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Novera Credit Intelligence

Credit intelligence. Built around the consumer.

Novera connects consumers to their authorized credit information and turns complex multi-bureau data into a clearer, understandable credit intelligence experience.

Consumer-facing product overviewPlatform overview

Three-bureau visibility

With the consumer’s authorization and the applicable data-provider permissions, Novera is designed to present supported information from Equifax, Experian, and TransUnion in one experience.

Consumers can review supported report fields such as accounts, balances, limits, payment history, account status, dates, collections, inquiries, and personal information, subject to provider availability and the terms of the selected service.

Credit monitoring and intelligence

Novera helps consumers understand what changed across their connected reports. Supported monitoring events may include new inquiries, address changes, collections, new accounts, and changes to existing accounts.

The product identifies potential differences or discrepancies and explains what changed. It does not label a bureau difference as illegal or make a legal determination.

Consumer-authorized resolution workspace

Novera organizes documentation and tasks for consumer-authorized credit-resolution workflows. It is designed to help consumers understand their information, prepare questions, and keep a record of steps they choose to take.

Novera does not promise a score increase, guarantee an outcome, or automatically dispute information. Consumers remain in control of the information they share and the actions they take.

Connect my credit information

Authorization language for enrollment flows

By continuing, I authorize Novera and its authorized service providers to obtain and display my credit information from the credit reporting agencies selected during enrollment for the purposes described in the Credit Data Notice and Terms.

I understand that the applicable enrollment and authentication flow may provide additional disclosures, choices, and consent requirements.

Before an enrollment flow is implemented, the production experience should present clear links to the Privacy Policy, Terms, and Credit Data Notice next to the authorization action.

Designed for clarity, not legal conclusions

Novera may surface a Potential discrepancy detected message when supported information differs across sources. That message is an invitation to review and understand the data; it is not a finding that a report is inaccurate, unlawful, or a violation of the Fair Credit Reporting Act.

Novera is a product concept and public-facing overview. Availability, data fields, monitoring events, retention, and provider participation depend on the applicable agreements, permissions, and production implementation.