credit information into a simplified score, allowing consumers to easily assess their credit status.

【3. Advanced Credit Dashboard】
The Advanced Credit Dashboard presents credit information and categorizes details, providing users with a simpler way to understand the personal credit status.