Credit for a New Life: New Financial Game is a life-changing guide for immigrants navigating the complex world of credit in the United States. Written by Mani Hatami — a fellow immigrant and financial educator — this book offers a clear, compassionate, and practical roadmap to understanding and mastering the American credit system, no matter where you’re starting from. If you’ve ever been denied a phone plan, apartment, or car loan because you “don’t have credit,” this book is for you. Inside, you’ll discover: • How to build credit from zero — even without a Social Security Number • The five key factors that affect your credit score • The safest ways to get your first credit card or loan • Common credit myths (and how to avoid costly mistakes) • Real stories of immigrants who went from invisible to empowered With a friendly tone, simple explanations, and real-world examples, Credit for a New Life transforms credit education into an accessible and inspiring journey. This is not just a book about credit — it’s a book about confidence, stability, and unlocking opportunities in your new life. Whether you’re a recent arrival, a long-time resident with no credit history, or someone recovering from financial mistakes, this guide will help you take control of your financial future — one smart step at a time. You don’t need to be rich. You just need the right knowledge.