Author: Kai Ngu

Kai Ngu is a writer and MA student at Yale Divinity School. Born in Borneo, Malaysia, they are most recently from New York City where their six-person family resides. As a journalist, they have written for publications such as the Guardian, Vice, Vox and Asian American Writers Workshop. Follow Kai (@kailinngu) and read their writing at

Co-published with The GuardianA FICO score determines your financial future in America. But for new immigrants, getting one can be nearly impossible.

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