It’s the early 2000s and Ennie Lim is what creditors refer to as credit invisible. Despite touting a bachelors degree from a prestigious university in Montreal and logging several years of work experience in the US working for San Fransisco nonprofits, Lim has no history with any of the US banking institutions and therefore is unable to get approved for any of the major credit cards. Working in Silicon Valley, her funds are understandably tight and once she goes through a divorce – in spite of the fact that she was working a good job with a steady income – she finds herself unable to afford San Francisco rent prices.
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