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Christie Kim is the CEO and Tomocredit founder.
Kindly with Christie kim
In 2011, Christie Kim thought she lived an American dream. A 22-year-old girl in Berkeley and starting a career in an investment banking in San Francisco, a 22-year-old girl sought to find her first apartment, but her rental applications were dismissed.
“It was a lot of struggle … Because, here I was hardly worked, who worked hard to get a job and make money, and realizing that:” Oh, I don’t have a credit score in the US CNBC do this.
Kim himself immigrated to the US from South Korea at 11 years. Without a family in the country to sign her apartment, she had to show creativity. She turned to the Craigslist where she found the apartment she liked and directly turned to the landlord.
Christie Kim immigrated from South Korea to the US at 11 years.
Kindly with Christie kim
“I mostly smashed it:” Hey, I don’t have a credit score, but believe me, I have a job and I can make you talk to my boss (and) my boss can vouch for me, “who said. Her plan was successful and who provided the first apartment.
Those early struggle against adaptation to the US financial system were delayed with anyone. Today, a 38-year-old guy is co-founded and Tomocredit- Tom CEO for tomorrow-transfer Fintech, based in San Francisco, which helps people, especially with limited credit history, build their loans and improve their personal finances.
Last year, KIM brought more than $ 20 million, according to documents considered CNBC do this.
“Someone had to build it”
The fracture came not with the housing, but with the purchase of its first car. After moving to her apartment, who wanted to take a car loan.
After many deviations of the car dealership, who was to become creative again. So, she went to the local branch of Citibank and asked if the ruler could vouch her, given that the bank had records that show her salary and savings.
I want people, especially immigrants, (to) feel the authority instead of being ashamed because not having a credit account … there was no something I needed ashamed. This is simply because I didn’t know the system.
Christie Kim
Co -founder and CEO, Tomocredit
“I asked for a meeting with the manager … Basically I asked her if you could call a car loan … And then tell them that I (reliable) man … You guys can see how much money I earn,” said who.
“But she said it wasn’t so working. She couldn’t vouch for me … (their) banks department and lending individuals … Therefore, they can’t communicate with each other,” who said. “So, this is my” yeah “moment when I realized that the system is very archaic.”
After all, she had to borrow money from her family in Korea to buy a used car in full. Thanks to this experience, whom she says she has learned that the US credit and banking system is very ineffective.
“It was a lost road for all. Losing for a car dealership because they couldn’t make sale. I lost for me (because) I had to spend so much money. And it wasn’t so great for (the bank) because they couldn’t keep me, their client,” who said.
The Tomocredit team on the exit to play golf.
With the courtesy of Christie Kim.
“That’s why I started Tom with full confidence. (I knew) that there should be millions of Christians who had this bad experience,” she said. “I think someone had to build it.”
As a person who moved to the US on his own, she had no family members to help her navigate the country’s credit system. The result of Asa, she did not know about the importance of having a bank borrowing story to create a loan.
“I want people, especially immigrants (to) feel authorized instead of being ashamed because, without having a credit account … there was no something I needed to be ashamed. That’s just because I didn’t know the system,” said who.
Easy khaki to build your loan
Kim built Tomocredit for Junior J. She shared two key tips on construction confidence For beginners:
- Learn about your credit score as soon as possible.
It offers to learn about how credit scores work and find out what your score It’s as young as possible.
“Not many people even know what a credit score is a definition. (This) is your likelihood to return (loan) in the next 12 months,” said Kim. “Know your account … even in 18 years. You can’t be anything. You may have something if your parents add you to your file. So, know what it is, know what it means.”
- Start with a kid if you don’t have the score.
For people who do not have a credit account, who offers to start a small by borrowing small sums that you know you can easily come back. Whether it is $ 100 or $ 1,000, showing the story you can take on the loan and return it to build your loan, said Kim.
“So start with the little ones and early. I think it’s the best hack,” she said.
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