Free Credit Report for you！

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.

Promotional offers

1. This offer is only applicable to newly registered users who creates a NOVA PASS account between 26 April 2024 and 31 July 2024, both dates inclusive.
2. The quantity of this offer is limited, first come first served and available while quota lasts. Once the quota is full, regardless of whether or not the above-mentioned promotion period ends, the promotion will end immediately without further notice.
3. Nova Credit Limited (“NOVA”) shall have no liability of whatsoever nature in respect of this offer. NOVA reserves the right to cancel, withdraw, terminate or amend the offer without prior notice.
4. This offer cannot be redeemed or exchanged for cash.
5. This offer cannot be used in conjunction with other promotional offers or discounts (applicable to the same product or service).
6. NOVA reserves the right to amend these terms and conditions without prior notice. In case of any dispute, NOVA’s decision shall be final and conclusive.
7. If you encounter any difficulty during the use of NOVA PASS, please refer to our user guide or contact our customer service centre.
8. In case of any inconsistency between the English and Chinese version of these terms and condition, the English version shall prevail.