CIBIL Passport Checker

Nova Credit's Credit Passport is a consumer-permissioned product: with your authorization, it pulls your credit history from a supported source country and translates it into a format standardized to what US (and some UK/Canada) underwriters expect, so a lender can make a decision using it the way it would a domestic report. India is named among Nova Credit's supported source countries. This does not create a US credit score by itself — it hands a specific lender your foreign history in a form that lender's own underwriting can read, for that one application.

American Express integrated Nova Credit's Credit Passport in 2019, and Fintech Times reporting on the launch names newcomers from Australia, Canada, India, Mexico and the United Kingdom as able to have their international credit history read for an Amex application decision through it. This is Amex's own application process for its own products — it does not mean every Amex card or every applicant is covered, and it is not a guarantee of approval.

HSBC UK announced a partnership with Nova Credit to let newcomers to the UK use their international credit history — including, per Nova Credit's own supported-country list, an Indian credit history — as part of an HSBC UK application, describing itself as the first UK bank to do so. This is a UK-corridor answer, not a US one: it does not by itself mean the same history helps with a US lender.

SoFi appears alongside American Express, Verizon, HSBC and Yardi/AppFolio in coverage of Nova Credit's partner list, described as using Nova Credit's differentiated data sources and analytics. Which SoFi products specifically accept a Credit Passport report, and whether India-sourced history is included in SoFi's own use of it the same way it is for Amex, was not separately confirmed this session and should be checked against SoFi's own site before a reader is told to expect it there.

Nova Credit's own public materials, as surfaced through this session's searches, name India as a supported source country without naming which licensed Indian credit information company — TransUnion CIBIL, CRIF High Mark, Experian India or Equifax India — supplies the underlying data. Several third-party finance blogs assert 'CIBIL' by name; none of them is Nova Credit, Amex, HSBC or SoFi saying so directly, and this file does not treat a blog's shorthand as confirmation. Readers who search for this tool by the word 'CIBIL' — the generic term most people in India use for their credit report regardless of which bureau actually issued it — should not assume the underlying pull is limited to CIBIL specifically, or excludes it, until a primary Nova Credit source is read.

Credit Passport is described consistently across every source this session found as consumer-permissioned: your foreign credit history is pulled only when you apply with a participating lender and authorize that lender to request it, for that application. It is not a standing service that keeps a US file updated on your behalf, and using it with one partner does not automatically make your history visible to a different lender you have not applied to.