Credit is a humanitarian issue. Here's why. | Twenty percent of Americans are credit invisible, meaning that a credit score cannot be generated for them because they have no credit history. | Report from the Congressional Research Service: https://fas.org/sgp/crs/misc/R45979.pdf | Credit Invisibility: https://files.consumerfinance.gov/f/201505_cfpb_data-point-credit-invisibles.pdf | Learn more at novelhand.com | Novel Hand is where activism meet impact. | Follow us on Instagram: @novel.hand