“We made a discovery among the international students we surveyed, which was that many said they couldn’t get credit, cell phone plans, leases and anything else that required credit histories,” he said. “Many of them said the same thing to us: ‘I feel like a second-class citizen.’ And that was the light-bulb moment for us. We saw it was a systemic problem, and four years later I believe we’re solving a decent share of this problem.”

https://techcrunch.com/2020/02/12/nova-credit-banks-50m-to-expand-its-service-sourcing-credit-reports-across-borders/