This immigrant couldn't get an apartment because she was a 'credit ghost.' Today, her $20 million a year startup helps others build their credit

Sep 16, 2025 - 06:00
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This immigrant couldn't get an apartment because she was a 'credit ghost.' Today, her $20 million a year startup helps others build their credit
Korean immigrant Kristy Kim was denied housing as a 'credit ghost' in America. Now, she runs a $20 million a year fintech startup helping others build credit.