The Nova Credit (Credit Passport) is a fintech account from Nova Credit (Credit Passport). The annual fee is $0. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Transfers credit history from 20+ countries to US lenders. Partners with Amex, HSBC, and others. Allows newcomers to use foreign credit history for US card approvals. Free for consumers. Works with ITIN holders.