NeedNova, operating in the financial services sector, specializes in facilitating the transfer of international credit histories for individuals relocating to the United States. The company primarily serves newcomers, including students, professionals, and families, who face challenges in accessing credit due to the lack of a U.S. credit history. By leveraging partnerships with global credit bureaus and data providers, NeedNova enables these individuals to transfer their existing credit scores from their home countries to the U.S. market. This service allows clients to apply for credit cards, loans, housing, and even employment opportunities that require credit checks.

The business model is based on providing a seamless and secure platform for credit data transfer, charging fees for its services. Revenue is generated through service fees paid by individuals seeking to transfer their credit histories and through partnerships with financial institutions that benefit from accessing a broader customer base.

Keywords: international credit transfer, U.S. newcomers, credit history, financial services, credit cards, loans, housing, data providers, global credit bureaus, secure platform.