There are over 45 million adult immigrants in the U.S. and at least 10 million are newcomers, which means they have been in the country for less than five years. More adult immigrants arrive in the U.S. every year than there are native born citizens who turn 18. If current trends continue, more than 80% of the growth in the U.S. population will come from immigrants. Without the ability to leverage credit data in their home countries, newcomers typically need to wait three to five years to build enough credit history to qualify for an unsecured credit card using standard models. Nova C...