Does trading invoices affect my credit rating? Financial related questions Does trading invoices affect my credit rating? Does trading invoices affect my credit rating? Financial related questionsLast updated on September 9, 2019 No. Trading on Novicap does not affect your credit rating. Back to Does trading invoices affect my credit rating? Categories of Frequently Asked Questions GeneralAccess to financingInvoice related questionsCost of financingFinancial related questions Related questions What is the difference between invoice trading and factoring? No. Trading on Novicap does not affect your credit rating.